How To Get A Title Loan In Utah

If you started looking for title loans in Utah, it might mean that you’re dealing with an emergency and need help paying for it quickly. If that is the case, getting a bank loan can take forever and you still might be denied even after waiting. But contrary to popular belief, taking out a loan doesn’t have to be a difficult process. We here at Utah Title Loans, Inc. have made sure that you aren’t stuck searching for “best title loans Utah” on Google. Keep reading to learn about our process and our title loans.

A Step-By-Step Guide To Getting A Title Loan In Utah

1. Fill Out The Online Form

The first thing you have to do is go to our website and fill out the online form on our homepage. This form isn’t the actual application, but it does allow one of our loan representatives from the nearest store office to give you a call. This is the call that allows us to schedule your meeting so we can get the process started. The good thing about this meeting is it doesn’t have to happen at the store. In fact, our loan representatives can meet you at a location that you choose.

2. Gather The Required Items

While on the phone with the representative, they will go over what items you need to have in order for us to determine if you qualify for approval. It is very important that you get these items ready and bring them with you to the meeting location. The good thing is our list of required items is short and simple for you to remember. All you need is the following:

• Have your driver’s license or state-issued photo ID to prove you aren’t a minor.
• Bring your car to allow us to quickly inspect it.
• Have a lien-free title to that car in your name to use as collateral.

When it comes to your title, it is lien-free if there are no outstanding loans on it. This means you will not be able to get this loan if you are still making car payments or have an unpaid loan on your title. You also have to make sure the title is in your name. For any changes you have to make, you will have to go to the DMV before you can come see us for a title loan.

3. Meet With The Representative

Once you have the items ready and you’ve made sure your title is good to go, you can head to the meeting location. Again, this can happen either at the nearest store location – which we have all over Utah – or at another location of your choosing. Either way we will need to inspect your vehicle for us to determine how much we can lend to you. We will also assess your title and ID to determine if you qualify for approval. In some cases we might even have to run a quick credit check.

4. Find Out If You Are Approved

Once the representative inspects your vehicle and assess your title, they will then tell you if you are approved and how much we can lend to you. If you are, they will then go over the loan terms and help you finish the paperwork – which includes signing the loan agreement. If you agree with our terms and you’ve signed the paperwork, you are done. You can drive away in your car and wait for your money to arrive either later the same day or the next bank business day.

FAQs About Title Loans

Will You Get To Keep Driving The Car?

As we said above, you will keep your car and are able to drive it whenever you want while you repay the loan. Remember, we are using your vehicle’s title as the collateral. So that means we hold onto the title, not the vehicle. Just make sure you make your loan repayments on time and there will be no issues. And once you are done paying off the loan, we will safely return your title.

What If The Car Title Is Not In My Name?

As we also said in the beginning, the car title should not only be lien-free, but also have your name on it. Now, that doesn’t mean you won’t qualify for this loan if there is another name next to yours on the title. Just take a look at your title and see if the word “and” appears in between the names. If it does, you will need to get the other person’s permission to take out a loan. If “or” is used in between the names, you do not need the other person’s permission to get title loans in Utah.

Do I Need To Have A Checking Account?

When it comes to the best title loans in Utah, we do not require you to have a checking account in order to qualify. We also don’t check your source of income. As long as you are able to receive your money and pay us back on time, we leave all of that up to you. So if that kept you from getting a loan before, it doesn’t with us!

Where Do I Find The Best Title Loans Utah?

We’ve made it very easy for you to find us. As we said, we have store locations all over Utah, so you are bound to live by one of them if you ever wanted to just pop by and ask any questions. And you don’t have to go on a search for our locations either. All you have to do is go to our locations page on our website. From there, each one of our stores has its own page with a breakdown of where to find the building and our complete address and contact information.

Take Out A Title Loan Today!

We hope that we have managed to help you find the best title loans Utah. We at Utah Title Loans, Inc. are dedicated to assisting you in getting the financial boost that you need in the quickest possible time. And now that you know the complete process, you are able to get your required items and get started right away! You could be just 30 minutes away from finding out if you qualify for approval. Fill out the online form now to get started on the process today!

 

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