What’s The Process To Get A Title Loan In Baton Rouge, LA?
In today’s climate, it’s difficult for most Americans to envision how they would deal with a financial disaster. Here’s the process for a title loan in Baton Rouge, LA for when life throws a curveball your way.
To connect with a loan vendor through At Home Title Loans, you’ll need to start by completing the online form. Schedule and attend an appointment with an associate to review your required items. If approved, you could qualify for up to $15,000.
Whether you’re desperately in need of a cash solution or just want to be prepared for the worst, a title loan can be a big help if used correctly. Take a closer look at the loan process in this article to see how you can get started.
How Does A Title Loan Work?
Before reviewing the process for obtaining a title loan in Baton Rouge, LA, let’s briefly look at how they work. A title loan is a secured loan using your car’s title as a type of collateral. Lenders place a lien against the car title to incentivize repayment, which you’ll make regularly scheduled payments toward paying off.
During the repayment period, you can still use your car as you usually would, and once the car title loan in Baton Rouge, LA has been completely paid off, the lender will remove the lien from your car title.
The Simple Process To Get A Title Loan In Baton Rouge, LA
Before getting started on a title loan in Baton Rouge, LA, you’ll want to make sure you have the following three items:
- Your driver’s license or government-issued I.D.– It’s important for At Home Title Loans’ lenders to verify your age and identity before issuing a loan. You can use a non-driver’s license, student ID, military ID, or passport to meet this obligation.
- Your lien-free car title – Lien-free basically indicates that you own your vehicle outright, with no outstanding liens or judgments against it. If a car title has a lien against it, the title loses its value as collateral, and therefore, cannot be used to obtain a title loan.
- Your car for a brief inspection – Your car’s condition plays a significant role in how much you could qualify for, and a loan associate will need to review your car’s condition before you are approved.
Got these three things squared away? Next, you’ll need to start the title loan process with one of our vendors, which is broken up into three simple steps:
- Complete the online form to receive a call from one of At Home Title Loans’ vendors.
- Schedule a meeting with that lender at a location near you or request that their loan representative comes to you.
- Provide the loan rep with your required items and vehicle for a quick inspection.
Complete The Online Form
First, complete and submit the online form. Once the form is received, you’ll receive a phone call soon after from one of our vendors to speak with an associate about how the loan works. Feel free to inquire about anything you’re unsure of.
Schedule A Meeting
Next, you’ll schedule a meeting with a loan associate so that your car can be inspected. You get to pick where the meeting takes place. As such, there’s no need to head to the store if you don’t want to.
In any case, you’ll still need to bring along your required items, namely your identification, lien-free car title, and your car to the meeting.
Follow Through With Inspection
Lastly, attend the scheduled meeting with the loan associate so that they can make sure everything’s above board. They’ll check your ID, your title, and the car itself, including the condition and the VIN.
Once they’re done, you’ll know if you are approved for a loan. Should you be approved, you can get the money you need that very same day or on the subsequent business day.
FAQs About Title Loans
Can I Get A Loan With Poor Credit?
You may still have the chance to get a title loan with poor credit, and you can still feel free to apply with At Home Title Loans’ vendors with any credit situation. We welcome borrowers from all credit backgrounds.
Do I Need To Own My Car Outright To Get A Title Loan?
Yes, you are required to own your car outright in order to take out a title loan. If you’re still making payments, close them out before you apply to give you the best chance of approval.
What Can I Use A Title Loan For?
You can use a title loan to cover emergency repairs, medical bills, or expensive business travel. Any financial situation where not paying your bills would lead to further problems is a time to consider title loans. Title loans should not be used on frivolous spending or in any situation where you have the option to save up before making a purchase or taking a trip.
Get Your Loan Today!
Life emergencies can leave you feeling stressed about your financial situation, but thankfully, the process for getting a title loan is super simple. As such, when you need a quick cash flow solution, At Home Title Loans’ vendors can certainly help out.
The simple process involves inquiring online with the quick title loan form, scheduling a meeting, and completing the rest of the inspection and loan process in person. If you’re ready to take hold of your financial well-being, consider applying 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.
