Bales Car Title Loans

It is amazing how so many things revolve around credit ratings these days. For instance, you can’t hardly apply for a new job, rent an apartment, get automobile insurance or apply for traditional bank loans without a credit check. Fortunately, you can get a car title loan without worrying about credit. New alternative loans like title loans Joliet don’t require perfect credit scores. Basically, all you need is a vehicle that runs and a clear title to your vehicle. What’s more, you can use your loan funds to buy groceries, make credit card payments, pay for school books or anything else that comes up. Our streamlined process provides a convenient way to apply, easy qualifying and fast approval and pays out all within a day. It’s no wonder that more people than ever before are checking into the benefits of car title loans by Bales Car Title Loans.

Applying for Vehicle Title Loans


Short & Quick Application

If you have ever applied for a loan with a bank, you may assume title loan applications are just as long and complicated. However, that is far from the truth. Our applications only ask for the minimum amount of information to start the loan process. On average, most applicants take no more than five minutes to complete an application.


Checklist for Qualifying

You’ll be pleased to learn that we only have a few requirements to qualify, and most people can easily meet all the requirements with no problems at all. Listed below is what you’ll need for loan approval.

• Income to Make Your Payments

Most folks easily meet this requirement because they are already receiving some income from a part-time or full-time job. Even if you are retired, you probably have Social Security or pension income.

Some folks even qualify on government benefits like disability or unemployment benefits. If you have any concerns about your income, you’ll have the opportunity to speak with a loan representative about it during your free loan consultation.

•Identification Card

(Driver’s License or State Identification Card) Just to confirm your identity and that you are at least 18, we’ll need to see your identification.

• Clear Title

Car titles are a requirement for obtaining title loans Joliet. To meet this requirement, the title must be your name and should not list any lien holders.

• Working Vehicle

There is a good chance you are already driving your vehicle to and from work, so meeting this requirement is easy.


Filling out an Application Form

Applications can be accepted over the phone or at a local loan center store near you. Most people just prefer to fill out our convenient online application from home. To fill out an application, you’ll need the following information:

• Your first and last name, telephone number and zip code.

• A mileage estimate for the vehicle you intend to submit as collateral and the make, model, body style and age.

Helpful Tips About Title Loans Joliet



Customer Services

Bales Car Title Loans makes every effort to provide top-notch services to customers with convenient loan center store locations in Joliet. We’re here to answer questions and provide a pleasant loan experience.


Loan Funds

We don’t have the same type of loan requirements that banks use. If you want to use your loan funds to take a vacation, pay for college tuition or cover your rent that’s fine by us. Borrowers choose when and how they’ll spend their money.


Simple Application Process

Bales Car Title Loans only asks for eight pieces of information on our short application in comparison to banks, which have lengthy application forms. Our applications are short and can generally be completed within a few minutes.


Vehicles

We realize how important it is for our customers to have access to their vehicles to earn a living. So, you are free to continue using your vehicle as you always have even though you are carrying a loan using your vehicle as collateral.


Bad Credit

Since loans are secured using the vehicle's title, customers don’t need to be concerned about being disqualified for a loan because of poor credit scores or credit histories.


State Regulations

Vehicle titles loans are legal in Illinois when offered by licensed title lenders. Regulations are in place to protect consumers. Consequently, contracts must be written to meet state regulations. Agreements must include loan terms, total loan amounts, the agreed upon interest rate, the cost of the interest, applicable fees and payment amounts. Approved borrowers have the right to read through their contracts and clarify anything they are unsure of with the title lender.


Upfront Loan Estimates

You won’t find many lenders that take the initiative to provide applicants with upfront loan estimates. However, we feel that applicants should know as soon as possible how much money they could qualify for, so they have time to decide if they wish to continue with the loan process.


Loan Amounts

State title loan regulations in Illinois allow title lenders to lend a consumer as much as $4,000. Depending upon the value of your vehicle and your income, you could be offered a few hundred dollars or several thousand.


Collateral

Offering collateral on car title loans benefits customers in two ways. Secured loans usually have high loan pay out amounts, and interest rates are usually better. Title lenders also benefit from secured loans because they take on less risk of customer defaulting on loans.

How the Vehicle Title Loan Process Works


• Apply for title loans Joliet at your convenience.

• Receive and approve your instant loan estimate to make financial choices.

• Meet with a loan representative to qualify for a loan and choose a repayment plan.

• Review your contract written according to Illinois auto title loan regulations.

• Turn in your car title at the loan closing.

• Collect your cash.

• Begin making payments according to your repayment schedule.

Bales Car Title Loans in Joliet, Illinois

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11 S. Prarie Joliet, IL 60436 | (815) 339-5600