How Long do I Have to Pay Back a Title Loan?

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When taking out a title loan, you may be wondering how long you will have to back the loan. In general, most lenders will give borrowers a few months to pay back an auto title loan. However, that might not always work best for everyone. That’s why when you work with Max Cash Title Loans, we take your preferences into consideration when we find you the best loan.1 5 Pick between longer repayment terms that fit with your finances, or shorter terms if that’s what you are looking for.4

Below is more information on title loan repayment, Max Cash Title Loans, and the lenders that we work with. 

Title loan, Auto Equity Loan

How Will I Have to Pay Back a Title Loan?

In most scenarios, you can repay your title through direct payments from your bank account, make a payment over the phone, or make a payment online. 

What Will it Look Like to Pay Back a Title Loan? 

Auto title loans are a type of installment loan, which means that you will pay it back over time. When compared to other subprime loans, such as payday loans, title loans can be much more flexible. Typically, title loan repayment will be due once a month until the loan is paid back in full. You can expect title loan payments to encompass the interest rates, the principal (the original loan amount taken out), and any additional fees that may come with the loan.3 

What if I Cannot Pay Back a Title Loan in the Time Given? 

If you cannot pay for a car title loan, the first thing you should do is let your lender know. In most cases, if it a one-time thing, then you may be able to continue the loan terms of repayment, with a late fee.3 4

If you default on the car title loan, repossession of the vehicle can happen. However, this is the last resort for most lenders. 

Keep in mind that some late payment may be reported to one of the major credit bureaus, this is especially true if the loan is defaulted.

What Are Some Pros and Cons of Certain Repayment Terms? 

Unsure about what repayment terms will work for you? Longer loans can make payments more manageable, however, they can mean paying a higher annual percentage rate (APR) over time. While shorter loans, although the monthly payments may be larger, the overall interest amounts may be less than with a longer loan. 

No matter what kind of repayment terms work best for you, it is important to keep your budget in mind. 

Why Work with Max Cash Title Loans? 

Here are some of the benefits of working with Max Cash Title Loans and the lenders that we work with:

Convenient and Easy Funding Once Approved!1 2

Once approved with the loan companies that we work with, Inquiring is simple, and once approved the funds could be made available as soon as the same business day!1 2

Low and Manageable Monthly Payments4

Also, the lenders that we work with come with low and manageable payments.4 

No Hidden Fees3

When repaying with the lenders that we work with, there are no hidden fees or additional charges.3 Transparency and honesty are maintained throughout the loan period. At the end of the life of the loan, there won’t be a large payment to worry about either.3

Keep and Drive Your Vehicle with Title Loans 

Another advantage is that borrowers repaying their title loan can keep and drive their vehicles. 

Get cash fast with an auto title loan! car title loan, fast cash

Comfortable Repayment, With Flexibility4

Most loans usually give deadlines that range from a few months to one year, but out lenders could offer borrowers more time to pay off the total amount of the loan!2 4 Or pay it off early without any fees. 3

Get Funded with a Low Credit Score, Bad Credit History or No Credit1 2

If you do not have good credit right now, you might still be able to qualify for the funding you need in!1 2 This is a huge difference when compared to personal loans, credit cards/ credit card cash advances, or other traditional bank loans. 

Complete Transparency3

When working with Max Cash Title Loans, and the lenders we work with you only get full honesty and transparency with no hidden fees, finance charges, or prepayment penalties, or balloon payments involved in the process at all!

Competitive Interest Rates4

Worried about high-interest loans? the title pawn lenders that we work with offer competitive rates in the title loan industry.4

Refinance an Existing Loan for a New Loan4

If you already have a loan and are looking for better terms, then we may be able to help you with refinancing. Even an existing lien on a vehicle title may be acceptable for refinancing!

A Simple Loan Application 

The entire title loan process is simple, and only takes about 3 steps. 

Apply for a Title Loan Right Away! 

Our mission at Max Cash Title Loans is to help people find quick cash when they need it most, through our network of online lenders.5 Whether this is your first time going through the title loan process, or you’ve gone through the process before, our team of loan specialists are available to help you seven days a week! Apply for a title loan today!