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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

Where is AutoCashUSA Title Loans available?

AutoCashUSA Title Loans is an auto title secured loan product offered by AutoCashUSA, a direct lender based in Atlanta, GA that was founded in 2001. AutoCashUSA Title Loans is offered 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 a loan with AutoCashUSA Title Loans?

Applicants with a credit score of at least 300 can apply for a loan via AutoCashUSA Title Loans. The minimum age to apply for a loan is 18 or the state minimum, whichever is higher.

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.

Only U.S. citizens and permanent residents can apply for a loan.

AutoCashUSA Title Loans will also consider borrowers who are unemployed as long as they have an annual income of $15,000 or higher..

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

  • Driver's license
  • Proof of citizenship or residence permit
  • Recent pay stubs
  • Recent bank statements
  • Active duty servicemembers and their covered dependents cannot apply for a loan via AutoCashUSA Title Loans. The Military Lending Act prohibits lenders from charging servicemembers more than a 36% APR.

Note that AutoCashUSA Title Loans allows borrowers to use a co-signer. This means you could qualify without meeting the eligibility criteria mentioned above. However, you will need a friend or relative who does qualify and is willing to guarantee the loan.

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 loan payments to credit bureaus?

AutoCashUSA Title Loans does not report to any of the credit bureaus. Lenders are not required to report to the credit bureaus. However, making regular payments to a lender that reports to one or more credit bureaus may help you improve your credit score.

SUPERMONEY Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...

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  
Minimum Age 18
Credit Score Range 300 - 600
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Minimum Annual Income $15,000
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Unemployed
Vehicle Requirements
  • Clear Title
  • Vehicle Paid Off
Clean Title Required  
Military Status
  • Non-Military
Supported Income Types
  • 1099 Misc. Income
  • Cash
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
Joint Loan Applications Accepted
  • Cosigner
Verification Documents Required
  • Proof of Income
  • Recent Pay Stubs
  • Driver License (or other photo ID)
  • Proof of citizenship/residence (Green Card)
Loan Amount $300 - $15K
Loan Term Up to 12
APR 36% - 360%

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