Title Loans in Humphreys, Missouri

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No title loan companies in Humphreys, MO. Consider companies in other cities:

Company nameAddressZip codePhone number
Quick Cash 4637 McMasters Ave, Hannibal, MO 63401
Western Finance 212 W Commercial St, Lebanon, MO 65536 +1 (417) 532 - 0382
Sun Loan Company 770 S Westwood Blvd, Poplar Bluff, MO 63901 +1 (573) 785 - 5400
Sun Loan Company 201 S Bishop Ave Ste C, Rolla, MO 65401 +1 (573) 341 - 9990
First State Community Bank 412 Main St, Boonville, MO 65233 +1 (660) 882 - 6642
Security Finance 1100 Spur Dr Suite 160, Marshfield, MO 65706 +1 (417) 859 - 4825
Flexi Cash 141 Moscow Springs Plaza, Moscow Mills, MO 63362 +1 (636) 462 - 6166
Combs Payday Loans 736 Weber Rd, Farmington, MO 63640 +1 (573) 747 - 0330
LendNation 8318 E 171st St, Belton, MO 64012 +1 (816) 318 - 3736
U.S. Bank ATM - Poplar Bluff Northtown 2024 N Westwood Blvd, Poplar Bluff, MO 63901 +1 (800) 872 - 2657

Title Loan Companies in Nearby Cities

If there are no title loan companies in Humphreys, MO, you can try to find different companies in big cities nearby. Check out the following pages here: Title Loans in Independence, MO, Title Loans in Jefferson City, MO, Title Loans in Joplin, MO, Title Loans in Kansas City, MO, Car Title Loans in Lee's Summit, MO, Title Loans in Liberty, MO, Car Title Loans in Saint Charles, MO and Car Title Loans in Saint Joseph, MO. 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 Humphreys, MO.

Understanding Title Loans in Humphreys, Missouri

If you’re in need of quick cash in Humphreys, Missouri, you may have considered a title loan. Title loans are legal and popular in Missouri because they offer a way for individuals to secure a loan without a credit check or extensive paperwork. However, it’s important to understand how title loans work and the potential risks involved before deciding to apply for one.

What is a Title Loan?

A title loan is a secured loan that uses a vehicle as collateral. The borrower hands over the title of their vehicle to the lender, who holds it until the loan is repaid. The loan amount is typically a percentage of the vehicle’s value, and the borrower must make regular payments to repay the loan plus interest and fees.

How Do Title Loans Work in Humphreys, Missouri?

In Humphreys, Missouri, title loans are regulated by the state’s Division of Finance. Lenders must be licensed and comply with state laws regarding interest rates, loan amounts, and fees.

When applying for a title loan in Humphreys, Missouri, the borrower must provide the lender with the following information:

  • The title of the vehicle
  • Proof of income
  • Personal identification
  • Vehicle registration

The lender will then assess the value of the vehicle and offer a loan amount based on that value. The borrower agrees to repay the loan plus interest and fees within a set timeframe, typically 30 days.

If the borrower is unable to repay the loan, the lender may repossess the vehicle and sell it to recoup their losses. However, Missouri law requires lenders to give the borrower a chance to repay the loan before repossessing the vehicle.

The Risks of Title Loans

While title loans can be a helpful way to access quick cash in an emergency, they also come with significant risks. The interest rates and fees are often much higher than traditional loans, and if the borrower is unable to repay the loan, they risk losing their vehicle.

According to a Consumer Financial Protection Bureau study, one in five title loan borrowers have their vehicle seized for failing to repay the loan. Additionally, the same study found that more than two-thirds of title loan borrowers take out seven or more consecutive loans, indicating a cycle of debt.

It’s important to carefully consider the risks of a title loan before deciding to take one out. If possible, explore other options for accessing quick cash, such as borrowing from a friend or family member or using a credit card.

Interesting Facts About Title Loans in Humphreys, Missouri

  • In Missouri, title loan lenders are allowed to charge up to 25% interest per month, or 300% annually.
  • In 2019, Missouri borrowers took out more than 750,000 title loans, with average interest rates of 246% and average loan amounts of $1,354.
  • The Missouri state legislature has considered several bills to regulate title loans more closely, but none have been passed as of yet.

Apply Now

If you’ve carefully considered the risks and have decided that a title loan is the right choice for you, TheGuaranteedLoans can help you connect with potential lenders in Humphreys, Missouri. Fill out our online application today and we’ll work to connect you with the best lender for your needs. Remember, TheGuaranteedLoans is a connector service and not a direct lender.

Useful Articles

Title Loans Available in Humphreys, MO By The Following ZIP Codes:

64646

Humphreys, MO title loan calculator

Frequently Asked Questions About Car Title Loans in Humphreys, Missouri

How much can I borrow with a title loan in Humphreys, Missouri?

The amount that a borrower can borrow with a title loan in Humphreys, Missouri will depend on the value of their vehicle and their ability to repay the loan. Title loan lenders in Humphreys, Missouri typically offer loans ranging from $100 to $10,000.

How long do I have to repay a title loan in Humphreys, Missouri?

The repayment period for title loans in Humphreys, Missouri typically ranges from 30 to 180 days.

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Look for Title Loans in Other Cities:

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