Consequences of Non-Payment of a Title Loan

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Sometimes the absolute worst of the worst can happen when you are trying to get back on your feet. If you are currently in the process of repaying a car title loan and something happens that leaves you unable to keep paying, you might start to wonder about what kind of consequences you may be facing as a result. To help you out, Max Cash Title Loans is here to guide you through the consequences of non-payment, and what you could do in order to avoid having to face them.

Consequences of Non-Payment of a Title Loan

The absolute final consequence of non-payment on a car title loan is repossession. However, most car title loan lenders would prefer to avoid this last resort for a variety of reasons. For one thing, it is expensive, time consuming, and a hassle for them to go and repossess a car whose title they have a lien on. The car title loan lender could lose money even if they manage to sell the car because they might not make all of their money back at the auction.

If you feel that you are close to finding yourself in a similar situation, it is best that you get a hold of your lender as soon as possible and be honest with them. Peace of mind might be easier to achieve than you originally thought! That said, lenders are often willing to work with borrowers to come to some kind of arrangement that will benefit both you and them. They would rather help you avoid defaulting on a loan and having your car repossessed.

Avoiding Non-Payment

It is best to avoid defaulting on your loan, if you can manage it. Your car title loan lender would prefer you pay something, even if you cannot afford the full monthly payment. Fortunately, there are a number of things you could do to relieve your worries and stress if you cannot pay your car title loan. Such funding options include, though are not limited to:

  • Acquiring a temporary part-time job.
  • Making use of your car by becoming a ride share driver (e.g. Uber, Lyft).
  • Selling any items you do not need either out of your garage or front yard, to a close friend or family member, or through an online selling platform such as Craigslist, eBay, Amazon, Facebook Marketplace, etc.
  • Finding a way to set up a small home-based business that you are able to cheaply and efficiently operate on your own or with very minimal outside help.

If none of the aforementioned options seem viable to you, another path you could take is seeing if you could refinance the loan you are currently trying to repay. By getting your car title loan refinanced, you may be able to get set up with a lower monthly payment, a lower interest rate, or more time to repay. Refinancing a car title loan is a good option for those who are working with an unreliable car title loan company that is unwilling to work with them to come to any sort of deal.

Contact Max Cash Title Loans Today

If you have any questions pertaining to car title loans, if you are currently paying one or are interested in obtaining one, you may get in contact with Max Cash Title Loans by:

Writing to us at 1270 E. Broadway Rd. Suite 208, Tempe, Arizona 85282