How Can You Get Approved For A Title Loan In La Crosse, WI?

A Wisconsin title loan can become a quick way for you to get access to extra cash when you have an emergency expense that needs your immediate attention, if you’re looking to get a title loan in La Crosse, WI, you may want to check out us at Wisconsin Auto Title Loans Inc. right now.

With us, you might be able to qualify for up to $15,000 in only half an hour, but there are a few requirements that you would have to meet. Keep on reading to find out what those requirements are.

What Items Will You Need To Get Approved For A Title Loan?

You do not need a checking account to take out a title loan with us. Furthermore, your credit score doesn’t necessarily have to be excellent – a title loan is a secured loan that uses your vehicle’s lien-free title as collateral to secure the money, so we don’t have to rely so heavily on your credit score. Though getting approved for such a loan is not extremely difficult, you will get declined if one of the following items is not in order.

Driver’s License Or State-Issued ID

You would have to bring a state-issued photo ID or your driver’s license to one of our stores. Your ID or driver’s license will help prove your identity, name, and the fact that you’re not a minor. Bear in mind that only those who are over 18 years of age can attempt to take out a loan with us. If you are using a state-issued ID because you can’t bring in your driver’s license for whatever reason, make sure it has a clear image of you on it.

Your Vehicle For An Inspection

First, you need to learn what vehicles we will accept with. We do not accept vehicles such as a boat, motorcycle, or trailer. Instead, we accept cars, pickup trucks, SUVs, and minivans. Then, you would have to ensure that your vehicle has value and is in workable condition. This is because we use your vehicle’s value and condition to determine if you qualify for approval and how much money you can get. We determine this through a quick inspection when you also show us your title and ID.

A Lien-Free Title In Your Name

A clear title is a requirement that typically causes the majority of issues. If you have an unpaid lien on your title, you cannot use it as collateral because we have to place a lien on your title as you repay the loan. If you have liens on your title, you will have to go to the DMV to get the lien removed. You also have to make sure your name appears on the title.

You can have two names on the car title, but pay attention to the conjunction used between the names. An ‘or’ between the names means that only one individual would be required for any future transactions concerning the vehicle. If there is an ‘and’ between the names on the title, you will be required to get the other person’s official permission before taking out a title loan.

A Step-By-Step Guide To Taking Out A Title Loan

So, you’re over 18 and you have your car and lien-free title ready? Then the most difficult part of the process is already over. In fact, the rest of our process is quick and easy to get through. All you will do is go through a few steps to determine if you qualify for approval. Plus, if you do, you can get the money on the same day or the next bank business day. Here are the steps you will go through to find out if you can get this loan:

1. You can get started whenever you feel like it by filling out the online form on our website. This sends your contact information to the nearest store so we can give you a call.
2. During the phone call, we will go over the required items and set up the meeting for you. This can happen either at the nearest store or have the representative come to another location.
3. Meet with the representative with your required items. They will assess your vehicle and title to determine if you qualify for approval and how much we can lend to you.
4. If you qualify for approval, you will be asked to sign the final papers and we will go over the loan terms. Once done, you can drive away in your vehicle and wait for the money to arrive.

Get Access To The Much-Needed Cash Today!

A Wisconsin title loan can become a way out of a tough financial situation, and if you’re looking for a reputable lender in La Crosse, WI, Wisconsin Auto Title Loans, Inc. is here to help. 

Through us, you might qualify to receive up to $15,000 in the shortest timeframe. You don’t need perfect credit and one of our loan representatives can come to you to inspect your vehicle. So, if you have a clear title and an urgent bill to take care of, a title loan can help. Fill out the inquiry form right now to begin.

 

Note: The content provided in this article is only for informational purposes, and you should contact your financial advisor about your specific financial situation.