A: A title loan in Texas is a loan that someone gets after handing over his or her car title to a lender as collateral. Car title loans are based upon vehicle value, so credit history is not a factor in the approval process. Since credit checks are not involved, the approval process is very quick. Longhorn Lending title loans are a great option for people without good credit and those who need money as soon as possible. Whenever a financial emergency strikes, you can get fast cash via an auto title loan in just a day's time.
A: No! Title loans are based on the current market value of your vehicle, so a credit check is not required. You can be approved regardless of your score - it doesn't even matter if you have nonexistent credit or have recently filed for bankruptcy. Since no credit checks are required, you can collect your funds faster than ever. Most of our Texas customers get their money within as little as 24 hours, because you don't need to wait around for detailed paperwork to be processed.
A: Absolutely! Longhorn Lending would never dream of taking away your car. We know you rely on your vehicle to go about your daily business, so we only need to hold onto the title to secure your loan. You can continue to drive around town while you make payments and your title will be returned once you have paid in full. In other words, you can get the money you need without sacrificing anything - it's a win-win situation.
A: We know time is of the essence, so we have made the application process for Texas car title loans as easy as possible. In fact, there are only three simple steps standing between you and your cash. To start, fill out the online form on this page and review your free quote. Next, a car title loan expert will give you a call to finalize the details and help you set up a flexible repayment plan. Lastly, you can pick up your cash from a convenient lender near you. That's all there is to it!
A: Longhorn Lending realizes not everyone's situation is the same, so we give you flexibility when it comes to your payment plan. A majority of our lenders allow you to take as long as 42 months to pay off the loan, so you should have plenty of time to get your finances under control. If you happen to come into some money beforehand, you can pay off your Texas title loan ahead of schedule without being penalized. We never charge prepayment penalties, so you can pay at a pace that is comfortable for you.
A: We have hundreds of locations throughout Texas, so you can easily pick up your title loan cash when the time comes. You may be pleasantly surprised to learn that a store is located just around the corner from your home or workplace. One of our customer service representatives will be happy to direct you toward the branch closest to you. On the off chance that a brick and mortar store is not within your immediate area, we can make alternative arrangements. Either way, you will get your cash in only a matter of hours.
A: We offer some of the lowest interest rates in the industry. How do we keep our rates at manageable levels? Your car title secures the loan, so there is no need to charge outrageous rates. The lender knows you will pay in a timely manner in order to get your title back, so there is already a security measure in place. As a result, you are offered an interest rate that aligns with your budget.
A: For your convenience, we have assembled a top-notch group of Texas title loan professionals. Our team members know the ins and outs of the title loan industry and will be happy to help in any way possible. Feel free to get in touch whenever is best for you, because we operate at all hours of the day or night - someone is available to assist you whether it's morning, noon, or night. Plus, many of our experts have personally relied on a car title loan at some point in their life, so they can relate to your situation on an intimate level.