Get the Cash You Need With Title Loans in Las Vegas
Facing an unexpected financial emergency? If you own a vehicle with a clear title, a title loan from On Call Cash can provide you with fast access to cash when you need it most. As a leading title lender serving Las Vegas, Nevada for over 15 years, we understand the value of convenient, flexible financing solutions when life throws you a curveball.
What is a Title Loan and How Does it Work?
A title loan is a short-term loan that uses your car, truck, or motorcycle title as collateral. It is a form of secured loan where the vehicle title is signed over to a lender until the loan is fully repaid. Title loans provide borrowers with quick access to cash ranging from $100 to $100,000 depending on the vehicle’s value.
The Title Loan Process
The title loan process is straightforward:
- You bring your vehicle and required documents to one of our stores
- We assess your vehicle’s value and your ability to repay
- If approved, you’ll provide your clear title as collateral and sign loan documents
- You drive away with your cash in as little as 20 minutes
- Make payments until your loan balance is paid off
- We release your title and you regain ownership of your vehicle
Key Benefits of Title Loans
Title loans offer many advantages traditional loans don’t:
- Fast approval process – know if you’re approved in minutes
- Receive funds instantly – walk out with cash in hand
- All credit types accepted – bad credit is no problem
- Keep driving your car – retain use of your vehicle
- No hidden fees – easy-to-understand terms and pricing
- Flexible terms – extended payment plans available
- Low-interest rates – rates as low as 35.99% APR
- No prepayment penalties – pay off early with no extra fees
- Build your credit – responsible payments are reported
Whether you have good credit, bad credit, or no credit, we can likely approve your loan. The main requirements are that you own a vehicle outright with a clear title, valid ID, and income documentation.
Title Loan Requirements
To qualify for a title loan with On Call Cash, you’ll need to meet the following requirements:
- Nevada residency – must live in NV metro area
- 18+ years old – only legal adults can apply
- Clear vehicle title – can’t have existing liens
- Government ID – driver’s license or ID card
- Non-active military status
- Proof of income – recent pay stubs or bank statements
- Vehicle inspection – we’ll assess your car’s value
- Car, truck, or motorcycle – makes and models welcome
- Ability to repay – we want you to succeed!
We make the application process as easy as possible. You can get pre-approved online or by phone before even visiting a store. We’ll let you know exactly what to bring so you can get your cash fast.
Due to limitations imposed by the Military Lending Act, On Call Cash does not make loans to “covered borrowers,” a term which includes active duty members of the military, their spouses, and their dependents.
Our goal is to provide loans responsibly to set you up for success. We take the time to understand your situation and ensure you can afford the payments.
Interest Rates, Fees, and Loan Terms
Title loans are considered a type of short-term loan, meaning they have shorter repayment periods than long-term loans like mortgages. Our standard Nevada title loans have terms between 3-18 months.
Here are the key financial details you need to know:
- Competitive APR rates
- Loan amounts: $100 – $100,000
- Loan term: 3-18 months
- Fees: Origination fee of $250 (Negotiable)
- Interest: 3% of the loan amount per month
- Payments: Monthly installments
- Prepayment: No penalties for early payoff
Rates, fees, and terms depend on your specific loan amount, term length, and ability to repay. We’re always transparent about the full cost of your loan. There are no hidden fees or surprises.
Our goal is to provide loans with affordable monthly payments that fit comfortably within your budget. We have extended repayment options and won’t pressure you into unfair loan terms.
Avoid Vehicle Repossession With Responsible Borrowing
We understand financial hurdles happen unexpectedly. The last thing we want is for your car to be repossessed. That’s why we take extra care to ensure our applicants can manage their loan payments.
If you ever struggle to make payments, communicate with us immediately. We may be able to modify your payment plan or refinance your loan to lower costs. Our staff is here to help – we want you to repay your loan successfully.
While we make every effort to avoid repossession, your vehicle can be repossessed if you default on your loan. Default means:
- Failing to pay monthly installments
- Avoiding communication with us
- Failing to honor the loan agreement
If we must repossess the vehicle, you have a 30-day grace period after default to repay the loan balance and avoid losing your car. Please reach out right away if you anticipate having any repayment issues.
Compare Title Loans to Alternatives
While title loans offer quick cash, it’s smart to compare your borrowing options:
Title Loans
- Fast approval without credit checks
- Receive high loan amounts
- Costly interest rates
Payday Loans
- Smaller loans up to $500
- Higher interest rates
- The next paycheck is used as collateral
Personal Loans
- Moderate loan amounts
- Lower interest rates
- Credit checks required
Credit Cards
- Revolving credit lines
- Moderate interest rates
- Credit approval required
We encourage weighing the pros and cons of each financial product. Title loans are not the right solution for everyone. Carefully consider your situation to make the best borrowing choice.
Trusted Title Loans in Las Vegas, NV
With over 15 years of serving Nevada, On Call Cash has perfected the title loan experience. Our customers love our:
- Quick and easy online application
- Fast in-store approval process
- Instant access to emergency cash
- Dedicated staff that treats you like family
- Flexible payment options
- Pledge to lend responsibly
We follow all state laws and regulations to provide loans legally and ethically. Your experience with us will be smooth, convenient, and hassle-free.
See for yourself why On Call Cash is the top choice for title loans in Las Vegas! We have locations throughout Las Vegas, ready to serve you across the Valley.
Get the Cash You Need Today!
Are you ready to get the emergency cash you need? On Call Cash offers an easy pre-approval process online or over the phone. Get a loan of up to $100,000 with your car, truck, or motorcycle title!
Your Car, Your Cash! Discover How Much You Can Borrow. Get Started Now!
Don’t let financial challenges bring you down. With On Call Cash title loans, you can get back on track. Let us quickly and conveniently provide access to cash with title loan solutions. Reach out now to start your application!