Howard Car Title Loans
If you’ve ever felt a financial pinch, then you know how challenging that can be. Often, a small loan is enough to get you by, but of course, loans aren’t always easy to get. Traditionally, unless family or friends could bail you out, you had to go to a bank.
But that’s getting harder. Banks like North Shore and BMO Harris on Cardinal Lane won’t consider loans smaller than $5,000 and the process can take weeks. That’s why so many have turned to title loans in Howard as a way to get the money they need fast.
How to Apply for Title Loans in Howard, Wisconsin
Applying for title loans in Howard is simple particularly if you apply online and right here at Wisconsin Title Loans. From the homepage, just click or tap the button that reads Click to Apply. This will take you to a brief form where you’ll need to fill out some basic details. These include:
- Vehicle year
- Vehicle make and model
- Estimated mileage
A second brief form will request your:
- Full name
- Cell number
- Email address
- Zip code
Finally, click the large green Submit button. Within seconds, you’ll receive a free quote for title loans in Howard.
If you opt to continue, a loan representative will reach out to you at your earliest convenience. Your rep can answer any questions you may have, such as getting a title loan while unemployed, as well as guide you through the rest of the process.
Title Loan Regulations in Wisconsin
Title loans in Wisconsin are governed by a series of regulations that are designed to protect consumers. Lenders must be licensed, and they’re not able to use tactics like requesting a copy of the key.
Lenders must also explicitly indicate all aspects of the loan in a document that you sign and receive a copy. Beyond that, the state gives the power to borrowers to choose loan terms that are right for them. There is an upper limit of $25,000, and a Green Bay car title loan cannot be set or extended to a period longer than six months.
Benefits of Car Title Loans
There are a host of benefits associated with title loans in Howard, which is why these are becoming such a popular borrowing option among the average person. These benefits include:
- Easy approval
- Convenient repayment periods
- Flexible loan amounts and terms
How Title Loans Differ from Other Fast Loan Options
Other fast loan options include cash advances, payday loans and personal loans. A big difference between title loans in Howard and these other loans is that the title loans are secured.
Securing a loan makes a big difference: applications are less involved; processing times are quicker; and you have more flexibility in terms of how much you borrow and the repayment terms.
Car Titles: Clear vs. Lien
Be aware that Howard title loans require a clear physical title. The title is physical in that you can hold it in your hand, and the title is clear in that there are no liens against it. What a lien means is that some entity other than you has a whole or partial claim against the value of the vehicle.
Since a title loan has to be secured, this won’t work. Note that if you’re financing the car through a bank or similar, then the title has a lien on it from that institution.
Getting a Car Title in Howard
If you don’t possess a physical title because it was lost or damaged, you can replace it through the Wisconsin Division of Motor Vehicles. You can complete the necessary form online, by mail or in person at a DMV office in Howard or anywhere else throughout the state. The duplicate title fee in full is $25.