A mid-sized East Texas city, Longview is experiencing rising living costs, which could make handling a financial emergency difficult for some residents, especially where credit is an issue. That’s where a title loan could potentially provide a quick solution if you have a car in your name and a regular income. You won’t need good credit or even a bank account to get one.1 Here are the key things to know about getting a title loan in Longview, TX.

What is a Title Loan and How Does it Work in Longview?

An auto title loan offers the ability to use the equity in your existing car or truck as collateral for a loan, provided you are 18 years of age or older and live in the state in which you are applying. The automobile must be registered in your name and have sufficient value to cover the loan. Because the title to your car secures the loan, your credit history isn’t a primary factor in being approved for the loan.1

A lien is placed against the title when you accept the funds and removed when you repay the loan in full. Meanwhile, you can continue using your car as you would normally, as long as your payments are kept up to date. Traditional employment isn’t required. Alternative income such as alimony, disability, Social Security or retirement income may also be accepted.

General streetscape in Longview,Texas illustrating the vicinity served by nearby auto title loan providers

How Much Can I Borrow with a Title Loan in Longview, and How Can I Use The Proceeds?

With a Longview title loan serviced by LoanMart, you may be eligible to borrow up to half your vehicle’s equity, with a maximum loan amount of $15,000.1 Within your approved range, you can choose the amount that best meets your needs. Many borrowers use LoanMart-serviced loans for expenses such as medical bills, utilities, funeral costs or emergency travel. You’re free to use the loan for any personal or household purpose – there are no restrictions.

What Documents Do I Need to Apply for a Title Loan in Longview?

Because the application process is designed specifically to help you get the cash you need as quickly as possible, the required documentation is kept to a minimum. You’ll need to provide the following to be considered for a LoanMart-serviced car equity loan:1

  • A government-issued photo ID (such as a driver’s license or passport)
  • Proof of your Longview address (a utility bill or current lease, for example)
  • Proof of steady income (alternative sources such as disability or Social Security may also be accepted)
  • Recent photos of the interior and exterior of your car or truck, along with the odometer and the VIN
  • A clean title document for the auto in your name
  • In some cases, a DMV form authorizing the placement of the lien

Can I Get Title Loans in Longview Without Showing My Car?

Because title loans use your car as collateral, the lender must assess the condition of your vehicle to determine its value. This appraisal is based on the make, model, age, mileage and overall condition of the automobile. However, you do not need to take your vehicle in for an in-person inspection to be considered for a title loan serviced by LoanMart, the photos are all you need to provide.

What is the Application Process for a Title Loan in Longview?

Unlike the application process of most traditional banks, applying for a car collateral loan is fast and straightforward. You only need to follow these easy steps:

  • Complete the brief online form or apply by phone at 855-422-74121
  • Submit the required documentation
  • Review and sign your loan agreement
  • Deliver your vehicle’s title
  • Get the cash

Tips for a Smooth Application Experience in Longview

With a little bit of preparation, including gathering the documents you’ll need beforehand, you can make sure your application process goes as smoothly as possible:

  • Pull together all required documents in advance and have them close by to avoid delays
  • Set aside focused, uninterrupted time to complete your application
  • Answer all of the questions completely and honestly
  • Call LoanMart customer service at 855-422-7412 If you have questions or need assistance

Benefits of Choosing Title Loans in Longview

The benefits of selecting LoanMart-serviced title loans over similar options include:

  • Flexible repayment options tailored to your needs. Title loans serviced by LoanMart offer a variety of payment options, including some that don’t require a bank account. You can opt for the method that’s most convenient for you.
  • Good credit is not required. Title loans are secured, so the focus is more on your ability to make loan payments than on your credit score or history. Imperfect credit is not necessarily a problem.1
  • Quick access to cash for emergencies. It takes just minutes to complete the online loan application, and you could potentially be approved in less than an hour.1 When you’re approved, you could have your cash in just one day – or even sooner.3
  • Competitive interest rates. LoanMart-serviced vehicle title loans offer competitive interest rates when compared to payday loans and other subprime loan options.
  • Excellent customer service. You can expect top-tier customer service and support throughout your loan process. Our representatives are ready to answer any questions or address any concerns.
  • Transparent terms. There are no hidden fees, surprise balloon payments or penalties for early loan repayment.

Whether you’re in Longview or another Texas city, such as Fort Worth, Houston or Dallas, a LoanMart-serviced auto title loan can be an easy way to get cash fast. Apply online today!