? Life can be unpredictable. One moment everything’s on track, and the next you might be facing unexpected medical bills or urgent home repairs after a storm. In situations like these, fast access to cash can make all the difference. But not everyone has savings put aside or a handy financial safety net. If your funds are limited and your credit is less than ideal, a ChoiceCash car title loan in Janesville, Wisconsin could be an option to consider.
What Are Title Loans and How Do They Work in Janesville, WI?
ChoiceCash provides fast access to cash in Janesville, WI when it matters most. Since 2019, it has provided installment loans for any personal or household need. The loans are secured by paid-off or nearly paid off cars and trucks.
Because your vehicle secures the loan, the lender will place a lien on the vehicle’s title upon funding. Once the loan is paid off, the lender will release the lien on the title. The primary loan eligibility requirements are a regular income and a vehicle in your name that has enough value to qualify.1
Can I Get a Title Loan in Janesville, WI?
ChoiceCash loans are available in Janesville. To apply, you must be at least 18 years old, reside in Wisconsin, own a vehicle that can serve as collateral, and have verifiable income.
You may be wondering how much you could borrow with a title loan in Janesville, WI. With ChoiceCash, you can get as much as $15,000 – depending on your income, your vehicle’s equity, and the amount still owed on the vehicle. You can borrow any amount you want within your approved loan range.1
How to Apply for Title Loans Online in Janesville, WI
Title loans in Janesville, WI are available without long wait periods and endless paperwork. The process is simple and straightforward – a key ChoiceCash feature.
The Easy Step by Step Process :
- Submit a short pre-qualification questionnaire online. Or, call 855-422-7402 to apply through a loan officer.
- Submit the necessary documents. We limit the required loan documents to make our process as simple and convenient as possible.
- Sign the loan agreement and get your cash. After we verify your documents and you’ve signed the loan agreement, you can get your cash.
What Are the Required Loan Documents?
For a ChoiceCash loan in Janesville, WI, you will need to supply the following documentation:
- A government-issued photo identification, such as a Wisconsin driver’s license
- Proof of your Janesville address (for example utility bills or credit card statements)
- A vehicle title in your name
- A vehicle in your possession that has market value
- Proof of steady income
- Recent, clear photos of your vehicle’s exterior and interior. (An in-person vehicle assessment isn’t necessary)
What Are the Benefits of Applying Online for a Janesville Title Loan?
ChoiceCash makes it easy for Janesville residents to apply for a car title loan. The process is simple, and you can apply completely online – from the comfort of your home.
Forget waiting in a long line or taking your vehicle in for an in-person inspection. In some cases it can take as little as five minutes to finish the ChoiceCash online application. And, it’s possible to be approved in under an hour. If your application is approved, you may receive your funds in one business day – or sooner.1 2
Why Choose Choicecash Title Loans in Janesville, WI?
While you may have other options, there are several advantages to going with a ChoiceCash auto title loan:
- You can keep your car while making payments
- You can get quick access to cash with flexible terms
- Your loan’s interest rate may decrease over time, which lowers your payment2
- There are no hidden fees or surprise balloon payments
- There are no penalties for early loan repayment
- Loans are possible, even with bad credit or prior bankruptcies
- Competitive interest rates, particularly when compared to unsecured options like Payday loans in Janesville, WI
- Excellent customer support and service commitment: Whether you live in Janesville or a nearby city such as Green Bay, Kenosha, or Beloit, you can expect quality customer service throughout the loan process.
Frequently Asked Questions About Title Loans in Janesville, WI
If you’re considering applying for a ChoiceCash loan, you may have questions such as:
- Does the title need to be in my name? Yes, the vehicle title must be in your name.
- Does my car need to be paid off to qualify? Not necessarily. If your car is financed and you only have a few remaining payments, or you are approaching the end of your existing loan term, you can still use your vehicle as collateral.1 And if you have an existing title loan with another lender, you can apply with ChoiceCash to see if you qualify for a lower interest rate or monthly payment.1
- Is it free to submit an application? Yes, there is no fee to apply for a ChoiceCash loan.
There are common misperceptions about ChoiceCash car equity loans, such as:
- You won’t be able to use your car during the repayment period
- You won’t be able to get a vehicle title loan with bad credit
- Social Security, disability, or retirement benefits are unacceptable as loan income
- You need a bank account to obtain your loan proceeds
- You will be penalized for early loan repayment
None of these things are true.
Repayment Options and Choicecash Title Loan Terms Explained
Your ChoiceCash loan is an installment loan, meaning payments are due monthly. You have a variety of ways in which you can repay your vehicle secured loan, including:
- Cash pickup at participating money transfer locations
- Debit card (if deposits are permitted)
- ACH
- Wire
- Check
What to Do if You Can’t Repay Your Auto Title Loan in Janesville
If you default on your loan payments, you’re in danger of losing your vehicle to repossession. If you suspect you won’t be able to make your payment on time, call ChoiceCash right away. Late payments may also result in a late fee and be reported on your credit.
As long as you responsibly manage your loan and keep up with your loan payments, an auto title loan in Janesville can be a good way to access the cash you need.1
Apply online today for a title loan in Janesville, Wisconsin or call 855-422-7402.
The addresses shown below display the nearest participating MoneyGram locations in the general vicinity:
