Considering getting a car title loan or payday loan or have a general question about one of our other services? Just click on one of the sections below to find the answer.
Title loans are an easy way for people who own their vehicle to get cash using their vehicle as collateral. A title loan is also called a title pawn, auto title loan, equity auto loan, or a car title loan. Whatever name you choose to call it they are all the same thing. Your vehicle must be completely paid for to be eligible to get a car title loan. The lender will hold the title while you have the loan and you get to keep the car.
We are the best at what we do. We have been offering title loans since 1995 with thousands of satisfied customers. We care about our customers, and employees, and it shows in the way our employees treat our customers. If it were not for you, the customer, we would not be here and we recognize this. You can walk in one of our stores with your car title and drive away in 15 minutes. With our 48 hour risk free guarantee if you change your mind simply bring the amount borrowed back and close the title loan with no fees or charges!
Yes. We make title loans on motorcycles, 4-wheelers, and boats. However for motorcycles, 4-wheelers, and boats we require you to leave them with us in our secure storage. Not all locations are equipped for this so please contact the store location closest to you.
No Problem. Title Loan Express is here for you even if you have bad credit or a bankruptcy in the past. Your credit history is not a factor in the title loan approval process. Your vehicle is the collateral for the loan. Your credit worthiness is of no consideration to us. However, we will not loan to customers who have an active bankruptcy case.
If you are listed on the title along with another person and the title has AND both of you must be present. If you are listed on the title along with another person and the title has AND/OR or simply OR either of you may get a loan on the vehicle.
We use the Black Book Guide and loan up to 100% of the wholesale value of your vehicle. The amount we loan takes into consideration the mileage and overall condition of your vehicle.
If you have all of the items required to complete a transaction with you when you come into a Title Loan Express location, the title loan process will take about 15 minutes.
If you are seriously late or non-responsive on your title loan, vehicle repossession could occur. However, we consider repossession a last resort on title loans.
If you have already completed the online title loan application and uploaded the items we need we can have the title loan paperwork completed in less than 15 minutes.
Yes, as long as you have a clear title and your motorcycle is in good working condition, you may be eligible for a motorcycle title loan. To see if you qualify for a motorcycle title loan, bring your motorcycle and your clear title to a Title Loan Express location.
Motorcycle title loans are an easy way for people who own their motorcycle to get cash using their motorcycle as collateral. Your motorcycle must be completely paid for to be eligible to get a motorcycle title loan.
No Problem. Title Loan Express is here for you even if you have bad credit or a bankruptcy in the past. Your credit history is not a factor in the motorcycle title loan approval process. Your motorcycle is the collateral for the loan. Your credit worthiness is of no consideration to us.
We use the Kelley Blue Book Trade in Value and loan a percentage of the trade in value. The amount we loan takes into consideration the mileage and overall condition of your motorcycle.
Because of the high risk of loss on motorcycle loans we require that they be left with us in one of our secure temperature controlled storage facilities. We are one of the few companies to offer motorcycle title loans.
Extremely easy and fast. Because you are required to leave the motorcycle in one of our secure temperature controlled storage facilities. We treat a motorcycle title loan as a motorcycle pawn transaction and do not have any other requirements.
If you have already completed the online motorcycle title loan application we can have the motorcycle title loan paperwork completed in less than 15 minutes.
A payday loan is a easy way to get cash when you are short between paydays. It is a short term loan that is usually due the next time you get paid. You must have an active checking account to be eligible for this type of loan. You simply write a check for the loan amount you need, plus the finance charge, and we agree to hold it until your next payday.
As long as you do not have $500 in payday loans elsewhere we can loan you the difference. Alabama State law does not allow a consumer to have more than $500 in payday loans out amongst all payday lenders. We verify against a single state database to ensure compliance with this statute.
No Problem. Title Loan Express is here for you even if you have bad credit or a bankruptcy in the past. We do not check credit as a consideration for a payday loan and as long as you are not currently in bankruptcy or debtors court we can give you a payday loan.
You can still get a payday loan! You have 3 simple options. 1. We can text or email you a site to verify your bank online by instant bank verification. 2. Come to our office and you can print out your current bank transaction history. 3. Go by your local bank branch and get a 30 day activity printout with a teller stamp. Cash Spot makes it easy to give you a payday loan!
The loan is due whenever your next payday is. So if you only get paid once a month that is when your loan will be due as long as it is not more than 31 days away.
We are required by law to check state databases to maintain that each consumer has no more than $500 amongst all payday lenders in the State of Alabama. Once you clear the state database check, your information will go into our payday loan underwriting procedures to determine the amount that we can loan each consumer.
Can I rollover my payday loan when it is due? No, we do not allow rollovers. You must pay the loan in full when the loan is due. We, at our option, will immediately loan you the money back.
$500. The State of Alabama limit for each consumer is $500. This includes all payday loans amongst all payday loan companies. All licensed companies offering payday loans in the State of Alabama are required by statute to check a single state database for compliance on every payday loan.
We accept over 3000 gift card brands. We pay up to 82% on select gift card brands. You can sell physical gift cards and merchandise credits with a minimum balance of $10 on the card. The gift cards may even be partially used and need not have an even balance. If you have it we can probably buy it!
Bring your gift cards and any receipts that you may have to a Title Loan Express location. They will scan your ID and verify the balance on each card. You sign a transfer agreement and then you get paid cash.
Short answer is No. When the PIN is scratched, there is a far higher risk that the balance can be compromised. If you have a gift card with a covered number, do not scratch the pin. We will gladly check the balance of the gift card for you. Some gift card brands will issue you new cards if you ask them to if the pin is scratched off.
The minimum balance that we will accept on a card is $10. Different gift card brands limit the amount that may be loaded on each card. Also, as a reseller of gift cards our vendors may have different limits on each brand. It is best to contact us by text or the contact us page to ask us directly. Further, new customers with high gift card or merchandise credit balances MAY have further restrictions as well.
The minimum balance that we will accept to sell a gift card is $10. Different gift card brands limit the amount that may be loaded on each card. Also, as a reseller our vendors may have different limits on each brand. It is best to contact us by text or the contact us page to ask us directly. Further, new customers with high gift card or merchandise credit balances MAY have further restrictions as well.
Typically less than 10 minutes. We collect some general information about you in our system, scan your ID and verify your card balance(s). You sign a transfer agreement and then you get paid cash.
It depends on the spot price of gold or silver when you come in and how much your items weigh. We use Kitcoto determine the spot price of gold or silver.
Any gold jewelry containing diamonds or semi-precious stones will not be paid for. We are only interested in the amount of precious metals in your items for sale.
