Who Figures Out How Much My Title Loan Will Be Worth?
By Title Loans Expert | April 12, 2012
The title loans process at 1-800LoanMart is relatively simple compared to a bank’s application process, but it is still important to know what you are potentially getting yourself in for. 1-800LoanMart is a very transparent organization and we are happy to answer your questions. In regards to today’s question, a title loan underwriter figures out how much your loan will be worth.
When you get started with 1-800LoanMart, you have to fill out our application—this can be done online or over the phone. As soon as we receive the application, one of our loan underwriters is assigned to work for you and they’ll start putting together your free loan estimate. Though 1-800LoanMart does perform a credit check, we do not base our loans off your credit score. All of our title loans are based off the value of your vehicle.
We do our best to secure you the loan amount that you’re looking for, but there are a few other factors involved. The amount we can lend is regulated on a state by state basis, so while a person in California might be eligible for the maximum $30,000 with their vehicle, the same vehicle in Illinois can only be eligible for $4000. 1-800LoanMart would like to be able to offer more, but the law is the law. Our loan underwriter also looks at your income to make sure this loan will be the best thing for you.
Once the loan underwriter has put together our offer, they will call you and give you our estimate and tell you everything you need to know about rates and payments. This is a no-obligation offer, so don’t feel that you have to accept it if it doesn’t best suit your needs. Stay tuned tomorrow as 1-800LoanMart answers another title loan question!
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What happens After I apply for a Title Loan?
By Title Loans Expert | April 11, 2012
At 1-800LoanMart, we receive many calls from individuals interested in pursuing a title loan, but they don’t know quite how the entire process works. In order to clear the air a bit, 1-800LoanMart is currently blogging about the difference steps in our title loans process. Our preliminary title loans application is quite easy to get through, but many people aren’t sure what happens next.
As soon as we receive your application, one of 1-800LoanMart’s title loan underwriters begins putting together a loan package for you. Approximately an hour after sending your application, you will receive a call from the loan underwriter who will tell you how much you have been approved for and explain the rates and payments of the loan. There is no obligation to accept the offer, but if you do, there are only a few more steps before you can receive the loan.
1-800LoanMart will need you to fax over a few things including identification, the title, proof of income and two personal references. After everything goes through, 1-800LoanMart will send you to a nearby signing location or send out a mobile notary should you live in a remote location. At the signing location, one of our employees will take a few photographs of your car and have you sign a few things and hand over your title (you will receive a new title in the mail very soon).
You are then free to drive off in your car—you retain possession during the loan—and can cash your check at your bank or any Wells Fargo location. There are a variety of ways to make payments, we’ll get to this in a later blog, but 1-800LoanMart is here to help throughout the process. Feel free to call 1-800LoanMart at any time!
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How Do You Apply For A Title Loan?
By Title Loans Expert | April 4, 2012
1-800LoanMart is dedicated to helping our customers. Not sure how to apply for a title loan? 1-800LoanMart’s title loan process is very straightforward and can be completed in a matter of minutes. If you head to our tile loans website, you will find the application located in the top right, directly across from wrestling superstar Hulk Hogan.
This is only a preapproval application and will not require you to enter in too much information at this point. 1-800LoanMart first and foremost needs to know more about the car that you wish to take the loan out on. With the year, make, model and total mileage, we will be able to begin creating a free loan estimate for you based on your situation. While 1-800LoanMart does perform a credit check, the amount we lend is based on the value of your vehicle and not on your credit score.
If you are approved for the loan—the application will tell you immediately after you submit it whether or not you have been approved—you will receive a call from a 1-800LoanMart underwriter with the terms of the loan and how much you can borrow about an hour after you apply. From there, if you choose to accept the offer, it’s all a matter of faxing in a few documents to 1-800LoanMart.
Once everything is processed, you will be directed to a signing location near you to sign a few documents and pick up your check. From there, the money is yours to do with as you please. 1-800LoanMart is here to help in any way we can.
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What is a Title Loan?
By Title Loans Expert | April 3, 2012
While 1-800LoanMart helps people every day get the cash they need with our title loans, it’s easier to forget that many people are not aware of a great type of loan that any person can get. In today’s economy, banks only lend to people with pristine credit, and even then they’re overly cautious, but anyone who owns an automobile can get a title loan. Title loans allow individuals to use their vehicle’s equity to borrow money just like a home equity loan.
As collateral for the loan, 1-800LoanMart becomes the temporary lien holder listed on the vehicle’s title. A person with a title loan can still drive the car during the loan and the title is released to them when the loan has been paid off. The process is just the same as when the vehicle was initially purchased and the bank was listed as the lien holder. The minimums and maximums of the loan are determined by state, but all loans are otherwise determined by the year, make, model and mileage of the vehicle.
The title loans from 1-800LoanMart are a vast improvement over payday loans because they are fully amortized. Payments go towards both the interest and principle, which means there are no balloon payments. There are also no prepayment penalties, so the loan can be paid off at any time. An individual can have a loan out for a few years if need be, but a person can pay off the loan in just a few weeks and avoid most of the interest.
1-800LoanMart’s title loans process is much faster than a bank loan; people generally receive funding in one to two days. The first step is to fill out an online application. It takes only a few moments to complete. A title loans underwriter will contact you shortly thereafter with our offer and then walk you through the rest of 1-800LoanMart’s process.
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1-800LoanMart Helps People Who Need Money
By 1-800LoanMart | April 2, 2012
1-800LoanMart is a leading lender in the title loan industry and has helped countless individuals obtain the money they deserve. With a title loan you can use the money that you have already invested into your vehicle in order to obtain a secure loan. The car title acts as collateral in order to provide a secure loan. A title loan is much different than traditional loans and do not share the same characteristics as payday loans. It is no secret that payday loans or cash advances are notorious for trapping customers in a cycle of debt.
With 1-800LoanMart there are no hidden fees or prepaying penalties. Also, the payments are fully amortized; the payments will go towards the principal and the interest in order to avoid “balloon payments”. The professionals at 1-800LoanMart are here to help you qualify for the highest potential dollar amount possible.
The great thing about 1-800LoanMart is that the amount of money offered for a title loan is determined by the value of your vehicle. This means that your credit score is not a factor when determining how much money you can qualify for. The process 1-800LoanMart uses has been streamlined because it allows our customers the ability to access their cash the day they apply. The online application is the first step in the process and can be submitted for free!
Once the application is submitted the customer will receive a call from the loan underwriter. The loan underwriter process the application and once the results are in, contacts the customer directly. There are no strings attached or commitments tied into the application process. Once you submit your application it takes about one hour for the loan underwriter to contact you and report the results. 1-800LoanMart is here to help you obtain a title loan and is ready to help you in any way we can.
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1-800LoanMart Can Approve You For A Loan When Banks Cannot
By Title Loans Expert | March 30, 2012
1-800LoanMart started with the goal of helping people who needed money, but could not secure a loan in today’s troubled economy. People these days often do not have the best credit ratings and banks are unwillingly to take chances. If you have been denied a loan from the bank, there are still places like 1-800LoanMart that can help you get the cash you need.
When people think of alternative lenders, their minds often jump to payday loans or cash advances. These places have negative connotations in many people’s minds and with good reason. They are often predatory and try to trap their customers into paying as much interest as possible. 1-800LoanMart is not like that. You will receive the same level of security and customer service as any other reputable lender. Our goal at 1-800LoanMart is to help you and not to harm you like payday loan lenders.
The title loans offered by 1-800LoanMart are based entirely on the value of your vehicle and not on your credit score. We do not take your vehicle during the duration of the loan and you can pay back the loan at any time without incurring a penalty fee. The process is very simple and many of our customers can get the cash they need the day they apply.
The first thing to do is to apply online using 1-800LoanMart’s online application. This is a very simple, no-commitment application that will let us determine if a title loan is right for you. Approximately an hour after submitting the application, you will receive a call from a title loans underwriter who will present our offer. There’s no need to accept our offer, but 1-800LoanMart is ready to help anyway we can.
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1-800LoanMart to Sponsor Brandon Loverock
By 1-800LoanMart | March 29, 2012
We at 1-800LoanMart are proud to announce a new auto racing sponsorship with Brandon Loverock of the SRL Series. The former champion at the nearby Orange Show Speedway, Brandon Loverock should have a strong 2012 SRL Series season ahead and we at 1-800LoanMart are excited to watch Brandon take on all comers all season long!
Brandon and the rest of the racers kick off the 2012 SRL season this Saturday April 7, 2012 with the Spears Manufacturing 125. The race will be at the quarter mile Stockton 99 Speedway in Stockton, California. The race was set for March 31 but has been postponed due to expected rain in Stockton this weekend.
Admission for the Spears Manufacturing 125 at Stockton 99 Speedway ranges from:
- $25 for General Admission
- $15 for Juniors, Seniors, Military with Military ID
- And Kids 10 & Under get in FREE
- Family Pass for $65
Come out and watch Brandon Loverock take on all challengers in Stockton on Saturday and enjoy some fast racing! 1-800LoanMart will be there to watch our new sponsor in action this race and all season long this year in the SRL Series!
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1-800LoanMart Can Help People With Bad Credit
By Title Loans Expert | March 28, 2012
Do you not have the money to pay your bills or take care of necessary expenses? If you own your own vehicle, 1-800LoanMart can help regardless of your credit score. Starting amidst a troubled economy, 1-800LoanMart has tried to help people in need for over ten years. Title loans are quite different from normal bank loans because they allow you to use your automobile to borrow money. Even though banks aren’t lending, there is still a way for you to get the cash you need.
Because the amount of the loan is based off the value of your vehicle, your credit score is not a determining factor in the loan. However, title loans are not right for everyone, but that’s also a good thing. 1-800LoanMart makes sure you can pay off the loan in a timely matter, so you won’t be trapped in debt forever. The process for getting started is quite simple, though, and will only take you a few minutes to begin.
The first thing you need to do is fill out the 1-800LoanMart online application. This straightforward pre-approval application requires a few pieces of information about you. If you are approved for the loan, you’ll know at the end of the application, you will then receive a call from a loan underwriter who will tell you how much you have been approved for. If you choose to accept the offer, there is no obligation just be applying, the loan underwriter will then send you to a signing location where you can pick up your check.
A large benefit of title loans from 1-800LoanMart is that there are no balloon payments and no pre-payment penalties. The loans are fully amortized and you can get out of the loan as soon as you can without having to pay off all of the interest. 1-800LoanMart could be the solution you need, so apply today!
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Front Row Motorsports Driver David Gilliland Drove the 1-800LoanMart Car in Auto Club 400
By Title Loans Expert | March 27, 2012
There’s nothing quite like the thrill of being the primary sponsor of a Sprint Cup Series NASCAR vehicle! 1-800LoanMart was in Fontana over the weekend to cheer on David Gilliland who was driving the 1-800LoanMart car in the Auto Club 400. Josh Wise, who 1-800LoanMart is helping in his quest for rookie of the year this season, was not sponsored by 1-800LoanMart this race, but we were still happy to see him behind the wheel. Gilliland is originally from Riverside, so it was great to support a hometown hero—he’s a previous winner at the Perris Auto Speedway—and watch a true expert behind the wheel.
Front Row Motorsports has been around roughly the same amount of time as 1-800LoanMart. Both companies emerged out of lackluster economies and managed to find success. Today, 1-800LoanMart offers title loans in six states and Front Row Motorsports has become a full-time operation. David Gilliland finished third in last year’s Daytona 500, which was the best showing for Front Row Motorsports since they started in 2005. Gilliland didn’t win this race, but we know he’s going to have some great moments during the rest of this season.
Josh Wise finished in 37th place, he was the only rookie-of-the-year contender competing in the Auto Club 400, and Gilliland finished a little bit higher in 30th. This was a tough race because of the rain—the race was called during Lap 129—but they both put forward a valiant effort. The race belonged to Tony Stewart who tricked Denny Hamlin into thinking he was heading for a pit stop on Lap 124, but then pulled a fast one and slid behind the pace car. Stewart has two victories this season.
Up next for the Sprint Cup Series will be the Goody’s Fast Relief 500 at the Martinsville Speedway in Virginia. Fun fact: this race has been in every Sprint Cup Series season since 1949, making it the oldest race in the series. 1-800LoanMart will not be a sponsor this race, but we’ll still be cheering on Front Row Motorsports!
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1-800LoanMart Previews Tonight’s Clippers Game Against the Hornets
By Title Loans Expert | March 26, 2012
After losing to the New Orleans Hornets last week, 1-800LoanMart’s official partners the Los Angeles Clippers have the chance to get some sweet revenge tonight—1-800LoanMart will be there after finishing up our title loans work for the day! When the Clippers were in New Orleans last Thursday, they were coming off two losses and playing their third game in three days. As much as Chris Paul wanted to put on a good showing for his former team, the Clippers were in no condition to beat anyone.
The Clippers had Sunday off and they should be ready to trounce one of the worst teams in the league tonight. The Clippers are currently 26-21 and even with their recent trouble they are still in much better than the Hornets who have one of the worst records in the NBA this season with 36 losses and just 12 wins. As you recall, Hornets forward Jason Smith hard-fouled Blake Griffin last week and will be sitting out today’s game as a penalty. The Hornets are also down Eric Gordan and Chris Kaman making this a for-sure win tonight.
The Clippers are also coming off a win against the Memphis Grizzlies, preventing Lob City from a fourth consecutive loss. Coming off a 16-point lead at the end of the first quarter, the Clippers kept strong on defense and managed to seal a 101-85 win. The Clippers certainly still have their share of issues to work on, but they seemed to be having fun again and keeping morale up is going to be the key to winning the rest of these home games this week.
There were great performances from Randy Foye, Blake Griffin, Caron Butler, Nick Young and Chris Paul, so be sure to keep an eye on them in tonight’s game. Mo Williams will probably be sitting this one out again because of his sprained toe, but his injury is fortunately not as severe as Chauncey Billup’s Achilles tendon tear. 1-800LoanMart knows the Clippers can do it—we hope to see you tonight!
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1-800LoanMart Recaps Clippers Win Against Grizzlies
By Title Loans Expert | March 26, 2012
The Los Angeles Clippers, official partners of 1-800LoanMart, struggled last week out on the road, but it looks like things might be getting back on track. In a thrilling game this past Saturday, the Clippers took an early lead over the Grizzlies and successfully avoided a fourth consecutive loss. They have four more games at home to play and they need every win if they want to get back on top of the Western Conference.
Right after re-signing Bobby Simmons after his second 10-day contract expired, the Clippers were back at the Staples Center to face the evenly-matched Memphis Grizzlies. After the Clippers put up 33 points in the first quarter, there was nothing the Grizzlies could do to stop Lob City. Mo Williams was unfortunately sidelined with a sprained toe, but the rest of the team managed to come together and break into the triple digits for the first time in weeks.
One of the big names lately on the Clippers has been Randy Foye who has been playing consistently well over the past couple weeks. Foye was given the chance to start on Saturday’s game and he hit three consecutive 3-pointers in the third quarter and walked away with 18 points. Blake Griffin also had a great game after a disappointing performance against the Hornets: 20 points, 10 rebounds, 5 assists and he even managed to make eight of his 12 free throws!
There’s still a difficult road for the Clippers ahead if they want to make the playoffs, but tonight’s game against the Hornets should give them another much-needed win. The Hornets only beat them last time because the Clippers morale was low and they were exhausted, but the Hornets still have a terrible record and they’re down Jason Smith who has been suspended for two games after fouling Blake Griffin in last week’s matchup. The Clippers are going to do great tonight and 1-800LoanMart will be there after helping our title loans customers!
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1-800LoanMart Takes a Close Look At the Clippers Loss to New Orleans
By Title Loans Expert | March 23, 2012
1-800LoanMart has been staying late at our title loans office to watch the Clippers this week in order to bring you all the latest on LA’s hottest basketball team. The official partners of 1-800LoanMart had to contend with the ultimate test: three games in a row. This week went sour for the Clippers with losses to the Pacers, Thunder and Hornets, but they will be back at the Staples Center this Saturday and we will be there to cheer them on!
Yesterday the Clippers were in New Orleans to play the Hornets after a stop in Blake Griffin’s hometown of Oklahoma City the day before. This was a momentous occasion because it marked the first time Chris Paul was back in the NOLA arena since being traded late last year to the Clippers. There was a video tribute to Paul up on the big screen and 133 members of his CP3 Afterschool Zone program were in attendance to root him on.
While he did generate five fouls during the game, Paul played quite well with 16 points and nine assists. The Hornets may have beaten the Clippers this game 90-97, the Hornets have been doing quite poorly this season without him. Like many of their losses, the Clippers started strong but were unable to keep it together in the last quarter where they only managed to put up 11 points. Mo Williams injured his left toe early on in the fourth quarter, but the X-rays taken at the game did not show a break; 1-800LoanMart hopes you recover soon Mo!
The last home game stretch did not go too well for the Clippers, but this time they only have one back-to-back at the very end of March so they should be able to regain some momentum. Looking forward to April, the schedule is looking to be much kinder to Lob City. The Clippers are still a great team and 1-800LoanMart will be rooting for them this Saturday!
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1-800LoanMart’s Official Partners the LA Clippers Play New Orleans Hornets Tonight
By Title Loans Expert | March 22, 2012
1-800LoanMart’s official partners are currently out on the road and the LA Clippers will be playing their last road game in New Orleans tonight before heading back to the Staples Center for another stretch of home games. The schedule this season proved to be increasingly difficult for the Clippers as they entered into three games in three days. They’ve lost the first two so far, but the New Orleans Hornets haven’t playing very well since Chris Paul left, which makes this a good opportunity for Lob City.
When 1-800LoanMart started watching the Clippers play the Pacers on Monday, we knew it was anyone’s game. Both teams were rather evenly matched statistically and even scored the same amount of points in the first quarter. Despite Blake Griffin making 23 points and 10 rebounds, the Clippers weren’t able to match the scoring of the Pacers bench who were shooting at 60% on the field. Chris Paul was on his game too, but the rest of the Clippers weren’t making the shots he set them up for.
When the Clippers hit Oklahoma City to face the Thunder, the game started off about the same as the day before with each team racking up points into the 30’s. The fun stopped there for the Clippers who struggled to keep up with the Thunder who are now leading the Western Conference. Griffin had a season-low seven points and the Clippers lost 91-114.
Playing their third game in three days tonight will be difficult for the Clippers, but the Hornets have not been playing well at all this season. Even with the Clippers having trouble with scoring lately, they should be able to grind one out tonight in New Orleans. 1-800LoanMart will be watching the game tonight at our title loans company office in Encino and we hope you will watch too!
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1-800LoanMart Previews This Upcoming Sunday’s NASCAR Race In Fontana
By 1-800LoanMart | March 21, 2012
1-800LoanMart is ready for another NASCAR event this weekend at the Auto Club Speedway in Fontana California. The race this Sunday is going to be a big race for and David Gilliland and 1-800LoanMart because Gilliland is likely to do better than his career-best finish at 17th position in 2008 at the Auto Club Speedway. Look our 1-800LoanMart employees in the stands as we cheer on our favorite racer No. 38!
At the Food City 500 last weekend David Gilliland placed 26th in his Ford car and completed almost all of the total 500 laps. He even earned 18 points towards the Sprint Cup! Also, this next race on Sunday will be Gilliland’s 11th Sprint Cup start. Furthermore, the Auto Club Speedway is a good track for Gilliland to race well because local fans will turn out in large numbers for Gilliland and the speedway’s oval will make is easy for Gilliland to move up to the pole position!
David Gilliland’s next race will start late in the weekend on Sunday in Fontana. You can bet that 1-800LoanMart will be there at the race because it’s right in our backyard! This weekend’s race at the Auto Club Speedway marks Gilliland’s homecoming race and he will be driving 1-800LoanMart’s No. 38 black and green Ford car. Come on down with 1-800LoanMart this weekend for some sure-to-be frantic racing action! Our title loan services are fast so naturally we love NASCAR. 1-800LoanMart predicts David Gilliland the Homecoming King will do better than his last run at the Auto Club Speedway in 2008. Check out the race this Sunday to see how well he does!
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Lucas Oil Modified Racing Series Sponsored By 1-800LoanMart Begins March 24th
By Title Loans Expert | March 20, 2012
Are you ready for the Lucas Oil Modified Racing Series, racing fans? 1-800LoanMart will be presenting the series this season and we couldn’t be more excited. The Lucas Oil Modified Racing Series has given its fans plenty to be excited about in the past and we’re sure this year won’t be any different! If you like highly competitive, bumper-to-bumper racing, then you are going to love the Lucas Oil Modified Racing Series!
The first race presented by 1-800LoanMart will be happening on Saturday, March 24th, in Lake Havasu City, AZ, on the Havasu 95 Speedway inside the Sara Park complex. It’s a quarter-mile, paved oval track that will make for some real tricky racing. Team will compete to qualify for 22 spots where they will be racing 75 laps for a $1,110 prize (qualifying teams will each receive an additional $250). Though it may be the first race this season, teams will also be competing for points that could lead to additional cash. Besides the actual winner’s prize, there are plenty of ways for teams to make ends meet out on the road.
1-800LoanMart has been a huge supporter of racing in the past and all the racing fans around our title loans office can’t wait for this season to start. A bunch of us should be able to make the trip out to Lake Havasu City to see some great modified, open-wheel action! 1-800LoanMart wishes all the drivers the best of luck!
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