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  AutoCashUSA Title Loans

AutoCashUSA Title Loans

in Auto Title Loans from AutoCashUSA

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AutoCashUSA Title Loans

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in Auto Title Loans from AutoCashUSA

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Highlights
Highlights
Loan Amount $300 - $15,000
APR 36% - 360%
Credit Score Range 300 - 600

AutoCashUSA Title Loans Review

AutoCashUSA Title Loans is offered by AutoCashUSA, a direct lender founded in 2001 and based in Atlanta, GA. AutoCashUSA Title Loans is available in 20 states across the USA.

What rates does AutoCashUSA Title Loans charge?

AutoCashUSA Title Loans offers auto title loans with a variable APR that ranges from 36% up to 360%.

Does AutoCashUSA Title Loans charge an origination fee?

No, AutoCashUSA Title Loans does not charge a loan origination fee.

A loan origination fee is what some lenders charge for processing, underwriting, and funding a loan. Typically fees range from 0.5% to 5% of the loan amount. Whenever possible, choose lenders that don’t charge origination fees.

Does AutoCashUSA Title Loans charge a late fee?

No, AutoCashUSA Title Loans will not charge you a late fee.

Does AutoCashUSA Title Loans charge prepayment fees?

No, AutoCashUSA Title Loans does not charge prepayment fees. This means you will not have to pay additional fees if you decide to pay the loan off early.

How much can you borrow from AutoCashUSA Title Loans?

Loan amounts start at $300 and go up to $15,000.

What is the maximum loan term you can get with AutoCashUSA Title Loans?

AutoCashUSA Title Loans offers auto title loans with a maximum term of 12 months. Having the option of longer terms allows borrowers to take on larger loan amounts while keeping monthly payments more affordable. However, the longer the term of your loan, the more interest you will pay.

What do you need to qualify for AutoCashUSA Title Loans?

To qualify for a loan, you must have a clean title of your vehicle. In other words, you must be the undisputed owner of the vehicle. You can't have any liens or levies from creditors or other parties on your vehicle's title. Don't worry, there are other lenders who will consider borrowers who don't have a clean title.

The minimum age to be eligible is 18 or the state minimum, whichever is higher.

To qualify for auto title loans with AutoCashUSA Title Loans, applicants need a minimum annual income of $15,000 or higher. AutoCashUSA Title Loans will consider borrowers regardless of their employment status if they can prove their ability to repay their obligations.

The Military Lending Act (32 C.F.R. § 232) prohibits lenders from charging service members more than 36% APR on credit extended to covered borrowers. APRs for the AutoCashUSA Title Loans product fall outside of the MLA limits and as a result the product cannot be issued to these applicants. Active duty service members and their covered dependents are considered “covered borrowers" under the Military Lending Act.

U.S. citizens are, of course, eligible for the services offered by AutoCashUSA Title Loans. Permanent resident / green card holders are also eligible to apply.

To qualify, applicants may need to provide the following documentation:

  • Recent pay stubs
  • Proof of income
  • Driver's license
  • Proof of citizenship or residence permit

What is the estimated funding time for an auto title loan via AutoCashUSA Title Loans?

AutoCashUSA Title Loans will typically provide a credit approval decision in less than an hour and fund the loan within 0 and 1 business days.

Does AutoCashUSA Title Loans report your account activity to credit bureaus?

AutoCashUSA Title Loans does not report to any of the major credit bureaus. Creditors are not required to report payment activity to credit bureaus. However, making regular on-time payments to a creditor that reports to one or more credit bureaus may help improve your credit score.

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Contact

  • Headquarters
  •   Community Loans of America, Inc
    8601 Dunwoody Place
    Atlanta, GA 30350 USA
  •   Visit Site

About AutoCashUSA Title Loans

Availability

Alaska Alabama Arkansas Arizona California Colorado Connecticut Washington, D.C. Delaware Florida Georgia Hawaii Iowa Idaho Illinois Indiana Kansas Kentucky Louisiana Massachusetts Maryland Maine Michigan Minnesota Missouri Mississippi Montana North Carolina North Dakota Nebraska New Hampshire New Jersey New Mexico Nevada New York Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Virginia Vermont Washington Wisconsin West Virginia Wyoming
  Available in 20 states
  • Alabama
  • Arizona
  • California
  • Delaware
  • Georgia
  • Idaho
  • Illinois
  • Louisiana
  • Mississippi
  • Missouri
  • Nevada
  • New Hampshire
  • New Mexico
  • Ohio
  • South Carolina
  • Tennessee
  • Texas
  • Utah
  • Virginia
  • Wisconsin

Feature Breakdown

No Origination Fee  
No Prepayment Fee  
No Late Fees  
Clean Title Required  
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Unemployed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Joint Loan Applications Accepted
  • Cosigner
Military Status
  • Non-Military
Minimum Age 18
Minimum Annual Income $15,000
Supported Income Types
  • 1099 Misc. Income
  • Cash
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
Vehicle Requirements
  • Clear Title
  • Vehicle Paid Off
Verification Documents Required
  • Proof of Income
  • Recent Pay Stubs
  • Driver License (or other photo ID)
  • Proof of citizenship/residence (Green Card)
Funding Time Range (in days) 0 - 1
Credit Bureau Reporting
  • None
Customizable Payment Dates  
Joint Loans Available  
Payment Options
  • Storefront
Loan Term Up to 12
Loan Amount $300 - $15K
APR 36% - 360%

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