Help and Feedback

Q:    What is an auto title loan?

In an auto title loan, the title of your vehicle is used as collateral to secure the loan.
Getting a car title loan with Lendmerit is fast and easy. In 30 minutes or less, you're out the door and driving in your own car with pockets full of cash. It's simple, as long as you have no-lien on your vehicle, we can help you establish a loan so you can confidently drive away with much needed cash.

Q:   How much money can I borrow for an auto title loan?

Unlike other companies, we can loan you anywhere from $2,600 to unlimited amounts depending on the wholesale value of your car and your ability to repay the loan. With minimum effort and hassle free process, you can be sure your financial needs and quality of service is met.

Q:   What counts as a qualifying car for an auto title loan?

Usually a car that is 2006 or newer, paid off, and free of lien would qualify.

Q:   How much does my car have to be worth to get a loan?

We require that your vehicle must have a wholesale value of at least $5,000 or more in order to qualify for an auto title loan. Depending on the car value, we may be able to loan anywhere from between 40% - 100% of the car value.

Q:   How do I get a car title?

You can get a copy of your car title from your local DMV.

Q:   Does the car title have to be in my name?

Yes, the car title must have your name listed as the legal owner of that vehicle to be eligible for a car title loan. If the car title has a name other than yours listed on it, please contact us at 888-866-8808.

Q:   Does my car need to be paid off?

In some cases, yes. We can help you pay off your vehicle\'s existing balance and provide you the loan. Call us at 888-866-8808 to find out how or visit one of our offices to learn more.

Q:   Can I be on disability or retirement?

Yes, if you can provide us with proof of continual income to ensure your ability to establish monthly payments.

Q:   How long does it take to get a loan?

You can be in-and-out in as little as 30 minutes or less with money in hand. As long as you provide us the necessary documents and have our forms completed, our process is easy, dependable, and fast. The pre-approval process only takes 10 minutes!

Q:   Do I need to provide an extra set of keys?

No, unlike many other companies whose primary business is to go after your car, we encourage you to keep your keys and keep driving your own car.

Q:   Will I be penalized for paying my loan early?

No, in fact, we encourage you to do so whenever possible. There is no pre-payment penalty to worry about. We provide you with 36 months to fulfill the contract, however, you may pay off the loan at any time.

Q:   I have bad credit. Can I still get a loan?

Yes, bad credit or good credit we don't pin this against you. Our approval process is dependent on the wholesale value of your vehicle and your ability to make loan payments.

Q:   What documentation do I need to provide for an auto title loan?

You will need to provide the following:
Current copy of your driver’s license. A certificate of title or lien satisfied/lien release evidence of insurance for your vehicle. Current proof of residence: utility bill in your name that verifies your home address and a current proof of income: paystub or bank statements.

Q:   What is a personal loan?

A personal loan requires no collateral. The loan amount is determined by your credit and your ability to make loan payments.

Q:   What documentation do I need to provide for a personal loan?

You will need to provide the following:
Current copy of your driver’s license. Current proof of residence: utility bill in your name that verifies your home address and a current proof of income: paystub or bank statements.

Q:   How much money can I borrow for a personal loan?

Unlike other companies, we can loan you anywhere from $2,600 to unlimited amounts depending on your credit and your ability to repay the loan.

Q:   How secure is my information?

Protecting your sensitive information is our primary concern. We utilize the latest Sockets Layers (SSL) software and management system to keep all your information secure.

Q:   What documentation do I need to provide for Auto Title Loans?

You will need to provide the following:Current copy of your drivers license. A certificate of title or lien satisfied/lien release evidence of insurance for your vehicle. Current proof of residence: utility bill in your name that verifies your home address and a current proof of income: paystub or bank statements along with 3 references.

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