woman and title loan money

Tennessee Title Loans Explained: From Applying To Getting Approved

Tennessee title loans from Tennessee Title Loans, Inc. have plenty of features to offer borrowers who need money quickly and have little time to spare. If you’re curious about how they work and what it takes to get one, you’ve come to the right place! Read through this short article to learn everything there is to know about these loans, from the application process to getting approved and receiving your money!

What Do You Need To Apply For Tennessee Title Loans?

The first thing you must understand about title loans is that you require very few things to apply for this loan. Those minimal requirements are one reason these loans are popular for people who need to borrow money, especially when facing time constraints. Here’s what you need to have to apply for a title loan:

  1. Identification: For starters, you must provide your driver’s license or other valid identification. Any state-issued ID will satisfy this requirement.
  2. Lien-free car title: The reason it’s called a ‘title loan’ is because it uses your car title as collateral. So, you’ll need a lien-free car title registered in your name to apply for one of these loans.
  3. Vehicle for inspection: If your loan is approved, you must keep your car. Still, you must have the car with you when you apply, so a representative can inspect it and determine how much you qualify to borrow.
  4. Proof of income: Lastly, you must provide proof of payment so the loan representative can determine if you qualify.

These few requirements set title loans apart, as they minimize the number of things borrowers need to prepare when applying.

woman thinking about title loans

How Long Does It Take To Get A Title Loan?

Another thing you’ll be glad to know about getting Tennessee title loans is that the entire process, from approval application, takes very little time to complete. Here’s how it works:

  1. You can kick-start the application anytime by completing the online form on our website.
  2. One of our trusted representatives will give you a call to explain the process and answer your questions. 
  3. Head to the nearest Tennessee Title Loans, Inc. location to complete the remaining steps. Additionally, you can arrange to meet our loan representative at a convenient location—such as your home or office.
  4. No matter the location, the entire process can take as little as a half-hour to complete. That means you won’t have to disrupt your daily schedule too much when applying for a loan.
  5. Lastly, if your loan application is approved, you could get your money as early as the same day or by the next business day.

As you can imagine, the quick process makes this kind of loan particularly helpful, especially if you have a time-sensitive financial emergency.

How Much Can You Get With A Title Loan?

You could qualify to borrow as little as $300 and as much as $2,500 through a title loan. The exact amount you’ll get will depend on several factors, including the value of your car.

You must bring your car in for an inspection as part of the application process. Our loan representative will determine how much your vehicle is worth based on its condition and by referring to a nationally recognized pricing guide.

Can You Get Approved With Bad Credit?

At Tennessee Title Loans, Inc., our title loans are accessible to many applicants, even those with bad credit. So, you don’t have to rule yourself out if your credit is less than perfect.

You can still proceed with the loan application process whether your credit is good, bad, or non-existent. If you meet all the requirements above, your application will be considered just like any other.

woman with money from title loans

What Does The Tennessee Title Loan Process Look Like?

Naturally, the title loan application process can seem intimidating to applicants, especially if it’s their first time. Don’t worry, however. Here’s what you can expect the process to look like for you:

  1. First, you’ll start your application by completing the online form with the necessary details. One of the most essential details to provide is your contact information, so a loan representative can contact you shortly after you submit the form.
  2. Secondly, the loan representative will talk to you on the phone and explain the application process. They’ll ensure you have the necessary documents and then set an appointment to meet you in person.
  3. Thirdly, you’ll meet the loan representative in person so they can verify your documents and inspect your vehicle. Then, they’ll help you complete the application while waiting for the decision.
  4. Lastly, if your application is approved, you could receive the money on the same day or by the next business day. You’ll also get to keep your car and drive home with it!

Overall, the process is quick and straightforward. On top of that, you’ll have a loan representative guiding you every step of the way!

Start Now!

If you need to borrow money quickly, wait no longer! Contact Tennessee Title Loans, Inc by filling out the online form with your contact details and information about your car’s make and model. Submit the online inquiry form, and keep your phone near. Our loan representative from a nearby location will contact you soon!


Note: The content provided in this article is only for informational purposes, and you should contact your financial advisor about your specific financial situation.

Mason Roberts

Mason Roberts is a seasoned economics writer and blogger with a knack for breaking down and simply communicating the ever-changing world of finance. He is philosophically committed to the premise that financial knowledge equals financial freedom.