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When our team of stellar specialists talks to borrowers, many of the same questions come up. That’s why we’ve compiled many of the questions we’ve received on this page. You can get answers without even asking a question! Of course, this FAQ isn’t exhaustive by any means, so be sure to ask us any question that is in your mind during a free, 1 on 1 phone consultation with a specialist.
What do I need to get a loan?
In order to fill out the estimate form, you’ll need to know the make, model, style, year, and mileage of your vehicle. You’ll also need a car title to use as collateral, a state ID (like a driver’s license), and proof of employment.
Am I ineligible for a loan if I have bad credit or no credit?
Absolutely not. We aren’t judgmental folks, and our process is actually designed to be perfect for borrowers with bad credit or no credit. Estimates don’t require a credit check. Plus, getting a loan won’t negatively impact your score if you make on-time payments. We’ve even seen cases where borrowers’credit scores increase because they’re developed smart repayment habits.
What safeguards are there in place?
Without a doubt, we care a lot about safety. In the end, we truly prioritize taking care of the borrowers and lenders that we work with. We do this by being open and honest 100% of the time. For borrowers, we guarantee flexible, individualized payment plans, low interest rates, and no hidden fees.
What happens to my car?
When a title is used as collateral, it doesn’t mean that a car has to be put in, as well. A loan is set with a car title as collateral, which makes everyday driving with the same car possible during the repayment process.
Can I borrow more money than my estimate is for?
Yes, you can borrow more money. However, it will involve combining one or more other loan options. Frequently, personal loans are combined with collateral-based loans for an extra bit of cash, though there are also small business loans and refinancing loans available.
Who are the lenders?
First things first: our service doesn’t operate as a lender. Instead, our model involves connecting borrowers with lenders. We listen closely to the needs of borrowers to ensure that they’re matched up with an appropriate plan from a trusted lender. Our relationships with lenders are very established, and everyone is committed to providing a fantastic, transparent, and fast service.
Where can I pick up my cash?
We serve the entire Corpus Christi area for title loans. Corpus Christi lenders are located in the city proper as well as in suburbs, such as Aransas Pass and Mathis.
How much does your service cost?
It doesn’t cost a single cent! Payment plans and interest rates become a commitment only when a contract is signed.