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If you have any question not answered here, Call
(302) 995-1400
for immediate assistance.
Auto
Title Loans
If
you have a PAID
OFF vehicle
with a CLEAR
TITLE
How
do I get started?
You can start the process immediately by calling our office (302) 995-1400. Our store hours are 9:00 a.m. to 6:00 p.m. Monday thru Friday and Saturday from 9:30 a.m. to 1:00 p.m. It's EASY and FAST.
What is an Auto Title Loan?
An Auto Title Loan is a 30-day loan that is secured by your paid off vehicle. We place a lien on your vehicle and you continue to drive it. When the loan is due, you may:
a) Pay a first time loan in full with 0% interest. OR
b) Pay the interest (only 10% on first time loans) and we will generate a new loan contract which will be at 20% interest for the next 30 days.
What do I need to qualify for a loan?
You must bring with you to our office the following:
- Your Vehicle
- Proof of residence (phone, electric bill (s), etc.)
- Proof of employment (pay check, pay stub, etc.)
- Title to vehicle
- Registration
- Spare keys
- Valid drivers license
- Insurance card
- Three personal references
How much money can I borrow?
The loan amount is based upon the value of your vehicle and your monthly income. (Between $100.00 and $5,000.00)
How fast can I get the money?
We usually can have you approved within 20 minutes after taking your application, with a check in your hands as you leave our office!!
Do I need to have good credit to get a loan?
No
Do you check my credit?
We do not run a credit check with the three major credit bureaus, TransUnion, Equifax or Experian.
However, we do use Teletrack. Teletrack is a consumer reporting agency.
How much will this loan cost me?
If you pay a first time loan in full when it comes due, you will not be charged any interest! If you do not pay the loan when it comes due, you will be charged 10% on the total loan principal and then we will generate a new loan contract for the next 30 days, which will have a 20% interest rate for the principal owed.
How long is the term of the loan?
30 days. When the loan is due, you may:
a) Pay a first time loan in full with 0% interest. OR
b) Pay the interest (only 10% on first time loans) and we will generate a new loan contract which will be at 20% interest for the next 30 days.
If I can't pay off my loan when it comes due?
You may pay only the interest to generate a new loan contract for the next 30 days.
Can I pay off the loan at any time?
Yes. As long as you pay the interest when the loan comes due, you can continue to generate a new loan contract until your next payday. It's your choice.
Is there a penalty if I pay the loan off early?
No.
Do I get to keep my car?
Yes, you continue to drive your vehicle. We place a lien on the vehicle until you pay off your loan.
Do I need a Checking or Savings Account?
No.
How do I get started?
You can start the process immediately by calling our office (302) 995-1400, or just stop by between the hours of 9:00 a.m. to 6:00 p.m. Monday thru Friday and Saturday from 9:30 a.m. to 1:00 P.M.
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Payday Loans
If you have a CHECKING
account.
How do I get started?
You can start the process immediately by calling our office, (302) 995-1400. Our store hours are 9:00 a.m. to 6:00 p.m. Monday thru Friday and Saturday from 9:30 a.m. to 1:00 p.m.. It's EASY and FAST.
What is a PAYDAY LOAN?
A Payday Loan is a short-term loan until your next payday. When the loan is due, you may:
a) Pay a first time loan in full with 0% interest. OR
b) Pay the interest (only 10% on first time loans) and we will generate a new loan contract which will be at 20% interest until your next payday.
What do I need to qualify for a loan?
You must bring with you to our office the following:
- Most recent checking account statement.
- Most recent pay stub (with direct deposit) OR last 2 pay stubs (without direct deposit).
- Valid drivers license or state issued ID
- Personal check
- Name, address & phone number of three personal references.
How much money can I borrow?
Between $50.00 and $750.00. The loan amount is based on your monthly income and your stability at your job and residence.
Do I need a Checking Account?
Yes. You need a Checking Account, preferably with Direct Deposit.
How fast can I get the money?
We can usually have your application approved and processed within 20 minutes and you will leave our office with a check in your hand!!
Do I need to have good credit to get a loan?
No
Do you check my credit?
We do not run a credit check.
How much will this loan cost me?
If you pay a first time loan in full when it comes due, you will not be charged any interest! If you do not pay the loan when it comes due, you will be charged 10% on the total loan principal and then we will generate a new loan contract for the next 30 days, which will have a 20% interest rate for the principal owed.
How long is the term of the loan?
The loan is until your next payday. When the loan is due, you may:
a) Pay a first time loan in full with 0% interest. OR
b) Pay the interest (only 10% on first time loans) and we will generate a new loan contract which will be at 20% interest until your next payday.
If I can't pay off my loan when it comes due?
You may pay only the interest and we will generate a new loan contract until your next payday.
Can I pay off the loan at any time?
Yes. As long as you pay the interest when the loan comes due, you can continue to generate a new loan contract until your next payday. It's your choice.
Is there a penalty if I pay the loan off early?
No.
How do I get started?
You can start the process immediately by calling our office (302) 995-1400, or just stop by between the hours of 9:00 a.m. to 6:00 p.m. Monday thru Friday and Saturday from 9:30 a.m. to 1:00 p.m.
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