We’re a leading provider of the title loans Augusta residents just like you take advantage of to clear financial hurdles and get ahead. Everything you need to get started is right here on our website. You can apply and even be approved online, but we also have a brick-and-mortar place of business, which is conveniently located in Augusta so that you can experience our amazing customer service in person!
At Villalobos Car Title Loans, we take our responsibility to the community very seriously and have built our business on a first-class customer service experience. When you get an auto title loan in Augusta through us, you’ll benefit from:
When you choose us for your next title loan, you’ll also take advantage of:
A loan can be either secured or unsecured. An unsecured loan, such as a personal loan from a bank, requires a good credit score. A secured loan, such as a title loan, requires collateral. In the case of a car title loan, that collateral is the title to a vehicle that you own outright. Note that the title serves as the collateral and not the car itself. That means that even while you have an outstanding title loan, the car is yours to drive to work, around town on errands and to have fun on Friday night. Title loans are also short-term borrowing options in that the base term for any title loan in Georgia is just 30 days, and since there are no penalties for early repayment, you can pay the loan off even sooner.
Unlike bank loans, which require long and often complex application processes, car title loans are loans that can be processed in under 15 minutes. With a car title loan, Villalobos Car Title Loans will give you cash based on the value of your car. In exchange, you give us the clear title for the vehicle. That secures the loan, which means we take on little risk, which allows us to get cash in your hands fast and offer favorable rates over a short term. You keep the car! Drive it like you usually do. When you’ve completed repaying your loan, we give you the title back, and you once again have the full rights to that vehicle.
The title loans Augusta residents have available to them are regulated by Georgia law. The state determines who can lend and regulates licensed lenders. The state also requires that lenders only lend to people age 18 and older and only bases loans on titles that are lien-free. Georgia also requires written contracts for title loans that include specific language laid out by the law and explicitly indicate the loan terms, such as the principal, interest, fees and term.
Georgia does not limit how much or how often a borrower can borrow or a lender can lend. It does, however, set the minimum term at 30 days. Loans, therefore, cannot be for less than 30 days. They can, however, be for more than 30 days because loans can be extended for 30 days at a time without limit. If a lender is willing to extend, it must indicate so in writing in advance so that the consumer is protected in the knowledge that an extension will be an option. Georgia also limits loan interest and fees so that the annual obligation is no more than 300 percent up to 90 days and 150 percent beyond 90 days.
Welcome to Villalobos Car Title Loans, where getting car title loans in Augusta is easier than ever. In order to get started with the title loans Augusta residents have available to them, you’ll need some information, such as your:
When you finalize your car title loan, you may need:
You need to be 18 years old to get car title loans in Augusta because that’s the law. The year, make, model, style and mileage of your vehicle determines its value and how much will be available for you to borrow. Using estimated mileage is all right, but in some cases, an odometer reading may be required before a loan is finalized.