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What are Car Title Loans?


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In this episode of Money Creation Explained we are going to cover What are Car Title Loans?

A car title is a short term secured loan backed by a personís vehicle as the collateral. The average car title loan is $1,000, but can range from $100 to $10,000 and is based on 25% to 50% of the vehicleís value. Repayment terms are typically 2 - 4 weeks but can go longer if needed. These loans are also available for motorcycles, boats, and recreational vehicles. The vehicle will remain in the personís possession during the repayment period unless they default on the loan.

An example transaction is as follows: You bring the vehicle to the Car Loan Lender and it is worth $4,000. The Car Loan Lender offers you a loan of $1,000 (25% of its resale value) with a financing fee of usually 25% which (which translates to around 300% APR) plus additional fees. The average car title loan borrower pays about $1,200 in fees for the average $1,000 loan. If you do not repay loan back on time and are unable to extend the payment terms (which will cost you additional fees) the Car Loan Lender can then reposes and sell your vehicle, or sue you for the amount owned.

An alternative solution would be Secure Loans which is a service offered by IOU Notes. It allows users to leverage their own funds to obtain small loans for personal and business use as needed and never pay more than 5% interest per year on those funds. Using our service a user can have a dependable emergency loan option, help build or rebuild their credit, budget their money better, and stop paying high interest fees from other loans. This service was created because of the scarcity of affordable small loans.

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