Title Loans in Cardiff, Alabama

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No title loan companies in Cardiff, AL. Consider companies in other cities:

Company nameAddressZip codePhone number
Title Cash 1507 Martin St S 4, Pell City, AL 35128 +1 (205) 338 - 3780
EasyMoney 13571 St Stephens Ave, Chatom, AL 36518 +1 (251) 847 - 6339
Alabama Title Loans, Inc. 758 W Main St, Dothan, AL 36301 +1 (334) 677 - 2272
Covington Credit 786 Commerce Dr, Alexander City, AL 35010
Advance America 504 Western Bypass, Andalusia, AL 36420 +1 (334) 427 - 1418
Tower Loan 1014 Rucker Blvd d, Enterprise, AL 36330 +1 (334) 347 - 3150
Easy Money 2869 Montgomery Hwy, Dothan, AL 36303
First Community Bank 30122 AL-17, Millry, AL 36558 +1 (251) 846 - 2921
Covington Credit 817 Hwy 78 W, Jasper, AL 35501 +1 (205) 387 - 1212
BB&T 1500 Gulf Shores Pkwy, Gulf Shores, AL 36542 +1 (251) 968 - 6893

Title Loan Companies in Nearby Cities

If there are no title loan companies in Cardiff, AL, you can try to find different companies in big cities nearby. Check out the following pages here: Title Loans in Gadsden, AL, Title Loans in Homewood, AL, Title Loans in Hoover, AL, Car Title Loans in Huntsville, AL, Car Title Loans in Jasper, AL, Car Title Loans in Madison, AL, Title Loans in Mobile, AL and Title Loans in Montgomery, AL. But also, you can apply for a loan online, not coming out of your home. Just fill out a simple application on our website and we will connect you with trusted direct lenders in Cardiff, AL.

Title Loans in Cardiff, Alabama – Everything You Need to Know

If you are in urgent need of cash and have no other option to secure financial assistance, title loans can be a viable solution. They are legal and popular in Alabama, including Cardiff. Title loans are short-term, secured loans backed by your vehicle’s title. You can use your car, truck, or motorcycle title as collateral in exchange for the loan.

The Basics of Title Loans

Before you consider applying for a title loan, it’s essential to know how they work and the requirements involved. Here are some of the basics:

  • To qualify for a title loan in Cardiff, you must be 18 years of age or older.
  • You own a vehicle with a clear title.
  • Your vehicle has no existing liens against it.

When you apply for a title loan, the lender will perform an evaluation of your vehicle to determine the loan amount you qualify for. The loan amount is usually a percentage of your vehicle’s market value and ranges from $500 to $10,000. The lender will also consider your income, ability to repay the loan, and credit history, if any.

After the lender approves your loan application, you will sign a contract agreeing to the terms and conditions, including the interest rate and repayment schedule. You will also provide your vehicle’s title to the lender as collateral. Once you repay the title loan in full, the lender will return your vehicle’s title.

The Pros and Cons of Title Loans

Like any other type of loan, title loans come with their own set of advantages and disadvantages. Here are some of the pros and cons to consider before applying for one:

Pros:

  • You can secure quick cash when you’re in a bind, often within a few hours.
  • You can still use your vehicle while repaying the loan.
  • You don’t need a good credit score to qualify for a title loan.

Cons:

  • The interest rates on title loans are typically high, making them an expensive option.
  • If you default on the loan, the lender can repossess your vehicle and sell it to recover the amount you owe.
  • Title loans can trap you in a cycle of debt, making it difficult to pay off the loan and meet your other financial obligations.

Interesting Facts and Statistics About Title Loans in Cardiff, Alabama

Here are some verified facts and statistics about title loans in Cardiff, Alabama:

  • Alabama has some of the highest title loan interest rates in the country, with rates averaging around 300% APR.
  • In 2019, Alabama title loan companies provided over 1.3 million loans with a total amount of $601 million.
  • The average title loan in Alabama was for $979 and had a term of two months.

Apply Now for a Title Loan in Cardiff, Alabama

If you need cash and have no other options, a title loan can be a viable solution. At TheGuaranteedLoans, we specialize in connecting borrowers with potential lenders who offer title loans in Cardiff, Alabama. Fill out our online application today to get started and receive up to $10,000 in your account as soon as the next business day.

Remember, TheGuaranteedLoans is a connection service and not a direct lender. We only facilitate the connection between you and potential lenders, but we don’t make lending decisions or control lending criteria. Always read and understand the terms and conditions of your loan agreement before signing anything.

Useful Articles

Title Loans Available in Cardiff, AL By The Following ZIP Codes:

35703, 35041

Cardiff, AL title loan calculator

Frequently Asked Questions About Car Title Loans in Cardiff, Alabama

Can I get a title loan in Cardiff, Alabama if I have a lien on my vehicle?

It may be possible to get a title loan in Cardiff, Alabama if you have a lien on your vehicle, but you will need to provide proof that the lienholder has agreed to the loan.

Can I get a title loan in Cardiff, Alabama if I am self-employed?

Yes, you can get a title loan in Cardiff, Alabama if you are self-employed, but you will need to provide proof of income, such as tax returns or bank statements.

Advise to read before applying

Look for Title Loans in Other Cities:

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