Title loans are a unique loan product that comes with specific requirements for borrowers. Customers need to bring basic loan application items like contact information and government ID, but they also need to bring in items related to their vehicle.
The following items, along with your vehicle, will need to be brought into a Check City store for a quick vehicle inspection before the loan application is complete.
Check City lets our customers use all kinds of titles for their title loans. Check City Title Loans give customers lots of options for what titles they can use to get a loan.
You can use the title for cars, motorcycles, ATVs, UTVs, toy haulers, RVs, campers, snowmobiles, boats, and trailers. In general, so long as the title is free and clear we can use it to help you get the loan you need.
Secure loans can help customers get better rates because they are backing up their loan with collateral.
Title loans are a type of secure loan because they back the loan funds up with your vehicle title as collateral. This makes the loan more secure and often grants customers easier access to the funds they need.
Check City doesn't want your car. Check City wants to help you get the funds you need, when you need them, in the securest and quickest form possible.
When you apply for a Check City Title Loan you give Check City a lien on your vehicle. This lien will stay on the vehicle title during the entire duration of the loan, but that's it!
Check City doesn't keep your vehicle during the life of the loan, Check City only uses a lien on your vehicle's title so you can keep driving your car.
Check City makes applying for a loan remarkably easy by allowing customers to start their title loan applications online.
Start your title loan application online today and then visit a Check City store at your convenience to complete the application and get the money you need.
A typical title loan comes with a 30-day term. It's generally a smaller loan option with a smaller term so you can get the funds you need quickly, pay the loan off, and be done with the loan quickly too.
Alongside this traditional title loan option, Check City offers even more options and loan flexibility. If you need a larger title loan amount or a longer repayment plan, ask about the Installment Title Loan.
A title loan is also known as a pink-slip loan, a title pledge, or a title pawn. It is a secure, short-term loan that you receive after giving a lender a lien on your car.
This means that you offer the title of your car as collateral in case you fail to repay the loan. Once you have paid off the loan the lien is removed and your vehicle title is returned to you.
Normally, a title loan is a small, short-term loan that is paid and repaid in one lump sum.
For customers who need a larger title loan or a longer repayment plan, Check City offers the Installment Title Loan. This loan option also uses the title of your car to qualify for the loan, but the repayment plan works in installments, allowing you to repay your loan over time.
When you want to take out a title loan you'll first need to visit a Check City store with your car and the car's title.
A Check City representative will then inspect your car and determine its value. This will help determine how much you are able to receive for your title loan.
After the in-store application is complete, if approved, Check City will take out a lien on your car's title and you'll get your funds.
A lien is a claim a lender is given over an asset or property, in case the loan or debt is not repaid.
A lien allows a lender to become a temporary co-owner of the property or asset during the loan term and allows them the right to claim full ownership of the vehicle should the loan not be repaid.
By taking out a title loan with Check City, consumers will be granting Check City a lien on their vehicle. Please contact a Check City Location in your area for additional information.
Title loan rates and fees are different depending on the state you're in. For your state's title loan rates and fees visit our Rates and Fees Page.
How much a customer can borrow for a title loan is based on the state you're in. Please visit our Check City Rates and Fees Page for your state's specific title loan terms.
Loan terms depend on the state you are in. For your state's available title loan terms, visit your state's Rates and Fees Page.
We do not want your vehicle, we want to make sure that you keep your car and have the ability to repay the loan. We do reserve the right to repossess the car in extreme cases of non payment on your loan.
You need to be at least 18 years old or older in order to take out a title loan.
The title needs to be in the applicant’s name. The vehicle title should also be clear and free of any liens. If there is more than one person on the title then both people need to be present to apply for the loan.
Refinancing is available for customers who qualify. After your first successful loan payment, you can refinance your loan anytime to access credit that is still available to you.
Yes, customers have the option to make early payments. Customers can pay off the loan amount faster by paying early.
Yes, customers have the option to make larger payments in order to pay the loan off quicker. For payments that are larger than the scheduled amount due, the extra payment will be applied toward the principal loan amount.
Yes, customers have the option to make partial payments. Partial payments are first applied to the finance charge and then the principal loan amount.
The due date will not be extended unless the entire finance charge and the entire principal amount have been paid. A partial payment can be accepted whether the customer is on time or late.
If a customer misses a payment or is late making a payment then Check City will work with the borrower to help them get back on track. Our friendly loan agents are eager to help our customers whenever they can.
Check City may attempt to contact you using one or more authorized contact methods to arrange for payment. Authorized contact methods may include phone calls, emails, or text messages.
Check City may charge you a fee pursuant to the terms of your loan agreement for late or failed payments. Please see your loan agreement for terms and conditions.