What if I Can’t Afford my Title Loan?

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Car title loans have often been a way to get money quickly for many people in need of sudden financial relief. They offer fast funding and speedy approval, regardless of poor credit. However, just like with any other loans or lines of credit, they can get out of hand without proper budgeting and lack of communication with the lender. And if you are starting to get concerned that you can’t afford your title loan, that can feel very overwhelming!

Max Cash® Title Loans wants to remind you that you always have options and things are never as bad as they might seem. There are always solutions available when you feel like your title loan has become something you can’t afford anymore.

Paying Off your Car Title Loan

Car title loans are meant to be paid back in monthly installments that are predetermined and regularly scheduled. The size of those monthly payments is determined by the length of your terms as well as the interest rates you are charged by the lender.

If you aren’t careful or don’t have someone on your side when obtaining your title loan, you can end up with terms and rates that don’t work for you and end up being unaffordable just a few months in. Having a title loan you can’t afford puts you in a sticky situation as the title of ownership for your vehicle is at stake.

If you find yourself in this position, it might be the right time to consider refinancing your title loan. This time you have the power to refinance with the help of a company like Max Cash Title Loans which puts a priority on finding what works best for you so you succeed!

Refinancing your Title Loan for More Affordable Terms

If you are stuck with a title loan that you can’t afford, it is likely a good idea to look into refinancing options.

Whether it’s because of extremely high-interest rates on your current loan or terms with too high payments, you likely have options that could make paying down your title loan far more feasible. 

Borrowers who are unhappy with their current lender have the possibility of getting a refinanced title loan that could get them:

  • A better annual percentage rate (APR)
  • More affordable monthly payments
  • Loan terms that better fit their needs
  • Additional funding to what their original loan offered

Max Cash Title Loans works on behalf of the customer to match you with only the best lenders in the industry so that you can refinance your title loan in a way that works for you. With the help of Max Cash Title Loans, you can get more reasonable terms, some of the most competitive interest rates, and customize your payment plan!

See if You Qualify for a Refinanced Title Loan

When you choose Max Cash Title Loans, we do a lot of the work on your behalf so seeing if you qualify for a refinanced title loan is a simple process. Here is all you have to do:

First Step – Fill In your Information

To see whether Max Cash Title Loans can help you refinance your title loan, fill out the short online inquiry form located on our website. 

It should only take you a few short minutes to fill out. The form asks for some basic information like:

  • Your name
  • Date of birth
  • Current income
  • A few details about your car

Generally, these details include the make, year, model, mileage, and current condition of your car. 

Once you send in your information, a Max Cash Title Loans representative will reach out to give you a free estimate.

Second Step – Send Us your Documents

After you are connected with a licensed lender, they will ask you for a few documents. These documents are standard for any kind of loan approval. 

The documentation you may be asked for might include:

  • A Government Issued Photo Identification – like a driver’s license or passport.
  • Proof of Address – like a gas or electricity bill. 
  • Proof of Income – like a bank statement or paystub.
  • Qualifying Title of your Vehicle – with your name on it.
  • Pictures of your Car – from various angles to confirm the information provided.
  • References – personal and/or professional.

If there is a need for further documentation, your lender will reach out to you!

Third Step – Get Approved for Your Refinanced Loan

Once the lender receives all your necessary documents, they can determine and notify you of approval. You will be able to view the contract for your new refinanced title loan before you agree to the terms.

Be sure to read through your contract carefully. Do not sign it until you are sure you are content with your loan’s terms and payment plan. Never hesitate to let your lender knows of issues in your contract that you want fixed before signing!

If you have been approved for additional funding then you can choose the most convenient way to receive those funds. Choose between a wire transfer, direct deposit, or by picking it up at a local MoneyGram.

Max Cash Title Loans Prioritizes the Customer

Choosing Max Cash Title Loans to help you with a title loan refinance when you can’t afford your title loan is a smart move. Max Cash Title Loans is always on your side to help you get a title loan that works for your needs! This can help you can succeed in paying it off on time.

Max Cash Title Loans always puts the customer first. We do that by always trying to offer the widest array of benefits with our services:

  • Competitive Interest Rates4: We work hard to find lenders with some of the most competitive rates in the industry to make your loan easier to afford.
  • No Pre-Payment Penalties3: You won’t be charged a fee for making a payment before the due date!
  • Convenient Terms4: Customize your payment plan with the lender so it fits your needs and budget.
  • Top-Notch Customer Service – Max Cash Title Loans provides knowledgeable and friendly service with qualified agents available seven days a week!

So, if you are stuck, feeling like you can’t afford your current title loan, then reach out to Max Cash Title Loans today to get your title loan refinanced. See if you qualify today and be on your way to more affordable terms and rates in no time!