Apply for a title loan with Windcrest Title Cash

There's no bigger source of stress than money issues, and they're the kind of problems you can't run away from or ignore. If you have bills to pay, whether they're past-due bills that have been accumulating or sudden emergency expenses, waiting around will only put you in a worse spot. Here's the good news – if you own a car, you can use its value to borrow money. Plenty of consumers have chosen title loans Seguin when they've needed a financial boost, and you can do the same in your time of need. Since these loans rely on your car's value, most borrowers get approved, and you can complete the entire application process today.

At Windcrest Title Cash, one of our goals is to make the application process even easier for our customers. To do that, we set up an online application for title loans Seguin, which you’ll see right here on our site. Since it only requires some basic info that you likely know off the top of your head, you can complete the entire application in seconds. First, you’ll need to fill out some fields with the following information about your car:

  • Year
  • Make
  • Model
  • Body Style
  • Approximate Mileage

Then, we’ll need you to enter the following personal information:

  • Your full name
  • Your phone number
  • Your email address
  • Your Zip Code

With those simple pieces of information, we can preapprove you for a title loan immediately and even calculate a free vehicle title loan estimate. We’ll tell a Windcrest Title Cash representative to follow up with you right away to help with any questions you have and set up a time when you can visit us in person and get your loan.

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About Windcrest Title Cash in Seguin, TX

One of the best things about title loans is their speed. They make it easy for the borrower to get money in a short period of time. But they aren’t nearly as easy when you need to drive half an hour or more just to get your loan, which is what will happen if you look for title loans Seguin and get listings for lenders from all over. That happens sometimes, but it won’t be a problem here at Windcrest Title Cash, because we have our office right here in Seguin. It’s a quick drive from throughout the city whether you prefer surface streets or the highway, and there are many parking options near us.

A Windcrest Title Cash representative can assist you as soon as you get in, starting with your loan paperwork. Of course, make sure you mention if you received a title loan preapproval already through our online application. After the paperwork, we do a short vehicle inspection to confirm how much it’s worth, and then we can issue your loan after you give us the car title. Wondering how long you’ll be here? If you stop by when it’s not too busy, we can probably have you in and out in under an hour, and you’ll have your loan money when you go.

How It Works

In the lending industry, loans and lines of credit can be secured, which means there is property attached as collateral, or unsecured, which means there is no collateral, just the borrower’s personal guarantee. A title loan will fall into the secured loan category because you’re using your car for the collateral. You can still use your car while you’re repaying the loan though, because the lender will only have possession of your car title.

Federal law sets the age minimum for title loan borrowers at 18. Other than that, states have the freedom to make their own title loan regulations. This means that a title loan in one state can work very differently than a title loan in another.

Texas hasn’t put a limit on the amount people can borrow through title loans, and that will instead depend on your car’s value and what the lender is willing to issue you as a title loan. There is a 10-percent interest rate cap, although there can be other fees that borrowers need to pay with their title loans.

The state sets a limit of 180 days on title loan terms. Now, title loans are short-term loans, and as such, they almost always have shorter terms than 180 days. The typical term length is 30 days, and that’s true in Texas and quite a few other states.

If you hit the end of your title loan’s term without enough money to pay it off, you can roll over the loan, which means you’re getting an extension on the loan. To do this, you pay any interest and fees your loan currently has, but you don’t need to pay any of the loan principal. That unpaid loan principal then carries into a new term of the same length, and the new term also has new interest and fee charges. You can extend your title loan in Texas up to that 180-day limit, at which point you need to pay it off in full.

Extending a title loan is always the better choice than failing to pay, because that would be a default. A default on a title loan gives the lender the right to start the repossession process, taking your car and selling it to make back what you owed them.