Title Loans Utica, OH

Utica is a small community in Central Ohio, located at the crossing of State Route 13 and U.S. Route 62, and is 12 miles north of Newark, 12 miles south of Mt. Vernon, and 35 miles east of Columbus, the state capitol. Utica was planned out in 1815 and named after Utica, New York. The mill is a popular regional tourist attraction and features an ice cream parlor, restaurant and wildlife and picnic areas. There is an annual ice cream parade every Memorial Day weekend along with the Utica Ice Cream Festival. Utica boasts an outstanding educational system and institutions of higher education within close proximity, including the Newark branch of the Ohio State University, Central Ohio Technical College, Mt. Vernon Nazarene University, and Kenyon College.

Beautiful as it can be, snow, ice and other winter elements are harsh on your home. Getting a pre-winter inspection is a great way to find any weak spots that could be damaged under the weight of cold weather condensation. If you missed the inspection this year, and now you’re dealing with damages, you might need extra cash to cover your insurance deductible or other incidentals. Getting that cash is easy with title loans in Utica.

What are Title Loans Utica?

A person who uses their vehicle as a way to get a cash loan is getting a title loan. The borrower pledges their vehicle to secure the loan, and they give the lender their title certificate to hold. A title lender gives the borrower the cash, and when the loan is paid off, the lender gives the borrower the vehicle title back. Title loans are based on collateral, which allows them to do away with credit checks. For borrowers, this means their credit history, whether good, bad or somewhere in between, is irrelevant when it comes to their title loan approval.

Qualifications

Adults who are at least 18 years old are allowed to apply for title loans in Utica. Applicants need to own the vehicle they use for loan collateral, and the vehicle needs to have a free-and-clear title. Applicants must have proof of identification. They must work or get money from another source, such as unemployment benefits.

Title Loans Utica Application

Find out the amount of cash you can get by filling out our fast title loans online application. To determine your vehicle’s value, we need to know its make, model, year, style and mileage. We use the value to determine a loan offer for you, and then we can work out a loan package. Your entire loan process can be completed in a very short time, and you could receive your cash in less than 24 hours.

Ohio Legal Info

Lenders can charge up to 30 percent interest on a loan. If they plan to repossess and sell a vehicle, they must give the borrower advanced notice. The borrower must be told exactly how much money they owe, as well as the time and location of the vehicle sale. Money made from the sale will go to the lender to recover the loan balance and other costs incurred by the lender.

Benefits

• Fast money is the main reason most people turn to title loans in Utica. When there is an urgent need for cash, there is no time to wait for a bank loan or for someone you know to agree to help you.
• Who needs a credit check when the financing is collateral-based? Title lenders don’t, which is we don’t look into your financial background. Unlike banks, we don’t allow a three-digit number to determine who we lend money. Your number is just a number, not who you are, and it won’t keep you from title loans in Columbus and Utica.
• Title lenders are discreet, and we like privacy just as much as you do. We won’t share your information with anyone.
• You could ask those close to you for money, but you run the risk of having them tell others your business or being critical of your financial choices.
• Need more time to pay off the loan? You got it with the flexible terms that accompany title loans. We can renew the loan to give your more payback time if you need that kind of help.
• As long as we keep the title, you get to keep your car.