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Important notice:
We are currently not providing car title loan services in this state. The information brought here is meant to explain in general terms what auto title loans are. You can still submit a loan request for installment loans with us.
Living in America is quite a rollercoaster ride. Here incidents happen really fast and can catch you all of a sudden! With hurried travel trips, parties, and even accidents, you can never know what is gonna happen tomorrow.
And with these unforeseen situations come unanticipated expenses which are really hard to cover and handle on short notice. While many locals would approach banks, their long application process and closed credit criteria make it very difficult for them to borrow any fast cash.
During these times, people can select between two easy short-term financial options ( payday loans and title loans) where they can apply without any hassles and get instant cash for their needs.1
However, as payday loans have shorter repayment terms and comparatively high-interest rates, title loans become a better alternative for people in need.
Let's understand how these secured loans function and how you can take benefit of North Carolina title loans.
Title loans are fast and easily secured loans that allow people to utilize their car title and avail of extra cash in exchange.1
These collateral loans are well-known for having easygoing credit criteria and an uncomplicated application process that allows people with bad credit and unemployed ones to apply and get approved within 1 business day.2
Car title loans are notable by several other names including pink slip loans, title pawns, and auto equity loans, and don't require the applicants to submit their car while making monthly payments.1
In North Carolina, the title loan process is very simple and doesn't require going through the hard application process and you can expect to get the loan amount in your bank account within the same day.2
Here are some great reasons why looking for a title loan is a much better option than other lending options.
Unlike a traditional bank loan, online title loans don't need you to deal with the stress of checking off a long list of conditions or bringing in loads of documents to get approved for a loan. You can apply online for auto title loans in North Carolina by satisfying the following conditions:
Once you are sure that you meet all these above conditions, you can go ahead and apply for the title loan with 5 Star Car Title Loans.
You can call our team at (888) 309 0994 or go to our website and know whether your car can be eligible for a loan or not.
After you get the conditional approval, you can move on to the next step and learn about the important terms of your loan including the actual loan amount you can get, the annual percentage rate, repayment plans, etc.
Once you understand and agree with all the loan conditions, you can send in the requested documents to get your loan request processed and finalized.
Once you get the final approval from the loan lender, your loan request will be processed and you can the loan proceeds in your bank account within one business day.
Sadly, if the car title you have is not in your name, your title loan application cannot be processed. But don't panic just yet, as every problem has a solution. You can get your title transferred by following some simple steps.
You can begin the process by paying a visit to the nearest Highway Safety and Motor Vehicles Department and do the below-mentioned things:
When the title will get transferred in your name, you will get a notification and then you can reach out and take the benefit of car title loans.
You sure can!1
As compared to other traditional loans, title loans concentrate more on the collateral of the person rather than his credit report. Although some loan providers do conduct regular credit checks, they consider several other factors and credit history does not become a big obstacle.1
Given that you fulfill all those requirements and demonstrate a trustworthy ability to repay the loan, you'll be able to apply and get approved for a car title loan even with bad credit.
No!4
No matter who you are and where you live debt is something most people don't like. And given a chance, they would like to pay it off as soon as they can.
Even though various title loan services do charge prepayment penalties, the 5 Star team focuses on assisting clients so that they can easily take some emergency cash and when they get back their money they can pay it back without any complications.
We also provide flexible repayment options where people can opt for their own repayment schedule and pay back in monthly installments without stressing.
Generally, taking a title loan can be really hard. However when you choose to apply with an organization such as 5 Star Car Title Loans, you can enjoy great benefits that can make your loan application process smoother and effortless.
Here are some benefits we provide to improve our customer experience:
Going through tough financial times is quite hard and even though we try our best, stress can creep in and make our heads swivel.
So, before the worry gets you, you can reach out for our help and apply for a personal loan to take care of your sudden expenses.
nly using the equity you have built up in the car, or in other words, you are borrowing against the value of your car.
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Applications submitted on this website may be originated by one of several lenders, including: 5 Star Loans, Inc., dba 5 Star Car Title Loans, a licensed lender in California; or one of our lending partners, including tribal lenders.
Loans originated by our lending partners will not be serviced by 5 Star Car Title Loans.
*Choosing a loan amount between $250 to $2000, will connect you to our lending partners who provide installment and payday loans.
Applicants must be at least 18 years of age (19 in Alabama). Loans not available in all states.
See State Disclosures for additional information.
1Approving loans depends on meeting the credit criteria of the lender, and may be based in whole or in part on information obtained from a national database including, but not limited to, TransUnion, Equifax, LexisNexis or FactorTrust, Inc. This could also include offering certain assets as collateral. The actual loan amounts, terms and Annual Percentage Rate (APR) of a loan that the consumer qualifies for could vary according to the consumer. 5 Star Car Title Loans® has no control over other lenders’ interest rates or payments.
Proceeds of the loan are meant to be mostly used for personal, household or family purposes. The minimum loan amounts differ according to various states. Consumers must prove their ability to pay the loan back.
2Filling in the application form can take five (5) minutes to finish. When completed, conditional approval could be given, even though review of documentation is pending. Final funding time begins from the time the request gets final approval after it has been received and reviewed, with all necessary documents, and signed before 2pm of your lender’s local time during a business day.
3Some lenders offer option to rescind. If the consumer chooses to exercise the right to rescind the application, the consumer(s) must send a written notification to the lender before midnight on the 3rd calendar day after receiving the loan. The consumer(s) needs to return all monies received and the fees paid on the consumer(s) behalf by certified funds within one business day.
4Car Title Loans are expensive, and you may have other ways to get funding that is less expensive. These types of loans are meant to provide you with short term financing to solve immediate cash needs and should not be considered a long-term solution. We encourage and suggest that consumers pay often and early to avoid any additional finance charges.
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