Title Loans in Cambridge, Iowa

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No title loan companies in Cambridge, IA. Consider companies in other cities:

Company nameAddressZip codePhone number
CENT WestSide 3124 4th St SW, Mason City, IA 50401 +1 (641) 424 - 2368
GreenState Credit Union 3409 Cedar Heights Dr, Cedar Falls, IA 50613 +1 (800) 397 - 3790
LoanMax Title Loans 901 Gordon Dr, Sioux City, IA 51101 +1 (712) 252 - 1664
First Citizens Bank 2601 4th St SW, Mason City, IA 50401 +1 (641) 423 - 1600
Citizens Community Credit Union 106 S Mill St, Lake Mills, IA 50450 +1 (641) 592 - 0900
Finance of America Mortgage LLC 605 Lake St, Spirit Lake, IA 51360 +1 (712) 339 - 2231
Bank Iowa - Oskaloosa 1710 3rd Ave E, Oskaloosa, IA 52577 +1 (641) 673 - 7400
U.S. Bank ATM - Humboldt Drive-Up in Parking Lot 701 Sumner Ave, Humboldt, IA 50548 +1 (800) 872 - 2657
Linn Area Credit Union 3375 7th Ave, Marion, IA 52302 +1 (319) 892 - 7300
American Bank 234 5th Ave SW, Le Mars, IA 51031 +1 (712) 546 - 2345

Title Loan Companies in Nearby Cities

If there are no title loan companies in Cambridge, IA, you can try to find different companies in big cities nearby. Check out the following pages here: Car Title Loans in Council Bluffs, IA, Car Title Loans in Davenport, IA, Car Title Loans in Des Moines, IA, Title Loans in Dubuque, IA, Car Title Loans in Iowa City, IA, Car Title Loans in Marion, IA, Title Loans in Sioux City, IA and Title Loans in Urbandale, IA. 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 Cambridge, IA.

What are Title Loans in Cambridge, Iowa?

When you find yourself in need of financial assistance, whether it’s to pay off bills, consolidate debt, or for unexpected expenses, one option you may consider is getting a title loan. Title loans are a type of secured loan where the borrower uses their vehicle title as collateral in exchange for a sum of money.

In Cambridge, Iowa, title loans are a legal and popular option for those in need of quick cash. If you’re considering taking out a title loan, there are a few things you should know.

Requirements and Eligibility for a Title Loan in Cambridge, Iowa

In Iowa, title loan regulations are set by the state’s Banking Division. To qualify for a title loan, borrowers must be at least 18 years old and have a lien-free vehicle title. Additionally, the vehicle must be fully insured.

When applying for a title loan, the lender will require proof of income and may perform a credit check, although bad credit is typically not a barrier to being approved. The loan amount offered will depend on the value of your vehicle and your ability to repay the loan.

The Risks and Benefits of Title Loans

It’s important to weigh the risks and benefits of any loan before borrowing money. Title loans come with some unique advantages, including:

  • Rapid approval and funding process.
  • No credit check required.
  • You can still use your vehicle while paying off the loan.

However, there are also risks to consider. One of the major risks of title loans is that if you default on the loan, the lender may repossess your vehicle. Additionally, title loans often carry high interest rates and fees, which can lead to significant debt if not repaid in a timely manner.

Interesting Facts and Statistics About Title Loans in Cambridge, Iowa

  • According to the Iowa Division of Banking, as of December 31, 2019, there were 168 licensed title loan companies in the state of Iowa.
  • The maximum amount that can be borrowed through a title loan in Iowa is $25,000.
  • The average APR for a title loan in Iowa is 178%, according to a 2020 report by the Center for Responsible Lending.
  • Average title loan repayment periods in Iowa range from 30 days to two years.
  • In 2019, the Iowa Legislature passed a bill that increased the minimum loan term for title loans from 14 days to 30 days, providing borrowers with more time to repay the loan.

How to Apply for a Title Loan in Cambridge, Iowa

If you’ve decided that a title loan is the right choice for your financial needs, you can apply for a loan online through TheGuaranteedLoans website. We’re a connector service that facilitates connections between borrowers and potential lenders. As a connector service, we do not directly lend money to borrowers, but instead connect them with lenders who may be able to offer them a loan.

To apply for a title loan through TheGuaranteedLoans, simply fill out our online application form. We’ll then connect you with a lender who may be able to offer you a loan that meets your needs.

Conclusion

While title loans can be a good option for those in need of quick cash, it’s important to carefully consider the risks and benefits before taking out a loan. If you’ve decided that a title loan is the right choice for you, TheGuaranteedLoans can help connect you with a lender who may be able to offer you the funds you need to meet your financial goals.

Contact us today to learn more about our services and to start your title loan application.

Apply Now: Fill out our online application form to connect with a lender!

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Title Loans Available in Cambridge, IA By The Following ZIP Codes:

50046

Cambridge, IA title loan calculator

Frequently Asked Questions About Car Title Loans in Cambridge, Iowa

How do I apply for a title loan in Cambridge, Iowa?

To apply for a title loan in Cambridge, Iowa, you can visit a lender's physical location or apply online. You will need to provide your vehicle's title, proof of income, and other required information.

Can I get a title loan in Cambridge, Iowa if I am a resident of another state?

No, title loans in Cambridge, Iowa are only available to residents of the state.

Advise to read before applying

Look for Title Loans in Other Cities:

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