ChoiceCash Title Loans in Illinois

Illinois is home to Chicago, one of the most culturally diverse cities in America. Many people visit Chicago to experience the pivotal art of the civil rights movement, the historic architecture, incredible food, and the soulful music. All these things are enjoyed by locals year-round and draw in tourists from across the world.

Whether a resident of Illinois is living in the city or in a rural area, chances are they may experience financial instability that requires extra funding.

No matter what your everyday life looks like in Illinois, when you need quick funding, a ChoiceCash Title Loan serviced by LoanMart may be a great place to start looking. ChoiceCash Title Loans are made to be flexible, convenient, and accessible to many.

Here is more information on this type of innovative loan available for residents of Illinois to inquire about.

What is a ChoiceCash Title Loan Serviced by LoanMart?

A ChoiceCash Title Loan is a unique kind of title loan. Like other title loans, a borrower can expect the process to be both fast and easy1. ChoiceCash Loans are also secured by the borrower’s vehicle. Along with a few similarities, ChoiceCash Title Loans have a few unique differences which are advantageous to the borrower.

How to Get a ChoiceCash Title Loan in Illinois?

The entire ChoiceCash Title Loan process involves only a few simple steps.

Residents of Illinois can expect the process to unfold in 3 simple steps:

1. Inquire for a ChoiceCash Title Loan

The first step is going to be to apply for one of these loans. This can be done online, or over the phone. A loan agent will ask for some basic information about you, your finances, and the vehicle that is involved.

2. Find Out Eligibility

Once a loan agent determines an applicant’s eligibility, they will contact the inquirer and request for some documents to be sent in. Once those are sent and verified, the loan agent can come up with a loan value and personalized repayment terms.

3. Receive Approved Funding

After the loan agent comes up with a repayment plan, and a loan contract, the applicant will look over the agreement. Once terms are agreed upon and signed, funding can be made available to the borrower.

If there are any questions you may have about the ChoiceCash Title Loan process, a loan agent can be contacted to help out at 1 (844) 237-5530.

What Kind of Service Can I Expect with a ChoiceCash Title Loan?

When working with a ChoiceCash Title Loan, an inquirer can be expected to be treated with the utmost care. This is because ChoiceCash Title Loans provide financial solutions for people across the country especially those with all kinds of credit histories—good, bad, or no credit history.

Here are a few customer service advantages that come with ChoiceCash Title Loans:

Superior Customer Service

With this kind of loan, help is provided as agents are available to answer any questions or concerns borrowers may have throughout the process.

Compassion and Empathy

The loan agents who service ChoiceCash Title Loans offer compassion—a value which is not commonly found in the title loan industry.


ChoiceCash Title Loans have flexible eligibility and provide personalized terms.

Ease and Speed

The title loan inquiry only takes a few minutes and eligible borrowers could receive their much-needed funds in as little as 24 hours1! The ChoiceCash Title Loan process is a cut above the rest, providing ease and speed for those who inquire.

Honesty and Transparency

The loan agents servicing ChoiceCash Title Loans uphold transparency and honesty. When working with them, you will know exactly what you are getting into, along with the important details of it.

Why Were ChoiceCash Title Loans Created?

ChoiceCash Title Loans were created for a few different reasons. It all began from a desire to provide something different—a loan that makes obtaining funds easier and more beneficial to the borrower.

Here is what ChoiceCash Title Loans are set up to do:

Provide Accessibility

There are all kinds of loans out there, but only a few that provide flexible requirements and accessibility. ChoiceCash Title Loans make title loan eligibility possible for many individuals1. This is because a loan agent will focus on several qualifying factors, instead of solely credit, to get a bigger picture of the possibilities.

To Add Compassion to Finances

With ChoiceCash Title Loans, real human connection is always an option that borrowers can seek out throughout the process. This can be vastly different from most types of lending out there.

To Provide Benefits to Borrowers

One of the main reasons that ChoiceCash Title Loans were created was to reward borrowers for continuous on-time loan payments.

What’s the Difference Between Regular Title Loans and ChoiceCash Title Loans?

As mentioned above, ChoiceCash Title Loans have some similarities to regular title loans.

To reiterate some of those commonalities, ChoiceCash Title Loans have a similar application process and are also secured using the borrower’s vehicle. However, it is the differences that make ChoiceCash Title Loans stand out.

Here are a few things that ChoiceCash Title Loans offer that regular title loans do not:

ChoiceCash Title Loan rates are extremely competitive, especially when compared to similar types of loans. With any kind of lending, it is extremely important to pay attention to the amount of interest that is being charged on the loan because the interest can be the largest expense when it comes to borrowing. This is especially true when it comes to title loans, since rates can fluctuate depending on the lender.

One of the most unique advantages of ChoiceCash Title Loans is a borrower’s ability to earn rewards for a positive repayment history. Through on time payments, a borrower could receive low monthly payments and rates that get lower each month2. Another possible reward can be the ability to borrow additional funding at the same low rate1,2.

While paying back the loan, many borrowers discover “hidden fees” that come up. Many dishonest lenders will hide hidden fees in the loan agreement and fail to discuss them with the borrower before signing. When taking out a ChoiceCash Title Loan, a borrower will know exactly what they are getting into. Hidden fees are not a part of the ChoiceCash Title Loan process, so there are no prepayment penalties nor balloon payments.

When it comes to ChoiceCash Title Loans, there is a ton of flexibility available. From the eligibility requirements to repayment, ChoiceCash Title Loans provide unmatched flexibility for borrowers1.

More Details on the ChoiceCash Title Loan Rewards for Borrowers in Illinois

ChoiceCash Title Loans could provide loan rewards for borrowers repaying their loans. Before discussing these rewards in-depth, it may be helpful to go over the eligibility requirements for them.

Here are the conditions in which the ChoiceCash Title Loan rewards could be made available for borrowers:

  • The ChoiceCash Title Loan must always be less than 90 days past due.
  • The ChoiceCash Title Loan cannot have been modified.
  • The vehicle involved cannot have been repossessed.
  • The ChoiceCash Title Loan cannot have reached its original maturity date.

Now that you know more about the requirements for these rewards, it may be helpful to know the exact details about them.

Here are the details on the rewards that can be earned:

Lower Payments Each Month2

ChoiceCash Title Loan interest rates could get progressively lower each month! This could mean a significantly lower monthly payment each time you pay and more money in your pocket2.

The Ability to Borrow More Funding at a Low Rate1

The second reward could mean the ability to borrow even more funding in the future, which will stay at whatever lower payment which was earned1,2!

What Does an Illinois Resident Need to Qualify for a ChoiceCash Title Loan?

The flexible thing about ChoiceCash Title Loans is that in order to apply, there really isn’t much required. The initial application process only involves some basic information about yourself, your vehicle, and your finances. Keep in mind that for a ChoiceCash Loan, you will need to have a qualifying, working car.

After initially applying for a ChoiceCash Title Loan, a person will quickly find out if they’re eligible to move forward.

Once approved, a loan agent will request some documents:

  • A photo ID (driver’s license, state ID, or a passport)
  • The vehicle title in your name
  • Proof of income (paystubs or bank statements)
  • Proof of residence (recent mail or lease/mortgage info.)
  • Four references
  • Photos of the car
  • Other requested documents for clarification of information.

How Will Credit History Impact Eligibility for These Loans?

With most other types of lending, credit history plays a huge role with eligibility and repayment terms. In order to check a person’s credit history, a lender will have to perform a credit check. When it comes to checking a credit report, there are soft credit checks and hard credit checks. With soft credit checks, the lenders inquiry will not impact an applicant's credit core, while a hard credit check will.

The flexible thing about ChoiceCash Title Loans, is that credit does not play a huge role with eligibility. This means that all kinds of credit scores are considered for eligibility. Qualification for ChoiceCash Title Loans is determined by several key factors, not just a three digit number.

A ChoiceCash Title Loan agent will look at a combination of the following factors:

The Applicant’s Income

Income will be looked at in both annual and monthly terms. Income will be used to figure out total loan value and the minimum monthly payment for an individual applicant. When providing proof of income, it is recommended you show every source of income so that you receive accurate and affordable repayment terms.

The Value of the Car

Because ChoiceCash Title Loans are secured using the equity of a vehicle, the value of the borrower’s car will play a large role in the eligibility process and will impact the loan amount.

The Applicant’s Ability to Repay the Loan

This determining factor includes income, expenses, and the amount of existing debt that a person has. One reason that a credit check will be performed is to figure out this.

Will There Be a Credit Check for ChoiceCash Title Loans?

With ChoiceCash Title Loans, the credit check will be used in order to determine an applicant’s ability to repay their loan by focusing on their existing debt.

Do I Have to Be an Illinois Resident to Get a ChoiceCash Title Loan?

If you are thinking about applying for a ChoiceCash Title Loan in Illinois, know that you must be a resident of the state. There are a few reasons for this. One being easy access to the vehicle—in case the loan defaults. The second reason involves state title loan laws. For those who aren’t residents of Illinois, but still want to inquire about ChoiceCash Title Loans, the great thing is that these loans are available to inquire about in other states!

What Will Repayment for ChoiceCash Title Loans Look Like?

An important part of any kind of lending is knowing exactly how repayment will work. With ChoiceCash Title Loans, repayment is both simple, and flexible.

When it comes to how payments are made, a borrower has several options:

  • Mailing a payment
  • Pay over the phone
  • Pay through the website
  • In-person at a MoneyGram location

When it comes to repayment scheduling, the great thing about ChoiceCash Title Loans is that a loan agent will personalize repayment for each individual.

Here a few unique advantages that ChoiceCash Title Loans provide:

No Early Payament Penalties

With ChoiceCash Title Loans, there are going to be no penalties for early payments. This means that if a borrower wants to make early payments, they can.

Longer Loan Terms

With ChoiceCash Title Loans, repayment can be as long as three years3. This is a huge advantage, as many title loans typically have terms that are less than a year.

No Hidden Fees with Repayment

Another beneficial perk for customers is the omission of hidden fees and balloon payments. With a ChoiceCash Title Loan, all a person has to be concerned about is their regular monthly loan payment when payments are made on time.

What Can the Money from a ChoiceCash Title Loan Be Used For?

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When thinking about obtaining a ChoiceCash Title Loan, chances are that an applicant will have a specific use for the loan in mind. One of the best things is that ChoiceCash Loans can be used for a variety of financial emergencies.

Here are a few of those:

Whether it is for an emergency room visit or help paying for an injury, the funding from ChoiceCash Loans can be used for various medical expenses.

There can be all kinds of expenses with a pet, whether it’s the adoption fee, medical bills, or surgery. A ChoiceCash Title Loan can also help fund that.

A ChoiceCash Title Loan can be used to travel when an emergency occurs. If your family member is hospitalized or if you need to attend a funeral, a title loan could help you get to where you need to go.

Homeowners know that while owning a home, there are going to be various expenses that come up. For those who don’t want to dip into savings, a ChoiceCash Title Loan may be a great alternative.

Believe it or not, funeral costs in the Unites States can range anywhere from $3,000 to about $10,000. When a person needs this kind of funding, they’ll probably need it to be fast, and that’s why a ChoiceCash Title Loan may be an option.

So as you can see, the ways that ChoiceCash Title Loans can be used is extremely flexible.

Can I Trust the ChoiceCash Title Loan Process?

With any kind of financial transaction, it is understandable that you may want to be sure that the business you are working with is trustworthy.

ChoiceCash Title Loans are serviced by LoanMart and the funds are available for pick up at any MoneyGram location. Loan agents are trained to handle all information and documents responsibly. When filling out an inquiry online, the website’s server is encrypted so information is secure and inaccessible by unauthorized personnel.

When it comes to the loan process, loan agents who service ChoiceCash Title Loans remain open and honest about the loan and the individual contract. Loan agents with ChoiceCash Title Loans are there to service—not sell. And so, you can be certain that you are making an informed lending decision when you sign that contract.

What If I Change My Mind After Speaking to a Loan Agent?

When looking for lending, something may seem like a great match for you at first, but as you learn more about it, you may change your mind. When working with ChoiceCash Title Loans, an applicant has the ability to opt-out at any time before signing a contract. This could be anywhere from the time that a person talks to a loan agent, to even after a loan contract is made up.

What If I Change My Mind After Signing a ChoiceCash Title Loan Contract?

If a borrower changes their mind about a ChoiceCash Title Loan, although the loan cannot be deferred, the great thing is that a loan agent may be able to adjust the terms.

When you are having doubts about ChoiceCash Title Loans, you can discuss the following options with a loan agent:

Adjusting the Minimum Monthly Payment

If you are worried about the monthly payments, talk to a loan agent. They may be able to adjust your monthly payment amount in order to help you earn that loan reward of lowered monthly payments in the future.

Changing the Time Frame of the Loan

If you need more time paying back your loan, let a ChoiceCash Title Loan agent know, as they may be able to extend the loan. If a borrower wants to pay back their loan early, they have the freedom to do so without penalty.

Refinancing the Loan Altogether

If while repaying your ChoiceCash Title Loan you find that there are adjustments you would like to make, talk to a loan agent. Refinancing the loan may be an option. When a loan is refinanced, a new one is taken out to pay off the remaining balance of an existing loan. The goal is to make having the loan more manageable.

Where to Get a ChoiceCash Title Loan in Illinois?

The loan agents at ChoiceCash Title Loans know that once the loan process is complete, the final step should be the easiest part. That is why customers could easily pick up their ChoiceCash Title Loan funds at any MoneyGram location in Illinois.

Once a person is approved for a ChoiceCash Title Loan, they can go ahead and pick up their funding at their local MoneyGram. No matter where you are in Illinois, chances are that there is a MoneyGram location not too far from you. To provide an easy reference point, a map and details for the different locations has been provided down below.