Tampa, FL is a wonderful place to live with its beaches, amusement parks, zoos and wildlife preserves and many professional sports and entertainment venues. But sometimes the cost of living can get rather expensive in this city, and that usually means that you'll need to have money saved up in case you have unexpected expenses. But if you've had a tough year and haven't been able to save enough money for emergencies, you might need to see our company Cyber Hawk Title Loan Solutions to get financing for your needs. We serve the entire Tampa area and provide the kind of loans you can't get at a regular bank.
Your financial needs could be quite numerous. Maybe you've accumulated credit card debt that you need to consolidate or have a student loan you're still trying to pay off. Sometimes you have home or vehicle repairs that can't wait and you need some quick cash to cover those. Many national banks don't have short-term loan solutions that are right for these matters, and even the personal loans they do offer usually take days or sometimes up to a week to get your money, and your approval usually depends on having a very reliable income a good credit. But with our car title loans Tampa, those barriers aren't likely to get in your way.
One thing about regular bank personal loans is they can be frustrating to work with when the paperwork asks you what you plan to do with them and asks to see a huge list of your financial records. This is not how we do things at Cyber Hawk Title Loan Solutions because our title loans Tampa are borrowed out of your vehicle's equity. Since it's your vehicle you're borrowing against, it's your money and while personal emergencies are the most common use for title loans, they don't have to be used for that. Some people use them to pay for vacations, household projects, business expenses or even college tuition. But we don't ask because it's your money and you can use it how you see fit.
You basically need just three things to get a title loan which are the following:
1. A vehicle that you own completely and that's worth enough to qualify for a title loan
2. The vehicle's title in your name
3. Income that's sufficient enough to repay the loan in one month
The vehicle could be very new or it could be one that you've had for a number of years. But usually as long as it's not rusty or too beatup to sell, you can usually get a decent loan amount for it, though keep in mind we do an appraisal and inspection at Cyber Hawk Title Loan Solutions to get the proper market value for it. The higher your vehicle's value is, the higher your title loan will be. Usually the loan principal for title loans Tampa equals about 30% of your vehicle's value, though it could be higher or lower depending on other conditions. If you're still making payments on your vehicle to the bank or dealership, you may not have received your vehicle title yet since usually the party you owe money to will place a lien on the title that won't be removed until you've met your obligations to them.
If there is any lien on your vehicle title whether it's vehicle payments or a towing company putting a claim on it, you'll need to work with that party to get your title before you can get a title loan. If you've nearly finished your payments, we may be able to buyout the rest of them and issue you a title loan based on your current equity in the vehicle. At Cyber Hawk Title Loan Solutions, we don't reject anyone even if they have poor or bad credit or have just declared personal bankruptcy. That's because since you surrender your vehicle title to take out a car title loan and have monthly income statements to verify payments, your past credit history is not important to us. And we don't hurt your current credit score by reporting or doing hard inquiries with any of the major credit bureaus.
The online phase of applying for our car title loans is usually done by first entering your vehicle and personal contact information in our online title loan estimate form. We'll give you an estimate for what your title loan will likely be worth, though it will not be final until we perform an inspection at our store. The inspection usually won't take more than a few minutes, but you'll present certain documents and sign some paperwork while this is taking place. First, you'll need to provide proof that you're at least 18 years old, reside legally in Florida and have income and own the vehicle. Be sure to bring the following:
We'll review these documents, have you sign over the title to us and carefully read and sign the agreements stating you understand your loan terms and agree to the payment schedule. You'll know in a short time that you've been approved, and usually you'll need to allow up to 24 hours to receive your title loan, but chances are you could receive your funds the same day.
Cyber Hawk Title Loan Solutions is certified and registered to do business in the state of Florida and complies with all laws and codes. We also pride ourselves on getting to know our customers and making sure their specific needs are met while at the same time respecting their privacy. Our store is located in downtown Tampa and customers are welcome to visit with or without an appointment. If you have any questions about our title loan services, don't hesitate to give us a call.