Title Loans in Prescott Valley, Arizona
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Ideally, we would all like to live in a place where there is a low crime rate, friendly people and the cost of living isn’t too high. Well, Prescott Valley, Arizona can brag about two out of three of these characteristics, but when it comes to the cost of living in Prescott, you’ll be paying more than the national average for housing costs. If you can afford your mortgage payments and maintenance costs, you are fortunate. However, with higher housing costs and fierce competition for decent paying jobs, you could find yourself in a tough position financially.
Rather than falling behind on bills, you could check into the advantages of title loans Prescott Valley. If you need just a little cash to stay on top of your bills, you could take out a small loan or a larger sum if you need money for major repairs around the home. Actually, title loan cash can be spent on anything you choose when you secure the loan with your auto title. Belden Finance is always there to help with quick cash and professional services.
Applying for Title Loans Prescott Valley
The Application Form
We have scaled down the application process to the bare minimum to make it easy to apply for loans. We ask you to provide a small amount of vehicle information and a way to contact you about your loan interests. To complete an application, we require:
The year your auto was manufactured, a mileage estimate and the make of the car, model and the body style.
A telephone number to discuss loan options, the zip code to your home and your name.
To live up to our standards, we process loan applications for title loans Prescott Valley rather quickly, so you should be prepared to receive a loan consultation call within a short time after submitting.
Qualifying
At some point during the process, you will be asked to confirm your age, income and vehicle information for collateral purposes. Here is what you’ll need:
Identification Card
Undoubtedly, you’ll have no problems proving you are old enough to take out a loan. All we need is your driver’s license or an Arizona identification card confirming you’re 18.
Income Source
The state of Arizona does not require proof of income to be approved for title loans Prescott Valley. However, in unique circumstances when the equity in an automobile is on the low side, Belden Finance may feel the need to ask about a source of income for making monthly payments.
Clear Title
Loans can only be approved for borrowers that have working vehicles with clear titles. A clear title, also called a lien free title, means that there are no lenders that still have an interest or lien against the vehicle. Liens are normally applied to titles when you initially purchase the car from a lender with a loan. In addition, after paying off the vehicle, the title must list you as the legal vehicle owner.
About Auto Title Loans
Loans Without Credit Checks
In the past, large numbers of folks have been turned down for traditional loans because of their poor credit. Fortunately, we no longer have to rely on credit to process a loan. Instead, you will be asked to provide your vehicle as collateral. This secures the loan, so credit checks are not involved in our loan process.
Driving Vehicles
Surprisingly, there are still some car title lenders that feel the need to impound vehicles while customers are paying on the loan. This does not seem like good business practices, so you have full use of your vehicle whenever you need it.
Repaying Loans
Since much of our business at Belden Finance comes from repeat business, we take the time to work with each individual borrower to listen to your financial needs. It benefits us as well as the borrower to find an ideal repayment plan with the terms and payment amounts you can live with.
Loan Amounts & Interest Rates
Fortunately, secured loans usually allow us to offer higher than normal loan amounts with better interest rates too. This gives the borrower a little bit more spending flexibility with smaller payment amounts.
Spending the Cash
You probably have been asked by banks in the past how you would spend your loan funds, but that isn’t part of our loan criteria. Borrowers will never be asked how they intend to spend their loan funds because that is your personal business.
Securing the Loan
During the loan consultation process, we will explain that your auto title will be needed to secure the loan. This means we will be placing a lien against your vehicle. A lien gives us the right to sell the vehicle if a borrower should fail to make good on the loan. Just as soon as your final loan payment is processed, the lien is removed and the title is returned.
Loan Center Stores
Belden Finance makes it easier to transact business in your community with a local store in Prescott Valley. Our convenient hours and location allow you to stop by anytime you would like to talk with a rep, process a payment, complete an application or pay off a loan.
How Loans Work With Belden Finance
Apply with an online application, in person at a loan store or give us a call.
Look over your instant loan offer to decide if the loan is right for you.
You will work out appropriate loan terms, and you’ll select a reasonable repayment plan with the help of a loan representative on the phone.
Double check that the terms you agreed to on the phone match those in the contract you will sign at the loan store.
We will pay out the loan funds, and you can begin making payments according to your loan repayment schedule.
Alternative title loans Prescott Valley are there when you need them for new purchases, covering bills or keeping the lights on.
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