What is the Interest Rates on Title Loans?

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To put simply, interest rates are the percentage of principal charged by the lender for the use of their money. But how are interest rates calculated into title loans? Max Cash Title Loans will take it step-by-step.

 APR (annual percentage rates) is the interest rate based on a yearly total. For example, if you had a 29% interest rate and you borrowed $5,000, then your yearly interest would be $1,450 ($5,000 x 29%).

Now for the real kicker: Companies that offer auto title loans typically have high interest rates on them. They can go from 29% (lowest we have seen) to 200-300%. Average is about 87% to 97% APR. Because of this, interest rates for this can look freaky high to a consumer, so most auto title loan companies break that number down to an MPR (monthly percentage rates).

To understand how interest rates are applied on an auto title loan, we must look at how the MPR is applied. Not all months have the same amount of days in it. One has 28 days while others 31 days. If interest rates are monthly, then you would need to do this math:

Let’s say you have a $5000 loan at 8% MPR. The month we will use is February, which has 28 days. If you had a loan balance of $5000 then each day in interest for February is approximately $13-14 a day.  In a year, that would equal $4745 in interest.

Now let’s say you had the loan out for 2 weeks. That would be $189 to borrow $5000 and that’s not so bad at all for getting money, sometimes in hours1.

Max Cash Title Loans: We Look for the Best Interest Rates on Title Loans!

At Max Cash Title Loans, experience counts, especially when it comes to the best interest rates on an auto title loan. From refinancing a car title loan for better payments or interest rates, or getting a new car title loan, we are here as your one-stop shop1!

Max Cash Title Loans is open 7 days a week. We open very early and stay way past normal late hours. We know that you may need to get help at any time and you need answers right away. Sometimes our phones are busy, and you may be on hold for a few minutes while other times we pick up the phone in seconds. We don’t rush our calls or cherry pick. You tell us your needs and we use our power and information to tell you if it is possible to get a loan and what you need even when the lenders themselves are closed.

Here at Max Cash Title Loans, we created our business around you to give you a better option for your auto title loan needs. We have re-defined the lending process and made it much easier for you to get your loan5. We take the guess work out of who a quality auto title loan lender is and know that interest rates really do make a difference.

We have simplified the process of getting a title loan nationwide. We have done the research and hard work for you and have found the better lenders with great title loan deals. Use our network and let us prove to you that getting a title loan through Max Cash Title Loans is the better option1!