Westover Title Finance

Title Loans Lufkin, Texas

When you have poor credit, managing your finances is like walking a tightrope. Any misstep can be disastrous because you don't have a safety net under you. Imagine getting hurt and not being able to work for a month or two. If you don't already have savings to fall back on, how will you and your family survive? People with poor credit can't get loans. The banks and credit unions will shut their doors in your face.

Luckily, there is one place that won't turn you away, one place that prides itself on giving people with bad credit the break they desperately need. We're called Westover Title Finance. We specialize in offering a unique credit solution called car title loans Lufkin, Texas.

Have you heard of auto title loans Lufkin before? Vehicle title loans Lufkin are secured loans that use the title to a car you own as collateral. Putting up collateral to secure loans is not a new practice. It's a way of promising the lender that you'll repay your loan. In this case, the collateral we require is extremely valuable because we at Westover Title Finance don't make you pass a credit check. Extending loans without checking our customers' credit is a risky business practice. Asking for our customers' car titles as collateral enables us to avoid the credit approval process without risking too much.

How Title Loans Lufkin, Texas Work

To get vehicle title loans Lufkin, you have to own a car. It's the only collateral we at Westover Title Finance accept. Your car (or truck, van, motorcycle or boat) must be fully paid for and your name must be on the title as the owner. If the title has someone else's name on it, that person will either have to apply for the loan with you or transfer the title to your name.

We'll use the value of your vehicle to determine how much money to offer you. When you agree to the loan, we'll take your title and place a short-term lien on it. This gives us the leverage to take your vehicle and sell it if you default on your loan. This is how we're able to bypass the credit check process.

You get to keep your vehicle while you make your payments. At the end of the loan, we'll remove the loan and give the title back to you. Title loans are easy to get, simple to understand and helpful to the people who need them most.

Applying for Car Title Loans in Lufkin, Texas

Begin your application with a preapproval loan quote here on our website. Fill out the form to your right for a free, no-obligation quote. We need to know your car's make, model, year and mileage (you can estimate). Fill out the next form with your name, phone number and zip code. We'll send you an almost immediate quote based on what you've told us about your vehicle. This number may vary slightly depending on the condition of your vehicle, which we won't know until you visit our office.

You'll get a call from us soon after your loan quote appears. We'll answer all questions about title loans you have, then we'll ask if you'd like to finalize the loan. If you would, we'll direct you to our office nearest you. When you come, bring these items with you to expedite the application process:

The car's title (no copies)
The vehicle itself
Your driver's license (or other photo I.D.)
Proof of income (pay stubs or bank statements)
Proof of address (a piece of mail or your mortgage/lease agreement)
A list of three personal references

If you aren't currently employed, don't assume that you're automatically disqualified from title loans Lufkin. At Westover Title Finance, we accept more than pay stubs for income verification. We can accept income from a plethora of alternative sources, including child support, alimony and disability payments. Talk with our loan representatives about your financial situation. We'll do everything we can to approve your loan.

While you're here, we'll take a quick look at your car to ascertain its condition. If your car is in better condition than we imagined, we'll increase your loan; if it's worse, we'll have to lower it slightly. Then, we'll draw up your loan agreement and explain everything to you. Feel free to ask as many questions as you need to. We don't want you to leave feeling confused about anything! Only when you're completely comfortable, sign your documents and pass your title to us. We'll give you a check for the full amount of the loan and it's all finished!

From the moment you walk into Westover Title Finance to the moment you leave with the check in hand, the whole application process should take less than an hour. Compare that with applying with a bank, where the application process can take several hours and the approval process can last days!

Are Title Loans Safe?

You may have heard a horror story from someone who lost his car to a title loan. Yes, we have the right to take your car and sell it if you default on your loan. It's a step we rarely take. Every now and then, though, someone refuses to work with us and it's the only option we have left. We don't like doing it.

We will always work hard to avoid seizing your vehicle. For one thing, it's a very lengthy and expensive step for us to take. For another, we don't want to lose you as a customer. We'd rather go the extra mile to get you back on track than take your vehicle.

Losing your car isn't something you have to worry about if you understand your loan payment plan thoroughly before you agree to it. Don't get in over your head, don't obtain a loan too expensive for you to afford and you'll be absolutely fine.

Title Loans in Lufkin, Texas

Title Loans Lufkin, Texas

How Title Loans Lufkin, Texas Work

Applying for Car Title Loans in Lufkin, Texas

Are Title Loans Safe?

Title Loans Offer a Unique Solution

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