Car Title Loan FAQs

  • Do I need to have good credit to get a loan?
    • No. It is only one of several factors that we look at if you apply for a
      loan. Bankruptcy and other forms of bad credit will not
      automatically disqualify you for a car title loan. If we feel that you have
      sufficient income to make the monthly payments and
      repay the loan, then there is a good chance we will be able to approve you for a loan.
  • How fast can I get an auto title loan?
    • If you qualify we can usually approve your personal loan within one hour
      from the time you submit the Loan Application to us (during normal
      business hours). When you receive loan approval you will be asked to
      provide a few items such as a car title, proof of insurance, and ID so that
      we can verify your residence, income and employment. Once you have
      signed the loan documents, we can fund the loan instantly by
      electronically transferring the money directly into your bank account or we
      can send you cashier's check for the amount. The total time it will take to
      complete the loan process from application to funding depends on how
      long it takes you to get everything to us. If you send us the items we need to process the loan immediately after you receive loan approval, the entire loan process can be completed in just a few hours.
  • I am concerned about the personal information I give you; will this information be kept safe?
    • Yes it will! We are concerned about your personal information as well,
      and we are deeply committed to protecting it. We go to great lengths to
      secure your personal information by securing your connection to our
      online application and protecting our database from unauthorized users.
  • How much cash can I borrow?
    • We typically make loans to 50% of the wholesale value of the vehicle.
  • What factors determine how much I may borrow?
    • We take various factors into consideration such as the year, make,
      model, mileage, and condition of the vehicle. We will also consider your
      debt to income ration as well as your ability to repay the loan and make
      the monthly payments. You should apply even if you have bad credit or no job.
  • What if I lost my title?
    • That's OK. We can still approve you for a loan even if you do not have
      the Title. However, it must be paid off, and you must be the registered
      owner of the vehicle.
  • What if the vehicle is not registered in my name?
    • If you have the title to the vehicle and it was properly signed by the
      previous owner, you are still eligible for a loan.
When I needed
money fast –
Fidelity One
was there for
me.

Apply Now for an Instant Decision!