Frequently Asked Questions

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Find answers to our most frequently asked questions below! If you wish to get a loan now, click on the button on the right.

What is a Title Loan?

On Call Cash makes the lending process simple, and it only takes 20 minutes to get the cash you need. Here’s what you do…

  1. Bring your vehicle and lien-free vehicle title to On Call Cash.
  2. Fill out an application while On Call Cash does a quick vehicle appraisal.
  3. On Call Cash will determine an amount based upon your need and the appraised value of your vehicle.
  4. Upon approval, you will receive the money you need and retain the use of your car.
  5. Once you pay off your account balance, you get your title back.

What is a Payday Loan?

A payday loan is a loan that allows a customer to receive cash from a lender, usually for a short period of time using their job as their credit.

Where Can I Get A Loan?

There are plenty of lenders out there, but before you can decided where you should get a loan, you must ask yourself “What type of loan is best for me?”. That can be answered by figuring out how much you need and how much time you will need to pay it back. Once determined, you’ll be much more equipped to decide what type of loan you want.

Aren’t Loan Interest Rates Considered High?

Not with On Call Cash. While some payday and title lenders do charge high interest rates, On Call Cash charges very competitive interest rates, and will develop a personalized payment plan that’s manageable for your lifestyle.

How do I make money with my car title?

With traditional bank loans, your credit history serves as your collateral and determines how much money you can get from a loan. At On Call Cash, we use your job or the title to your car as your collateral, rather than your credit history. For a title loan, a vehicle and the title are required to be approved for a loan. Then, once you repay the loan, you get your car title back. A car title loan is a simple way to get the cash you need.

What is a lien-free car title?

A lien-free car title means that you own your car outright, with no outstanding loans or judgments against it. You need to have a lien-free car title to get a title loan from On Call Cash.

How much cash can I get with On Call Cash?

You can get up to $100,000! The loan amount is based upon your need and the value of your vehicle appraisal.

Why Acquire Funds From A Title Lender?

Getting a title loan is a lot easier than borrowing money from other sources. A title loan enables you to acquire the cash you need based on the value of your car. The best part is you get to keep driving your car during the course of the loan. You may have enough money to get by, but need some extra funds for something special, or maybe you had a rough month and need some cash now to hold you over until your next pay day. Regardless, On Cash Call is the easiest, quickest way to get cash fast.

Why is On Call Cash a great option for getting a loan?

On Call Cash always offers its customers the most cash possible with competitive interest rates. Additionally, On Call Cash has been a trusted consumer lender for over 10 years, helping thousands of people get cash when they need it. At On Call Cash, you never have to worry about having perfect credit and you get your cash in minutes. Getting a payday loan or title loan is fast and simple with On Call Cash!

How Does The Lending Process Work For A Title Loan?

On Call Cash makes the lending process simple, and it only takes 20 minutes to get the cash you need. Here’s what you do…

  1. Bring your vehicle and lien-free vehicle title to On Call Cash.
  2. Fill out an application while On Call Cash does a quick vehicle appraisal.
  3. On Call Cash will determine an amount based upon your need and the appraised value of your vehicle.
  4. Upon approval, you will receive the money you need and retain the use of your car.
  5. Once you pay off your account balance, you get your title back.

How Long Does It Take To Get Approved For A Loan?

With On Call Cash, you can get the cash you need in as little as 20 minutes. Make sure you bring the required items when you apply for your loan and you’ll have the cash you need before you know it.

How Can I Apply For A Loan?

Applying for a loan is easy. You can apply online or at one of our three convenient locations.

Who Can Receive a Payday Loan?

Anyone with an active checking account and a full time job can receive a payday loan. Usually, a customer with these requirements can receive funds they need in minutes.

Can I only apply for a title loan at On Call Cash Locations?

Yes. You can apply for a title loan at any one of our 3 locations or you can apply online here for a title loan.

How do I know my personal information is safe with On Call Cash?

On Call Cash has been a trusted consumer lender for over 10 years and goes to extreme measures to keep our customers’ personal information safe. Your information is as safe as it can be with On Call Cash.

Do I need to have a job to be approved for a title loan?

A title loan is a quick and convenient way for people who own their car to get cash. Getting a title loan is simple, as long as you own your car or truck and its a lien-free title, you can use it as collateral to get the cash you need from On Call Cash. We have 3 convenient locations to choose from.

What if I have bad credit? Am I still eligible for a title loan?

Absolutely! We accept all credit types. On Call Cash can approve you for a title loan whether you have perfect credit or no credit at all. Your credit score is not affected by applying and obtaining a title loan with On Call Cash.

Can I get a title loan? What’s required to be approved?

To be approved for a title loan with On Call Cash, you must be at least 18 years old and have the following:

  • Car that’s paid off
  • Lien-free car title
  • A government-issued ID
  • On Call Cash accepts all types of credit

Does the title have to be in my name?

Yes, the car title must have you listed as the legal owner to be eligible for a title loan with On Call Cash. If you are listed on the title along with another person, call the location nearest you to determine whether or not the other person listed on the title has to apply along with you.

How do I know if I will be approved for a title loan?

The best way to know if you will be approved for a title loan is to apply online or to stop into your nearest On Call Cash with the required items. On Call Cash will do a quick vehicle appraisal, and in about 15 minutes you’ll know exactly how much cash you’ve been approved for.

What if I already have a title loan with another company?

On Call Cash wants to help you no matter what your situation. That’s why in most cases we can refinance any title loan you already have with a lower rate and use On Call Cash title loan to pay off your existing title loan. Visit us now and start saving money today!

Can I get a loan without a bank account?

Yes! It’s actually quite simple to get a loan even if you don’t have a bank account. You can still get the money you need from a non-traditional loan. It comes down to knowing the various types of loans and options.

How can I get money with bad credit?

If you have bad credit and you’re looking for a way to get money, we can help. At On Call Cash, the value of your car title replaces the need for a good credit history; therefore, we can put the money you need in your hand regardless of your credit score.

How can I get a loan after bankruptcy?

Although your financial options are limited after bankruptcy, it is still possible to get a loan. A title loan with On Call Cash may be a great way to get you back on your feet. We’ve put together some valuable information to help you understand your loan options and what your next steps should be.

How do I pay my loan?

On Call Cash makes the lending process simple, and it only takes 20 minutes to get the cash you need. Here’s what you do…

  1. Bring your vehicle and lien-free vehicle title to On Call Cash.
  2. Fill out an application while On Call Cash does a quick vehicle appraisal.
  3. On Call Cash will determine an amount based upon your need and the appraised value of your vehicle.
  4. Upon approval, you will receive the money you need and retain the use of your car.
  5. Once you pay off your account balance, you get your title back.

Is there a pre-payment penalty?

On Call Cash does not charge a pre-payment penalty. In fact, we encourage customers to pay off their title loans sooner if possible.

How do I get my title back?

On Call Cash will return your title after you pay the full amount due on your account.

Can I get a loan if I have a lot of debt or credit card bills?

On Call Cash makes the lending process simple, and it only takes 20 minutes to get the cash you need. Here’s what you do…

  1. Bring your vehicle and lien-free vehicle title to On Call Cash.
  2. Fill out an application while On Call Cash does a quick vehicle appraisal.
  3. On Call Cash will determine an amount based upon your need and the appraised value of your vehicle.
  4. Upon approval, you will receive the money you need and retain the use of your car.
  5. Once you pay off your account balance, you get your title back.

Can I get a loan with a low FICO score?

Good News! At On Call Cash, the value of your car title replaces the need for a good credit history; therefore, we can put the money you need in your hand regardless of your credit score.

However, many lenders do require a credit check to see your credit history and your credit score. Your FICO score is calculated according to your credit history. One misconception is that FICO is the exclusive credit scoring system. There are many credit scoring models. FICO is one of them.

In the 1980’s, the Fair Isaac Corporation (FICO) set up the first general purpose credit scoring system based on credit bureau information in order to help standardize credit scores. It has since become known as the FICO score and the algorithm has been widely adopted in America. Other models include Vantage. Each credit bureau has its own system for scoring as well. The three major credit bureaus are Equifax, Transunion and Experian.

If you need cash quickly or as fast as today and your credit score is not accepted by other lenders,
On Call Cash has more options to help. Get started today! Here are the simple steps:

  • Apply online
  • You and your customer service representative will decide on the amount of your loan
  • You take your cash and go along with your day!
  • Keep driving your car throughout the entire duration of your loan

Can I get a loan with bad credit?

Yes. We accept all credit types. On Call Cash can help you with your emergency financial needs with a title loan or payday loan. Whether you have good credit or not. We help people get the cash they need. Applying for a title loan and getting a title loan with On Call Cash will not hurt your credit score.