Archive for February, 2012
Title Loan A car title loan, or simply title loan, is a loan where the borrower provides their car title as collateral for a loan.
GET THE CASH YOU NEED — AND KEEP YOUR CAR!
At UTAH MONEY STORE you can borrow the cash you need and keep your car. Your car’s title is the only collateral, not your vehicle. With UTAH MONEY STORE’s affordable Car Title Loans, YOU choose your payment plan. Your payments can include Principal and Interest so you will know exactly how long you will have the loan,
Bad Credit – No problem
Lost title – No problem
Payment options – Interest Only or Principal and Interest payments.
We will beat ANY competitors interest rates GUARANTEED.
Free GIFT ($ 1,000 or more 1st time loan and 60 day term.)
BAD CREDIT IS OKAY
You can borrow money at UTAH MONEY STORE even if you have bad credit—even a prior bankruptcy.
ATV’s, MOTORCYCLES, & TRAILERS
We also provide ATV loans, motorcycle loans, recreational vehicle loans, etc.
However, we ask that they are to be left with us along with your title for the duration of the loan.
How The Car Title Loan Process Works
Getting a vehicle title loan is easy! We have streamlined the process to ensure that your title loan experience is quick and enjoyable. The entire process includes only three easy steps and you can have money in your hands as fast as today! It’s easy to qualify for a title loan because you are using the equity you have already in your vehicle to secure a loan now. You are not selling your car to us, you’re simply using the vehicle’s value as security for a loan. A title loan is much more afforadable than a pay day loan. Typically interest will be Half of what a pay day loan is.
STEP ONE – APPLY
Fill out an application. In just a few minutes you will have the information finished so that we can make a decision on how much we can lend you today. Dont worry about your past credit. We understand and offer personal loans to people with bad credit every day.
STEP TWO – EASY PAPERWORK
Nothing hard–only simple things like a copy of your drivers license. The list is short and you can finish this step in under 30 minutes. Just bring or fax us what we need and we’ll get to work immediately for you!
STEP THREE – RECEIVING YOUR MONEY!
After arriving at one of our convenient locations you will be greeted by a professional auto title loan processor. They will be ready and waiting to help you in finalizing your loan. One of our staff will take a look at your vehicle, explain your loan documents, and hand you money. It all takes only about 15 minutes and then you’re on your way. Its just that easy.
Why not get started immediately? Call now to get your car title loan started and get your loan fast! It is that simple. What are you waiting for? Call now!
SANDY, UT (801) 748-1175
PROVO, UT (801) 373-2274
SPANISH FORK, UT (801) 798-1300
DO I QUALIFY?
UTAH MONEY STORE will tailor a loan to meet your induvidual needs. You may qualify to borrow up to 50% of the wholesale value of your vehicle if you answer yes to the following questions even with bad credit…
Are you employed and/or have a stable income?
Are you at least 21 years old
Do you have a valid Utah Drivers License?
Is the title in your name?
Is your vehicle paid off?
Is your vehicle in good running condition?
Is it free of major body damage?
If you answered YES? Then you may qualify for a loan from UTAH MONEY STORE!
The private party auto loans are very similar to dealer auto loans. There are only basic differences between these two types. When a person arrives at dealership, everything is right before him during the sale purpose. Purchasing a new or used auto from a private owner needs one to go through all the steps independently. Below given article will explain the difference between a private party auto loan and a dealer loan.
Interest Rates
The interest rate can differ from 1-2% higher. It also depends on the payment history, whether a person has a cosigner or not, his personal credit score and it also include all the items like the length of the employment and income level. The higher the credit score, the lower would be the interest rate offered.
If a person can easily get approval for a dealer loan, than for him a private party auto loan is easy.
Length of Loan
A dealer loan is usually 72 month loan whereas a private party auto loan is no longer than 48 months, with this short term and high interest rates, the monthly payments is higher than a dealer loan but actually one would be paying less interest rate overall for the auto finance. If any one can afford high monthly payments than its good for him to select a short term loan because the interest rate on those term would less.
Down Payment
It’s not necessary that one should have a down payment while availing private party auto loan, even auto loans with no down payment will do.
Usually dealers ask one to place some amount of down payment on the new vehicles unless one has outstanding credit score. With private party auto loans, down payments are not necessary but they are always recommended. It’s a good practice to keep 20% amount as down payment on the total price of the auto loan. This will reduce the loan amount of the car and it will reduce the overall loan amount.
Tax, Tag and Title
One needs to pay for and apply for the title, tax and tag for the auto. This cost is not included in the private party car loans. A dealer loan has the ability to roll all these additional cost in the loan amount. A private party car loan is just for the car price only and nothing more can figure nor will it be figured into the loan price. Thus one should be prepared to cover the additional upfront cost.
Applying for the private party car loan has it own benefits. One would receive a good price on his used car, save money on interest by having an option to choose the terms and one would also be able to own his vehicle fast. If a person is in the market for a car, than this private party car loan will serve him well to look at the private owner section and even the dealer section for future car. The good benefits of person-to-person auto loan sales is that, no brokers or 3rd party dealers involved who includes their commission or brokering charge. Another good benefit is that, you interact with the real owners instead of auto dealer, which makes access with first hand information about vehicle performance, history and other aspects like maintenance, insurance, any previous accident history, etc.
Private party auto loans are similar to the auto financing but there are few differences which are to be consider, in private seller auto loans the interest rate might be high and the length of the loan is usually no more than 48 months.
At time, we get caught in such an urgent situation in which we need money instantly. During this trying time you don’t even have time to ask for money even to your relatives or friends. In this situation we come to help you get out of the trying time. We at payday loans no checking account help you borrow fast payday loans to meet your most urgent needs. So apply now to borrow loans in next few moments.
We are a specialized service provider that deals exclusively with fast loans. It is because of this inline experience we help you borrow loans at low cost and flexible terms. Moreover our application process is very simple, easy, convenient and fast.
Through fast payday loans we help you borrow an amount between $ 100 and $ 1500.
However, the actual amount also depends upon your needs as well as your repayment capacity. It is due to this reason, lenders ask you to have a steady source of income. Because a permanent source of income indicates that you have the financial capacity to repay the borrowed money. You get a time of 2 weeks to 4 weeks to repay this loan. Moreover since these are short term loans, we help you borrow these loans as collateral free loans. Therefore you don’t need to bother about arranging any security against the loans borrowed.
In order to borrow these loans, you must meet the basic conditions prescribed by lenders. Accordingly,
You need to be citizen of US
Your age should be over 18 years.
You must have a steady source of income.
You need a valid bank account
Arrears, defaults, low credit scores, bankruptcy, doesn’t matter to us .you can feel free to apply for fast pay day loans with us despite your bad credit profile.
Besides, we have eliminated the need of irrelevant and tedious application process and faxing of multiple documents.
So why to wait when you are facing financial shortage? Apply now to payday loans no checking account through our online application form to get money into your account in next few moments.
There are many types of mortgage calculators available on the internet. Mortgage calculators are definitely the consequence of innovations. They are also the by-product of the growing competition in the house loan sector. In the course of earlier times, borrowers who’re purchasing loans had no access to the monetary figures involved in the mortgage loan. Without access, they simply had no way to estimate the amount their loan product would be. They had to rely exclusively on their house loan broker. In a nutshell, they had fewer options.
As time passed, the enterprise of brokering expanded. The quantity of house loan brokers amplified and delivered balanced market competition. Mortgage loan brokers had to discover ways to attract customers and obtain a larger share of the market. As a result, consumers benefited from better services. And to further make the home loan process more convenient for consumers, home loan brokers came up with the idea to offer people access to the numbers and details included in the mortgage process.
Mortgage calculators were developed.
One of the most common mortgage calculator on the web is referred to as the mortgage repayment calculator, which is a very handy software application that allows customers to have an estimate of just how much their mortgage loan repayments can be.
Still, loan repayment calculators are effective since they offer people a chance to by some means understand how the mortgage loan process works, how much your interest rates are going to be, as well as the period of the home loan and its impact on their particular house loan repayments. Also, they are super easy to use. All shoppers ought to do is enter the starting amount of the loan, the rate of interest along with the mortgage loan’s term. After all the necessary fields are accomplished, the loan repayment calculator will begin processing the calculated amount of repayments.
Despite the advantage of having a loan repayment calculator, keep in mind that the outcome of deploying it is absolutely nothing but an approximation. The specific repayment sum will depend on the factors you’ll offer. It will likewise vary per mortgage lender, since lenders have various circumstances and requirements. You should contact your lender after utilizing a loan repayment calculator to substantiate the results you’ve got.
Prior to deciding on a mortgage loan, you have to just be sure you read all of the lender’s conditions and terms. Your broker will support you in finding a house loan designed to meet your requirements.
When getting an auto loan, there are things to consider that may help you to get a better deal. For example, auto insurances, down payments, payment penalties, quotes, and credit scores. Lots of times when people think if getting a better deal, they think of their credit and how they can use their credit to get a lower interest rate, but there are other things to consider besides how good your credit is (although that is also very important).
When thinking about getting an auto loan, one of the things you should look at is how much of a down payment you can put down. Many people do a small down payment since it seems easier, and it frees up more money at the moment without having to pay so much all at once. The truth is, however, that the larger of a down payment you put down, the less interest you will pay overall, and the sooner you will own your vehicle.
If you pay a small down payment, chances are great that you will owe more on your car than what it is worth since cars depreciate in value.
You may also want to look into getting auto insurance because not only will it protect you financially if something were to happen, but lots of times you can get a lower interest rate if you get auto insurance since the lenders will feel more comfortable knowing that with insurance, if something awful were to happen, you would still most likely be able to pay back the loan. Saving interest over the long run may also more than make up for the cost of insurance. Not bad for having the peace of mind that if something happens, you will be covered financially.
When considering auto loans, it is also very important to get many quotes so that you have many comparisons and will therefore have more choices and options, and your chances of finding the best deal possible will increase.
Be sure to read the small print carefully to know about the penalties. For example, if you pay the loan off early, will you be penalized? It is also wise, if you can, to make sure you have a good credit score before getting the loan. If you don’t, it would be ideal to take the time to fix it.
See about your options for getting auto loans today!