Check Into Cash Title Loans Review

Check Into Cash Title Loans is offered by Check Into Cash, a direct lender founded in 1993 and based in Cleveland, TN. Check Into Cash Title Loans is offered in 22 states across the USA.

What rates does Check Into Cash Title Loans charge?

Check Into Cash Title Loans offers auto title loans with a fixed APR that ranges from 6.99% up to 36%. Interest rates vary by state.

Does Check Into Cash Title Loans charge an origination fee?

Yes, Check Into Cash Title Loans charges a loan origination fee.

Does Check Into Cash Title Loans charge a late fee?

Yes, Check Into Cash Title Loans charges borrowers a late payment fee.

Does Check Into Cash Title Loans charge prepayment fees?

Yes, Check Into Cash Title Loans charges additional fees to borrowers who pay off their loans soon than anticipated. Take this into consideration when choosing a lender because prepayment penalties can reduce or even cancel the interest savings of repaying a loan early.

How much can you borrow from Check Into Cash Title Loans?

Loan amounts start at $1,000 and go up to $25,000.

What is the maximum loan term you can get with Check Into Cash Title Loans?

Check Into Cash Title Loans offers auto title loans with terms ranging from 12 to 24 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 auto title loan, the more interest you will pay.

What do you need to qualify for Check Into Cash 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.

Applicants with a credit score of at least 500 and up to 640 are eligible for Check Into Cash Title Loans. The minimum age to be eligible is 18 or the state minimum, whichever is higher.

Check Into Cash Title Loans does not have or does not disclose a minimum annual income eligibility requirement. Check Into Cash 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 Check Into Cash 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.

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

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

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

What is the estimated funding time for an auto title loan via Check Into Cash Title Loans?

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