Bring your lien-free vehicle title. Fill out an application while we perform a quick vehicle appraisal. We will determine a loan amount based upon your need and the appraised value of your vehicle. Upon approval, you will receive the funds and continue to use your car. Once the loan is paid off, we will release our interest in your vehicle by removing the lien from your title.
A lien-free car title means that you own your car outright, with no outstanding loans or judgments against it. You need to have a lien-free car title to get a title loan from us.
We are very careful with our lending and willing to work with our customers to address their short-term financial needs. We offer competitive interest rates and don’t charge fees such as application fee, origination fee, late fee, renewal fee, etc.
Yes. Bad credit will not necessarily prevent you from qualifying for our loan. Even if you have been turned down by other lenders in the past, we may be able to help you.
You will receive an email notification once your application has been approved. We reserve the right to make adjustments to your approval until the time you receive the funds in your bank account based on new information regarding your application.
There are some instances where proof of income is required before your application can be approved, such as if you receive benefits or are self-employed. If we do need some additional documents, you can send them to us by 1) uploading them online in your account and 2) emailing. We strongly recommend uploading the documents online in your account. We can process them and get you a decision faster.
The receipt of your funds will vary based on the time at which your application is approved. You will receive an email notification once your application has been approved. On weekdays, if you are approved by mid-morning, you will be most likely to receive the funds by the end of that day. If your application is approved after mid-morning, you will generally receive your funds by the next business day. If your application is approved on the weekends, you can expect to receive the funds by the end of Monday, unless it is a bank holiday. The timing of funding depends on when your bank will post ACH (Automated Clearing House) credits to your bank account. If you expect to receive funds on a certain day, but do not see the funds in your bank account, you should contact your bank.
For loans made without the installment features (e.g., payday loan), you may renew your loan by making the interest payment to extend the loan due date until your next payday. Payday loans may be renewed at any time before your electronic transaction is deposited. If you contracted for cash payments, you may extend the term of your loan by making the interest payment at any time prior to the close of business on the loan due date. For a payday loan and single payment signature loan, you may renew your loan a maximum of four (4) times, but for no longer than 60 days after the original loan’s first due date or 90 days after the original loan’s origination date, whichever is shorter. At the time that your fourth renewal is due, or if the applicable time period has expired, the loan must be paid in full. For a title loan, you may renew your loan a maximum of six (6) times, but for no longer than 180 days after the original loan's due date or 210 days after the original loan's origination date, whichever is shorter. Loans with installment features cannot be renewed.
Login to your online account at lvtlfinancial.com or contact us if you want to repay your loan early. There is no penalty for repaying your loan before your due date.
We’re here to help. Contact us via phone or email at least two business days before your upcoming payment.
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