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How To Apply For A Title Loan

A title loan is meant to be short-term however, you can keep the account up to 10 months if you make the minimum monthly payment on or before your due date.

Step 1: Complete our application.
Step 2: Bring in your vehicle for a quick 5 minute inspection.
Step 3: After you have accepted the loan offer you will receive funds immediately.

                  

Responsible Lending

Capital Title Loan is committed to giving its customers the best experience possible.  Car title loans are secured by the equity in your vehicle. This type of loan is not intended to be a long-term solution. The max APR for a title loan is 0%*, plus a lien fee of $25. Loan repayment periods can range from 61 days to 10 months.

Representative Example: If you choose to pay your loan within 61 days then the total repayment for a $100 loan is $100. Customer is also responsible for paying a lien fee of $25.

LOAN AMOUNT (Amount Financed) LOAN TERM (# of Days) LOAN FEE (Finance Charge) CHECK AMOUNT (Total of Payments) APR
$100 61 $0 $100.00 0%

 

Representative Loan Examples (Changing Terms) One Time Fee Total
Amount Term Rate (APR) No. of Payments Monthly Payments   Lien Fee  
$100.00 61 days 0% 2 $50.00   $25.00 $125.00

 * This offer is only provided to customers who application originated via a paid Google advertisement. Your actual rate depends upon loan amount, loan term, credit usage and history, and will be agreed upon between you and the lender.


GENERAL CODE OF PRACTICE/POLICY ON RESPONSIBLE LENDING

Capital Title Loan we are proud to be a responsible participant in the Title loan industry. We strive to provide excellent service to our customers, and therefore adopt the following as representative of our core values:

· We will not encourage customers to engage in a loan transaction if we do not believe that our service is appropriate for them.
· We will not intentionally market to people who are financially insecure.
· We will not encourage people to borrow more than we believe they can afford to repay.
· We will do our best to provide information so our customers have a clear and understanding of the services we provide.
· We will comply with appropriate state and local regulations related to short-term loans.

Borrowing Responsibly

First, determine whether a loan transaction is in your best interest. If you do not feel that you will realistically be able to pay it back in a timely manner, understand that you may run the risk of incurring extra charges by allowing the contract to rollover.

We recommend that you not engage in a loan transaction unless you fully understand, and are comfortable with, the terms and conditions. The finance charge is 25% every month on the principle balance of the loan transaction. In addition, fee(s) may be charged to register a lien on the title and are only charged in the event that the lien is secured and due at the time that the account is paid in full. Because of the high risk associated with short-term loans, this loan is not intended for a long-term solution.

Responsible Lending

Capital Title Loan facilitates loan transactions that are conducted in a secure and responsible manner, with appropriate consumer protections. Our principles and core values include, but are not limited to, full disclosure, truthful advertising, and fair collections practices.

Full Disclosure

We comply with the disclosure requirements of the state in which the title loan office is located and with federal disclosure requirements including the Federal Truth in Lending Act. Our title loan contracts with customers fully outline the terms of the transaction. We disclose the cost of the service fee both as a dollar amount and as an annual percentage rate ("APR"). We further ensure full disclosure by making rates clearly identifiable to customers before they enter into the transaction process, unless not permitted by federal, state, or local law.

Compliance

We comply with all applicable laws. As such, it is our policy to not charge any fees or rates for a loan transaction that are deemed unauthorized by state or federal law.

Truth In Advertising

We do not advertise the title loan service in any false, misleading, or deceptive manner, and promote only the responsible use of our title loan service.

Encouraging Consumer Responsibility

Through this policy on responsible lending, we educate our customers that these loans are meant to provide you with short-term financing to solve immediate cash needs and should not be considered a long–term solution.

Collection Policies and Practices

Our collection agents will collect past due accounts in a professional, fair and lawful manner. Upon Default, the following are examples of things that may occur:

1. Contact with you may be attempted through all provided means including active phone numbers for all account holders, references, letters and emails.
2. Repossession of the collateral at issue in the transaction.
3. Litigation to recover balance in full in which debtor will be responsible for all associated costs and fees including attorneys' fees.

The term of the loan transaction is up to 10 months.  In the event that the redemption premium is not received by your due date, the account will automatically renew into another 30-day term acquiring additional fees to automatically accrue on the account until the balance is paid in full. If you are unable to pay the account in full, the minimum payment of the interest accrued and 10% of the original loan amount can be paid to renew the term and avoid further collection.

Capital Title Loan does not report any information about your account to credit bureaus. Late payments, missed payments or default on your account will not be reflected on your credit score. Capital Title Loan will repossess any collateral in the event of a default.