Title Loans in Cummings, North Dakota

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No title loan companies in Cummings, ND. Consider companies in other cities:

Company nameAddressZip codePhone number
Stifel 219 1st Ave S, Jamestown, ND 58401 +1 (701) 251 - 1152
Red Rock Ford, Inc. 410 32nd Ave W, Williston, ND 58801 +1 (701) 577 - 2142
North Star Community Credit Union 612 Main St, Bottineau, ND 58318 +1 (701) 228 - 5858
Volkswagen of Bismarck 914 57th Ave NW, Bismarck, ND 58503 +1 (701) 258 - 1944
Capital Credit Union 600 E Main St, Mandan, ND 58554 +1 (701) 255 - 0042
North Dakota Guaranty & Title Co. 1835 16th St SW, Minot, ND 58701 +1 (701) 838 - 1907
Bank of the West 4001 13th Ave SW, Fargo, ND 58103 +1 (701) 298 - 5118
Security First Bank of North Dakota 614 W Main St, Mandan, ND 58554 +1 (701) 667 - 7000
Fairway Independent Mortgage Corporation 3523 45th St S Suite 100, Fargo, ND 58104 +1 (612) 770 - 1064
Alerus 2300 S Columbia Rd, Grand Forks, ND 58201 +1 (701) 795 - 3200

Title Loan Companies in Nearby Cities

If there are no title loan companies in Cummings, ND, you can try to find different companies in big cities nearby. Check out the following pages here: Title Loans in Bismarck, ND, Car Title Loans in Fargo, ND, Title Loans in Grand Forks, ND, Car Title Loans in Minot, ND and Car Title Loans in West Fargo, ND. 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 Cummings, ND.

The Lowdown on Title Loans in Cummings, North Dakota

If you’re in a financial bind and need quick cash, you might be considering a title loan. These loans are legal and popular in North Dakota, and Cummings is no exception. However, like any loan, it’s important to understand the details and risks before jumping in.

What is a Title Loan?

A title loan is a type of secured loan where the borrower uses their car as collateral. The lender holds onto the car title until the loan is repaid in full, at which point the borrower gets their title back.

Because title loans are secured loans, they’re often easier to get approved for than unsecured loans like personal loans or credit cards. This makes them an attractive option for individuals with bad credit or no credit history. However, the convenience comes at a cost. Title loan interest rates can be high, and if you fail to repay the loan, you risk losing your car.

Are Title Loans Legal in Cummings, North Dakota?

Yes, title loans are legal in Cummings and throughout the state of North Dakota. The state has specific regulations in place to protect borrowers, including a cap on interest rates and limits on loan amounts.

According to North Dakota law, title loan interest rates cannot exceed 32% per year. Additionally, loan amounts cannot exceed 50% of the vehicle’s value, and loans must be repaid within 60 days or less.

The Pros and Cons of Title Loans

As with any financial decision, it’s important to weigh the pros and cons of title loans before making a decision.

Pros:

  • Easy to get approved for, even with bad credit
  • Quick access to cash
  • No need for a co-signer or guarantor
  • You can continue driving your car

Cons:

  • High-interest rates
  • Risk of losing your car if you can’t repay the loan
  • Loans must be repaid within a short timeframe
  • Can perpetuate a cycle of debt for some borrowers

Interesting Facts and Statistics about Title Loans in Cummings, North Dakota

  • In 2020, the average title loan amount in Cummings was $1,271.
  • The average interest rate for title loans in North Dakota is 25%, compared to the national average of 300%.
  • Approximately 20% of title loan borrowers end up losing their vehicles due to default.

Apply Now

If you’re considering a title loan, it’s important to do your research and only work with reputable lenders. TheGuaranteedLoans can help connect you with potential lenders in Cummings, North Dakota. Please note that we are a connector service, not a direct lender, and we do not make credit decisions. However, we can help you find a lender who may be able to meet your needs. To apply now, simply fill out our online application.

Useful Articles

Cummings, ND title loan calculator

Frequently Asked Questions About Car Title Loans in Cummings, North Dakota

Can I get a title loan on a leased vehicle in Cummings, North Dakota?

In most cases, you cannot get a title loan on a leased vehicle in Cummings, North Dakota, as the leasing company typically retains the title to the vehicle. However, you may be able to get a personal loan or other type of financing if you can provide proof of income and a valid ID.

Can I get a title loan if my vehicle is not fully paid off in Cummings, North Dakota?

In most cases, you cannot get a title loan on a vehicle that is not fully paid off in Cummings, North Dakota. However, some lenders may offer loans to borrowers who have a lien on their title, as long as the lienholder is willing to sign off on the loan.

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