How it Works
Title Loans: The Process
Call us or fill the form at the top of this page
Find out if your vehicle qualifies
Sign The Forms
Submit all required documents and signatures.
Get Your Cash
Pick up your money at a variety of convenient locations.
You are one step closer to getting the cash you need. Get a Free Quote and see how much you qualify for!
I Need Cash Now makes it easy for you to get a car title loan. We have a team of Loan Officers that are ready to assist you and walk you through the process, and make it as simple as possible for you to get the cash you need.
The process is pretty simple:
- Fill out the Form on the right.
- Speak to a Loan Officer
- Submit the necessary documents
- Get the cash you need!
What is my Minimum and Maximum period of repayment?
Our loans range from 24 months to 44 months repayment period, depending on the specific loan. Best of all, if you choose to pay your loan off early you will pay less interest and there is no pre-payment penalty!
What is the cost of my credit going to be?
The APR for our Gold Program is 35.99% for all qualifying customers, but can be lower depending on your creditworthiness, collateral, and agreed-upon terms. Loan amounts start at $5,500.00 with a term of 24 to 44 months. Most Gold Program loans will be charged an administration fee (origination fee) in an amount ranging from $262.00 up to 5% of the amount financed.
For a typical Gold Program loan of $7,500.00 with a 35.99% APR and a 38 month term, the payment is $333.73 and the total scheduled interest is $4,731.74. The interest on the loan may vary depending upon the timing of the payments made. There is no prepayment penalty. This means that you can pay off your loan at any time without penalty, and you will only be charged interest during the time that you have an outstanding balance. However, the administration fee (origination fee) is not refundable.
How do Car Title Loans Work?
Title loans use the equity in your car and your ability to repay to approve your loan. In order to qualify for a car title loan you need the following:
- Vehicle in good working condition
- Proof of income
- Clean Title
Unlike other companies, INeedCashNow.net lets you keep your car while paying off your loan. Apply today and one of our friendly Loan officers will walk you through the process in detail and the documentation you need to provide. Once the Loan has been approved, you get the cash you need and you keep on driving your car. When you finish paying off your loan, you get the title of your vehicle back. It’s that simple!
What is the APR for iNeedCashNow® Gold Loans?
The APR for the Gold Program is 35.99% APR for all qualifying customers, meeting all necessary criteria as stated below.
When you’re in need of cash, look no further than INeedCashNow.net! Call today and get the cash you need!
Subject to specific underwriting criteria and ability to repay. In order to qualify, customers must have a 600 FICO score or greater. Principal amounts for Gold Loans start at $5,500 or otherwise, based on state minimums. Other restrictions apply. Not all applications will be approved.