Los Angeles's Hassle Free Car Title Loans!
Hassle free when you need fast cash for those unexpected emergencies
Los Angeles's Hassle Free Car Title Loans!
Hassle free when you need fast cash for those unexpected emergencies
No matter how much you try to plan ahead or put money aside for emergencies, life has a way of catching you off guard every now and then. Even those of us who do our best to be financially responsible and stay ready for anything can be put in a situation in which we need to get our hands on a lot of cash in a short period of time. In such cases, the best answer is often a car title loan. It doesn’t matter why you need the money; an auto title loan allows you to take out a loan in less than a day. If you’re in Los Angeles or anywhere in the surrounding area, Windsor Quick Funding is the best place to go for an auto title. We’ll work to get the money you need in your hands as soon as possible.
What’s Great About Car Title Loans?
Quick as can be!
Car title loans are so useful in large part because they are so fast to process. Lenders like Windsor Quick Funding offer same-day service so that the same day you apply for the loan is usually the same day you get your money. With traditional banks and credit unions, applying for a loan is going to take at least a few days. These places are going to put you through the wringer so they can determine if you’re worthy of receiving a loan from them or not. In the end, they may decide not to give you the money. Meanwhile, you’re just sitting around waiting and wasting time you don’t have. Let’s face it – sometimes, you need money right away. That means you need it now, not in 24 or 48 hours or next week. If you don’t have that kind of time to wait to get a lump sum of cash, a car title loan is going to be the fastest and most efficient way to get the money you need.
Using your car as the collateral
Most people don’t realize that their car can be the perfect form of collateral. Assuming it’s paid off (or is at least close), it’s a valuable asset that you can use as a form of credit, which is the essence of a vehicle title loan. There’s no sense is taking out a second mortgage or risking any of your other assets if your car is enough collateral to get the money you need. As long as your car is free of any liens and valued at $5,000 or more, it becomes the perfect collateral for a title loan from Windsor Quick Funding. All you have to do is sign over the title of the loan in exchange for the money you need. When you’re finished paying off the loan, you’ll get the title back. It may be the simplest loan exchange you’ll ever experience.
Bad credit is not a problem!
So many times, people with bad credit think that they won’t be eligible to get any kind of legitimate loan, at least not without getting slapped with huge interest rates. But that’s another area that distinguishes car title loans from other forms of credit. Taking out a vehicle title loan doesn’t require a credit check. In fact, most lenders like Windsor Quick Funding aren’t going to waste time running one. Your credit score is a non-factor when it comes to this kind of loan. The only two things that matter for an auto title loan are the value of your car and your ability to pay it back. Assuming your car is worth a few thousand dollars and you can prove you have a steady income from a job, unemployment benefits, disability payments, or a retirement pension, there’s no reason to think that you can’t get a car title loan. When it comes to this type of loan, any financial mistakes or credit blunders from your past are wiped clean. They won’t stop you from getting an auto title loan.
Don’t give up your keys
In addition to getting the money you need right away, the other significant benefit of an auto title loan is that you get to maintain full use of your car. Just because you give up your title in order to get the loan doesn’t mean Windsor Quick Funding is going to ask you for your keys. We would never do that to our customers, and it’s not the way vehicle title loans work. During the time that you’re paying back the loan, you will still be able to use your car as if nothing has changed. You’ll be free to drive around Los Angeles and anywhere else you need to go. You won’t have your car’s title, but it’ll be business as usual concerning your vehicle. On top of that, you’ll have the money you needed, so it’s a win-win.
Keeping it Easy at Windsor Quick Funding Los Angeles
At Windsor Quick Funding, we like to think of ourselves as a no-nonsense company. We want the auto title loan process to be as easy as possible for our customers. That’s why we don’t waste time by running a credit check or waiting for you to cut a check for an application fee the way some of our competitors do. We know that you’re probably in a tight spot, so we want to help you without a lot of fuss. We always aim to treat our customers as if they’re a king or queen. We understand that you need the money and that you don’t have a lot of time to waste, so we put all of the other stuff to the side and focus on helping you.
Getting Your Money
When you take out an auto title loan from Windsor Quick Funding, the amount of money you get will be unique to your situation. Most of our customers receive between $2,600 and $50,000, but we know that no two customers are the same, which is why we treat everyone who walks through our doors like an individual. We’ll look at how much money you need, the value of your car, and your ability to repay the loan based on your income. Those are the only three details that matter to us, nothing else. Based on that information, we’ll do our best to solve your financial quandary. As long as your car has a wholesale value of at least $5,000, we’ll find a way to get you set up with a car title loan and show you the money.
Keeping Interest Rates Low
You may have heard that auto title loans often come with high-interest rates. But at Windsor Quick Funding, we don’t think it always has to be like that. We don’t want to compound any financial trouble our customers are having by giving them an unfairly high-interest rate on their car title loan. No matter your situation, we always try to make sure we offer you a loan with an interest rate that’s lower than what’s being offered by any of our competitors in the Los Angeles area. Keeping our interest rates low is just something that goes hand in hand with treating our customers like royalty.
Fast Processing at Windsor Quick Funding
As mentioned, Windsor Quick Funding is all about making the title loan process as simple and easy as possible. That’s why we have a quick, 3-step process for handing out car title loans to our Los Angeles customers. The first step is when you give us a call or stop into one of our Los Angeles area locations. Either way, our friendly staff members will ask you a few questions so we can learn about the value of your car, how much money you need, and your income. After a few quick questions, we’ll be able to give you a free quote.
If you like the quote we give you, the second step in the process is taking care of a few housekeeping items. We just need a few things to confirm your primary source of income and double check that there are no existing liens on your car. Assuming all of that checks out, the third step is handing over the money you need. You’ll sign your vehicle’s title over to us and we’ll hand over the money you need. In total, the 3-step process should take less than an hour. Before you know it, you’ll be walking out of our offices with cash in one pocket and your car keys in the other.
At Windsor Quick Funding, we pride ourselves in being solution providers. We enjoy being able to go the extra mile or think outside the box for all of our Los Angeles area customers. If there’s a minor problem anywhere along the 3-step process, we want to fix it. For example, many people assume that if their vehicle isn’t fully paid off that it can’t be used to get a car title loan. However, this isn’t always true. There have been many times that we’ve been able to pay off the remaining balance on a vehicle so that it can then be used to get a car title loan. Other customers worry that if they’ve lost or misplaced their car’s title that they can’t get a loan. But you’d be surprised at how easily we’re able to work around that problem. If you think there’s a reason why you won’t be able to take out a title loan, just tell us about your situation so we can find a way to help you. Our experts embrace the challenge of thinking outside the box to find a solution to a problem and help out a customer who didn’t know they could get a loan.
Pay Back on Your Schedule!
Take Your Time
If there’s one thing we know about our customers at Windsor Quick Funding, it’s that they are usually in a tough position financially even after we set them up with a car title loan. For that reason, we don’t like pushing our customers to pay us back right away. This is one area where car title loans differ from payday loans and other types of quick-money transactions. We always like to work with our customers to figure out a payment plan that works for them. For example, we allow up to 36 months to repay the full loan, so if you borrowed a lot, you don’t have to worry about coming up with all of it in a short period of time.
Our customer service representatives will also work with you to make sure that your monthly payment is something that you can fit into your budget. We don’t want your monthly loan payments to become a burden for you and your family. Instead of just telling you what your payment schedule is going to be, we want to do our best to accommodate you when it comes to what day of the month your payment is due and how much you’re able to afford every month. It’s our way of allowing you to take your time and pay us back on your schedule.
No Extra Fees
So many lenders try to sneak in extra fees when they give out loans to pad their bottom line. However, Windsor Quick Funding isn’t particularly fond of this practice. That’s why we don’t charge you an application fee, and it’s why we’re not going to charge you a fee if you want to pay us back ahead of schedule. Can you believe that some places punish you for returning their money early? That doesn’t make sense to us, and so you never have to worry about that when you get an auto title loan from Windsor Quick Funding. If you want to pay a little extra each month to work down the balance, that’s fine with us. If you’re able to pay off the entire loan a little sooner than expected, we’ll be happy for you instead of trying to charge you a fee.
Flexible Payment Methods
In our business, we’ve found that some lenders are particular about how their customers make payments. At Windsor Quick Funding, we like to remain flexible and have our customers pay us back in whatever method is the most comfortable for them. The traditional method of sending in a check or money order once a month works fine for us. But if you want to drop by one of our Los Angeles offices and make a cash payment in person, we don’t have a problem with that either. We’re also set up to receive online payments if that’s easiest for you. We can even process a debit payment over the phone if you want to give us a call once a month and make your payment that way. To us, it’s all the same, so like to be flexible and do whatever can to make it easier for you to keep up with your payment plan.
World-Class Customer Service
Honesty is always the best policy in any walk of life, and car title loans are no exception. Our professional representatives will always be honest with our customers. It starts with listening to you explain your situation and what you need and then giving you an accurate assessment on whether or not we think you’ll benefit from an auto title loan. The last thing we want to do is push you toward a vehicle title loan if it’s not your best option. If we think a title loan can help you, we’ll be more than happy to follow through with the application process. But if we believe you should explore other options first, we’ll let you know. We want everyone who walks into our offices to know that we’re always going to be honest with them and look out for their best interest.
Answer All Your Questions
While we try to make the loan process fast and easy, by no means do we want to rush our customers through it. Our customer service representatives will be happy to walk you through the process of an auto title loan so you know exactly what to expect every step of the way. It’s important that you understand what you’re getting into before you hand over your car’s title. We will be patient with you and answer any and all questions you have until you’re completely comfortable with the loan process. Taking out a car title loan for the first time, like anything new, can become a little confusing or overwhelming. That’s why we make sure you leave no stone unturned and have no question that goes unanswered before any agreement is finalized.
Anticipating Your Questions
What Documentation Do I Need for a Car Title Loan?
At Windsor Quick Funding, we ask for just a handful of items in order to process an auto title loan application. Most of them are common items that won’t find you long to locate in your home to show us. For example, we ask for a copy of your driver’s license and social security card, as well as a proof of residence, which most likely comes in the form of a recent utility bill. Naturally, you will need to provide your car’s title, as well as its registration. We will also ask to see proof that you have auto insurance. Finally, we need proof of income so we know that you’ll be able to pay back the loan in due time. This could be your two most recent pay stubs or two recent bank statements. Anything that shows that you have a steady source of income, regardless of the source, will usually suffice. Once we’ve had a look at each of these items, we can give you the money you need.
How Do I Know My Car is Acceptable Collateral?
A lot of people worry about whether or not their car will be accepted as a form of collateral in an auto title line. However, most people don’t have to worry too much, especially if they come to Windsor Quick Funding because we like to keep things simple. If your car has no existing liens and is worth at least $5,000, you will be able to use it to get an auto title loan. Other lenders will sometimes look at the age of the car and how many miles are on it when making their decision. Obviously, these things will have an impact on the value, but we don’t worry about them as much as the total value of the car. As long as the value is at least $5,000 and there are no lien concerns, we’ll proceed with the loan.
What Happens if I Miss a Payment?
We don’t suggest that you miss a payment on your car title loan (or any other loan, really). However, we understand that these things can happen sometimes. Typically, the payment you missed will “rollover” to the next month and a little extra interest will build up because you didn’t pay down the balance on schedule. Obviously, you don’t want to make a habit of this happening because you’ll only end up paying more money when all is said and done. We don’t want that to happen to that to you any more than you do. That’s why we allow our customers up to 36 months to pay off the loan and do our best to set them up with a payment plan that will hopefully fit their budget. The bottom line is that if you miss a payment, you should try to catch up and get back on track as soon as possible. But if it happens once, it’s not the end of the world.
Things to Know While Repaying Auto Title Loans
Keep Up on Your Car Insurance
It’s important to remember that you must continue to have auto insurance while you’re repaying the loan. That’s why we ask to see proof of insurance before we finalize the loan. Remember, after getting your car title loan, you’ll still be able to use your car as if nothing has changed. Since Windsor Quick Funding will technically have your vehicle’s title, we want to make sure the car is insured. If you stop paying your insurance and your coverage is dropped while you’re paying off the loan, there will be big trouble if you get into an accident, even if it’s not your fault. From our perspective, we can’t have your car on the road if it’s not insured. That’s why you need to keep up to date on your insurance payments, even if your vehicle’s title is out of your possession.
Stay in Communication
While you’re paying back your loan, it’s usually best to maintain regular communication with your Windsor Quick Funding representative, especially if your financial situation changes or you think you’ll have a problem making a payment. As mentioned, we always try to put you on a payment plan that fits your budget. But we still understand that things pop up out of the blue that can change your situation. If you think you’re going to miss a payment or you’re no longer sure you’ll be able to pay back the full balance, please tell us. If you let us know what’s going on, there may be a way we can sort out the problem in a way that doesn’t end with your car being repossessed because you didn’t pay back the loan. Remember, we’re always trying to put the well-being of our customers first, so if you’re upfront with us about what’s going on, we should be able to work out a fair solution to any problem.
Always Avoid Repossession
The one goal you should always have when paying back a car title loan is preventing your car from being repossessed. You should be trying to prevent this at all costs; otherwise, you’ll be left without your vehicle. If you’re keeping up with regular payments, this won’t be a problem. However, if you miss one or two payments, you’ll find yourself on a slippery slope. This is why you want to tell Windsor Quick Funding about your situation before you start falling behind on your payment plan.
One option to be aware of if you fall behind is volunteering to give your car back to us. Obviously, this is not ideal. However, a voluntary surrender won’t hurt your credit score as much as defaulting on an auto title loan and having your car repossessed. You’ll also want to surrender the car before the extra interest piles up and you owe even more on the loan. Keep in mind that if we sell the car for more than what you owe on it, you’ll get the difference, so you’ll walk away with something. But if you wait too long to surrender the car, the late fees and interest will probably accumulate to the point that the sale of the car won’t cover what you still owe. In the end, you should always tell us what’s going on and always avoid your car being repossessed at all costs.