Title Loans in Jefferson, Alabama

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

Company nameAddressZip codePhone number
Advance America 3000 Pepperell Pkwy Ste. 10, Opelika, AL 36801
Cash Express 11110 AL-157, Moulton, AL 35650
Great American Cash Advance 302 E Laurel Ave, Foley, AL 36535
Loan Master 3705 Sullivan St, Madison, AL 35758 +1 (256) 464 - 5350
Money Mart 21204 US-31, Thorsby, AL 35171
Opelika Finance 1721 Pepperell Pkwy, Opelika, AL 36801 +1 (334) 745 - 2600
Always Money 1602 2nd Ave SW, Cullman, AL 35055
Tower Loan 2104 Cogswell Ave, Pell City, AL 35125 +1 (205) 227 - 7590
MAX Credit Union 1207 US-231, Troy, AL 36081 +1 (334) 260 - 2600
Montana Capital Car Title Loans 1216 West Interstate 65 Service Rd S, Mobile, AL 36609 +1 (251) 277 - 9680

Title Loan Companies in Nearby Cities

If there are no title loan companies in Jefferson, AL, you can try to find different companies in big cities nearby. Check out the following pages here: Title Loans in Mountain Brook, AL, Car Title Loans in Northport, AL, Title Loans in Opelika, AL, Title Loans in Oxford, AL, Car Title Loans in Pelham, AL, Title Loans in Pell City, AL, Title Loans in Phenix City, AL and Car Title Loans in Prattville, 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 Jefferson, AL.

Title Loans in Jefferson, Alabama: A Comprehensive Guide

If you find yourself in need of quick cash, title loans can be a convenient option. In Alabama, title loans are legal and popular, providing residents with the ability to get the money they need in a timely manner. This article will cover everything you need to know about title loans in Jefferson, Alabama.

What Are Title Loans?

A title loan in Jefferson, Alabama is a type of secured loan where the borrower uses their vehicle as collateral. The lender holds onto the title until the loan is paid off in full. The amount available for a title loan is typically based on the value of the vehicle. These loans are short-term and have high-interest rates.

The Application Process

To apply for a title loan in Jefferson, Alabama, you must provide the lender with the following:

  • The title to the vehicle
  • Proof of income
  • Proof of insurance
  • Photo ID
  • Social Security number

Once the lender approves your application, they will inspect the vehicle to assess its value and determine the loan amount. In most cases, the lender will require the borrower to provide a copy of their car keys. The borrower must also sign a contract that outlines the terms of the loan.

Repayment of Title Loans

Most title loans in Jefferson, Alabama are due within 30 days. However, loans can be renewed at the borrower’s request by paying the interest and fees due on the loan. The lender may also offer the option to make interest-only payments, with the principal due at the end of the loan term.

If the borrower defaults on the loan, the lender can repossess the vehicle and sell it to recoup the amount owed. However, Alabama law requires that lenders give borrowers a 10-day notice before the vehicle is repossessed.

Benefits and Risks of Title Loans

The main benefits of title loans in Jefferson, Alabama are that they are quick and easy to obtain. In many cases, borrowers can get the money they need in less than an hour. Additionally, title loans do not require a credit check, making them an option for people who may have poor credit.

However, the high-interest rates and short repayment terms can make title loans risky. Borrowers must be sure they can repay the loan on time to avoid losing their vehicle.

Interesting Facts and Statistics about Title Loans in Jefferson, Alabama

  • Alabama has the highest concentration of title loan stores in the United States.
  • According to a study by the Alabama Appleseed Center for Law & Justice, title loans in the state have an average annual percentage rate (APR) of 300%.
  • Thirty percent of Alabamians have taken out a title loan at some point.

Apply Now

If you need a title loan in Jefferson, Alabama, TheGuaranteedLoans can help you find a lender. We are a connector service, not a direct lender, and we work with a network of trusted lenders to help you get the best loan for your needs. To apply for a title loan, fill out our online application today.

Remember to borrow responsibly and only take out a title loan if you can repay it on time. By understanding the risks and benefits of title loans in Jefferson, Alabama, you can make an informed decision that meets your financial needs.

Useful Articles

Jefferson, AL title loan calculator

Frequently Asked Questions About Car Title Loans in Jefferson, Alabama

Can I get a title loan in Jefferson, Alabama if I'm self-employed?

Yes, borrowers who are self-employed can still qualify for a title loan in Jefferson, Alabama by providing proof of income through tax returns or financial statements.

How do I know if a title loan lender in Jefferson, Alabama is reputable?

To determine if a title loan lender in Jefferson, Alabama is reputable, borrowers can check the lender's license with the Office of Consumer Credit Commissioner and review customer feedback and ratings online.

Advise to read before applying

Look for Title Loans in Other Cities:

Alabaster Anniston Atmore Auburn Birmingham Decatur Dothan Florence Foley Gadsden Hoover Huntsville Madison Mobile Montgomery Opelika Phenix City Prattville Tuscaloosa Vestavia Hills
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