Title Loans in Kelly, North Carolina

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No title loan companies in Kelly, NC. Consider companies in other cities:

Company nameAddressZip codePhone number
Mariner Finance 472 N Main St, Waynesville, NC 28786 +1 (828) 456 - 9767
Mid-State Financial 3472 Sunset Ave, Rocky Mount, NC 27804 +1 (252) 557 - 2558
Carolina Farm Credit 1218 NC-90, Taylorsville, NC 28681 +1 (828) 632 - 8121
Mariner Finance 1257 Dabney Dr, Henderson, NC 27536 +1 (252) 438 - 2009
Fifth Third Bank & ATM 316 S Lafayette St, Shelby, NC 28150 +1 (704) 480 - 4444
United Bank 1311 Carolina Ave, Washington, NC 27889 +1 (252) 975 - 4807
SunTrust 8401 Ivan St, Stokesdale, NC 27357 +1 (336) 298 - 9913
Vogedes Insurance Agency, Inc. 6345 N Croatan Hwy 200, Kitty Hawk, NC 27949 +1 (252) 261 - 9300
Self-Help Credit Union 302 W Granville St, Windsor, NC 27983 +1 (252) 794 - 3242
Weyco Community Credit Union 1785 Weyerhaeuser Rd, Vanceboro, NC 28586 +1 (252) 514 - 4931

Title Loan Companies in Nearby Cities

If there are no title loan companies in Kelly, NC, you can try to find different companies in big cities nearby. Check out the following pages here: Title Loans in Huntersville, NC, Title Loans in Indian Trail, NC, Car Title Loans in Jacksonville, NC, Car Title Loans in Kannapolis, NC, Car Title Loans in Matthews, NC, Car Title Loans in Monroe, NC, Car Title Loans in Mooresville, NC and Car Title Loans in Raleigh, NC. 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 Kelly, NC.

Understanding Title Loans in Kelly, North Carolina

If you find yourself in a financial predicament and need quick cash, title loans are a popular option in North Carolina. Title loans allow you to use your vehicle as collateral to secure a loan, which can be a lifesaver when you need money in a hurry. This article will provide you with everything you need to know about title loans in Kelly, North Carolina.

How Do Title Loans Work in Kelly, North Carolina?

When you apply for a title loan in Kelly, North Carolina, you will need to provide the lender with the title to your vehicle as collateral for the loan. The amount you can borrow will be contingent on the value of your vehicle. Typically, lenders will allow you to borrow up to 50% of the car’s value, with loan amounts ranging from $100 to $10,000.

The loan terms will vary based on the lender and the amount borrowed, with repayment terms ranging from 30 days to several months. It’s essential to read the loan agreement carefully before you agree to the terms to ensure you understand the repayment period, the interest rate, and any other fees associated with the loan.

Are Title Loans Legal in Kelly, North Carolina?

Yes, title loans are legal in Kelly, North Carolina. However, the state has specific regulations in place to protect consumers from predatory lending practices.

For example, North Carolina law requires lenders to cap the interest rate at 30% for loans up to $1,500. For loans over $1,500, lenders cannot charge more than 15% interest. Additionally, the state prohibits lenders from renewing loans beyond six times, and borrowers must repay the loan in full before they can apply for a new one.

The Pros and Cons of Title Loans in Kelly, North Carolina

Like any other financial product, title loans have their advantages and disadvantages. Let’s take a closer look at what they are.

Pros:

  • Quick access to cash when you need it most.
  • No credit check required – the loan is secured by the value of your vehicle.
  • You can still use your vehicle while you have the loan.
  • You may be able to borrow more money than with a traditional personal loan.

Cons:

  • High-interest rates and fees that can lead to a cycle of debt.
  • You risk losing your vehicle if you can’t pay back the loan.
  • The loan amount is limited by the value of your car.
  • The short-term repayment period can be difficult to meet, leading to default or additional fees.

Interesting Facts and Statistics About Title Loans in Kelly, North Carolina

According to a recent study, the average loan amount for a title loan in North Carolina is $1,000, with an average annual percentage rate (APR) of 210%. Additionally, the study found that around 1 in 5 borrowers lost their vehicle as a result of taking out a title loan.

Apply Now for an Online Title Loan with TheGuaranteedLoans

If you’ve decided that a title loan is the right financial product for your situation, TheGuaranteedLoans can help you find a lender that meets your needs. We are a connector service that matches borrowers with lenders based on their specific requirements. Our online application process is easy and secure, and you can receive a decision within minutes.

It’s important to note that TheGuaranteedLoans is not a direct lender. Instead, we work with an extensive network of lenders to facilitate loan connections and make the process as smooth as possible for you. Fill out our online application today to get started on your title loan journey.

The Bottom Line

Title loans can be a lifesaver when you’re in a financial crunch and need quick cash. However, as with any loan product, it’s crucial to understand the terms and risks associated with title loans in Kelly, North Carolina. By doing your research and working with a reputable lender, you can make an informed decision that meets your financial needs.

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Title Loans Available in Kelly, NC By The Following ZIP Codes:

28448

Kelly, NC title loan calculator

Frequently Asked Questions About Car Title Loans in Kelly, North Carolina

How long does it take to get approved for a title loan in Kelly, North Carolina?

The approval process for a title loan in Kelly, North Carolina is typically very quick. In most cases, you can expect to get approved for a title loan in Kelly, North Carolina within a few hours, and you can receive the funds from your loan the same day.

What are the interest rates for title loans in Kelly, North Carolina?

The interest rates for title loans in Kelly, North Carolina vary depending on the lender and the specific loan terms. In general, title loans in Kelly, North Carolina have higher interest rates than traditional loans, due to the higher risk involved.

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Look for Title Loans in Other Cities:

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