Title Loans in Rochester

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Need fast cash in Rochester, Minnesota, but not sure where to begin? Start with title loans in Rochester!  Title loans are a type of secured lending that work by using title loan as collateral. Many people turn to title loans because they make the loan process simple, fast, and flexible. 

When looking for a title loan lender in Rochester, start with Max Cash Title Loans, the #1 nationwide online title loan marketplace. Keep reading for more information on title loans in Rochester or apply for a car title loan right away

More on How Title Loans Work

As mentioned above title loans are a type of secured loan which works with the borrower’s vehicle. And so, when the loan is taken out, the lender will add a lien to the car’s title. And when the loan is repaid the lender will remove themselves from the car’s title.  

Do I Get to Keep My Car with Car Title Loans in Rochester? 

Yes, you can keep your vehicle in most scenarios with car title loans in Rochester. Keep in mind that the lender owns the vehicle until complete repayment. 

Can I Get Approved with Bad Credit?

You do not need a good credit score or positive credit history for a title loan. One of the main reasons that title loans come with flexible eligibility, is because title loans are secured with a vehicle. There will be a credit check to determine whether an applicant is in active bankruptcy through the credit report

Instead of focusing on credit score, or credit history, title loans lenders will look at income and the value of your car to determine eligibility. 

How Much Could I Get with an Auto Title Loan in Rochester? 

Title loan amount will be based on the value of your vehicle and income. Because every lender is a little different, you may get slightly different amounts from different lenders. 

And so, it may be a good idea to get estimates for money with several lenders. 

What Do I Need for a Title Loan in Rochester, Minnesota? 

Because title loans are a type of secured lending—meaning they involve an asset—there are a few specifics that you’ll need for eligibility.

Unlike unsecured personal loans or other installment loans, requirements are less rigid and complicated— basic for title loans in Rochester include:

  • Having a vehicle that you own 
  • Ongoing, steady income 
  • Be able to prove your ability to repay the title loan. 

In some cases, lenders may be able to work with you even if you have an existing loan on your vehicle. So even if you already have a loan you are repaying, it may be worth applying to get better terms and/or extra funds.

What Documents Do I Need When Applying? 

When applying for a title loan there will be a few required documents:

  • A State-Issued Photo ID (Driver’s license, passport, etc.) 
  • Proof of income 
  • Proof of Residency 
  • 3 References 
  • Proof of Insurance 
  • The Vehicle Title 

Why Choose Title Loans in Rochester over Payday Loans 

When researching title loans, you may also come across payday loans. Although payday loans can work for some people, they may not work for everyone. Payday loans can be extremely short, range from $50-$500, and you may need to have a bank account. 

Unlike payday loans, car title loans can range from a few hundred up to thousands of dollars. You could get a short-term loan, or a longer loan, and you don’t need a bank account or be a part of a credit union. 

Why Work with Max Cash Title Loans in Rochester, Minnesota? 

When looking to get a title loan in Rochester, there are many reasons to start with the loan specialists at Max Cash Title Loans help people connect with online title loan companies across the country. Here are some benefits that could come with when working with us: 

  • Low Monthly Payments — the monthly payments for the title loans that we service are kept low from beginning to end. 4
  • Highly Competitive Interest Rates — the interest rates for title loans are highly competitive, which could mean huge savings. 4
  • No Hidden Fees —There are never any hidden fees with title loans we service. 3
  • No Pre-Payment Penalties— There are never any early payment penalties with title loans in Rochester. 3
  • Flexibility with Repayment — with the lenders that we work with can offer a range of repayment terms. From a few months up to a few years. 4
  • Transparent Loan Terms — the loan terms are transparent from beginning to end. 
  • Get Fast Cash Once Approved — once approved for a title loan, the funds can be made available in as little as 24 hours. 1 2 The funds can be sent to a bank account, sent via a check via the mail, or picked up at a local MoneyGram.
  • A Completely Online Application Form and Online Process — applying, and the rest of the process can be done completely from the comfort of home. 

The Process with Max Cash Title Loans

The title loan process with Max Cash Title Loans is quick, convenient, and easy! A process of just 3 easy steps:

1.    Apply for the Loan – To get the ball rolling, you can either make a phone call to talk to a customer service rep or go online and fill out the short, easy inquiry form. You will know almost right away if you are pre-approved. From there, a loan rep will get in contact with you.

2.   Send in Documents – After that, you will have to send over some key documents. 

3. Find our Eligibility — you will then find out approval with a direct lender.

4. Get Funds Once Approved— once approved for a title loan, the funds can be made available! 

Apply Right Away!

Ready to get started with title loans? Simply head online and apply for an online title loan or give us a call at (855) 561-5626 . Once approved you could get the funds in as little as one business day. Get started with online car title loans in Rochester right away! 

Disclaimer: Max Cash Title Loans services this area but this map does not represent an actual location