Title Loans in St. Louis, MO

St. Louis is a vibrant and culturally rich city. However, tax burdens and economic hardships can make unexpected financial needs challenging. These can be particularly trying when you don’t have savings or the credit score to qualify for a traditional bank loan. In such cases, a car title loan may be what you need to save the day. Because of their easy qualification criteria, a vehicle titled in your name and a steady income may be all you need to get vehicle title loans in St. Louis, MO.¹

How Title Loans in St. Louis Work

A ChoiceCash title loan is an installment loan that uses your vehicle’s title as collateral. Once your application is approved, you’ll review and sign the loan agreement, receive the funds and the lender will place a lien on your car’s title.¹ You’ll retain possession of the vehicle and can continue driving it, provided you stay current on your payments. The lender removes the lien when you pay off the loan.

What Are the Benefits of a Choicecash Title Loan in St. Louis?

There are several potential advantages to choosing ChoiceCash over other financing options in St. Louis. For one thing, you do not need a bank account to receive loan funds or to make loan payments. You can also complete the application process online or by phone. Further, you can complete a ChoiceCash car collateral loan application in as little as five minutes, and applications are often approved within an hour.¹ Upon final approval, funds are typically made available within one business day – sometimes sooner.¹

Who Is Eligible for a Choicecash Title Loan in St. Louis?

You must be at least 18 years old to qualify for a vehicle-secured loan in St. Louis.¹ You’ll also need a steady income source. This can be a regular paycheck, self-employment income, a monthly Social Security payment or proceeds from a retirement fund. Money from alimony payments, annuities, disability benefits or any of a number of other sources may also qualify, as long as you can prove they are consistent.

The vehicle you offer as collateral must be titled by the state of Missouri and in your name. It must also have sufficient value to secure the loan. The car’s value depends on its make, model, mileage, age, and condition.

Credit problems are not necessarily a hindrance.¹ While car collateral lenders do look at your credit history, ChoiceCash prioritizes your vehicle’s equity and your ability to make loan payments.

How Much Can I Borrow With a Choicecash Title Loan in St. Louis?

With ChoiceCash, you could qualify for a loan up to a maximum of $15,000. The exact amount offered will depend on the equity you have in the vehicle and your demonstrable ability to make regular payments.¹ With ChoiceCash, you can access any amount within your approved loan range, once you qualify.

What Kind of Documentation Is Needed for a Title Loan in St. Louis?

Paperwork is kept to a minimum to help you get the cash you need fast. A few easily obtainable documents are all you will need to get a ChoiceCash title loan in Missouri. These include:

• Valid government-issued photo ID, such as a driver’s license, ID card, or a passport
• Proof of your St. Louis address, like a current lease agreement in your name, or recent utility bill
• Proof of income, including pay stubs, bank statements and the like
• Photos of your car’s exterior, interior, VIN and odometer reading

Tips for a Successful Title Loan Application in St. Louis

To minimize the amount of time it takes to complete your application, get all of your documents together ahead of time. You’ll also want to set aside a small block of uninterrupted time to complete the short application process. Be certain your photos are sharp and up to date. Help is always available at ChoiceCash when you have questions, phone 855-422-7402 for customer assistance.

How Do You Apply for a Title Loan in St. Louis?

The streamlined process makes applying for the cash you need as straightforward as possible.

• Complete the brief application online, or call 855-422-7402 to apply over the phone¹
• Submit the required documents
• You may be asked to sign a DMV form authorizing a lien to be placed against your title
• Review and sign the loan agreement
• Get your cash

Frequently Asked Questions About Title Loans in St. Louis

1. What are the Potential Risks of Title Loans?
   While auto title loans have helped many people in St. Louis out of financial emergencies, they do carry risks. These may include credit damage as well as vehicle repossession if timely payments aren’t made. Additionally, repeatedly extending the term of a title loan could make paying it off more costly.
2. Can You Get a Title Loan if You are Still Paying Off Your Vehicle?
   It is possible to use your vehicle to support a ChoiceCash vehicle-secured loan even if you still have payments on a car you’ve financed. The key is to have enough equity built up to support the requested loan amount.
3. What Happens if I Cannot Make my Title Loan Payment on Time?
   Contact your lender or loan servicer immediately if you cannot make your loan payment on time, or you know you’ll miss a payment. This is very important. Remember, your car can be sold to help recover the outstanding balance if you default on the loan. However, a number of different hardship options are available with ChoiceCash. These include payment deferrals and due-date changes. We want to help you succeed, so contact us right away if you see trouble brewing on the horizon.

Many Missouri residents, including those in Blue Springs, Saint Joseph and Independence have turned to ChoiceCash car title loans to address unexpected cash needs. A ChoiceCash vehicle-secured loan could be the answer you need when faced with a financial emergency in St. Louis, too.

Apply today to see how a ChoiceCash title loan can help you!