More About Our Short Term Cash Loans

Our quick and easy loan process, low rates and friendly and courteous customer service sets us apart from other similar lenders. We can get you approved and funded within 2 hours of you submitting your loan application. We value our customers and recognize our customers second and third loans with a reduced interest rate and a free membership in our Gold Club. Call us for details.

A consumer finance loan is a loan for a set period of time, usually 12 months. You make monthly payments and your loan balance gets paid down with every payment you make.

In our consumer finance loan, your monthly payment includes principal and interest. The interest rate is much lower than a traditional title loan, allowing you to pay off your loan over a period of time.

Loans of America lends up to $25,000.

Our minimum loan is $500.

Yes, the state sets the maximum interest rate that can be charged. In many cases, Loans of America offers a reduced rate to customers on their second or third loan.

Yes, we have a refinance program. Call us for details.

The interest rate depends on how much you borrow. The more you borrow, the lower the rate. We offer loans starting at only 1.2% per month.

You can call our office for payment amounts

Yes, we encourage early payoffs. There is no prepayment penalty. Call and ask about our early payoff discount.

In most cases, you do need a clear title. Loans of America has a refinance program that will pay off your current loan and give you cash to use as you wish — including paying off your car loan. Call us for details.

Yes, you must have insurance. If you do not have prepaid insurance, call us about our alternative to prepaid insurance.

That is up to you. We can send you the money electronically and it will be available for pickup at hundreds of convenient locations within minutes.

Loans of America has been providing lending services since 1999 with thousands of satisfied customers. We have been in business longer than any other similar lender. We take pride in our outstanding customer service, and we treat all our customers with dignity and respect.

Anything. It's up to you. Many of our customers use their cash to catch up on bills, make repairs to their home or car, or even take a vacation.

At Loans of America we understand that at times, people fall behind. We work with all customers who contact us regarding a temporary lack of funds to make their payment.

No, we do not care about your credit score. However, we understand the advantages of a good credit score, which is why Loans of America reports your on-time payments to the credit bureau. This helps you rebuild your credit and improve your credit score.

No.

Yes, we ask for three references. We do not contact the references unless we cannot reach you.

Yes, Loans of America does not restrict car title loans to cars. We also lend on trucks, jet skis, boats and motorcycles.