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Credit Reporting

Discount Car Title Loan

How can I build my credit with a loan referred through Discount Car Title Loan?

Our professional lenders in Texas have the ability to report accounts to TransUnion, which is a major credit reporting agency. Personal loans are typically reported and title loans are usually not reported by our lenders. When payments are reported, they will be reflected positively in your credit report if you make payments on or before your due date and repay your loan in full. Generally, it takes at least 6 months of positive payment reporting to create a credit score, although this may vary by credit reporting agency and score.

How will my loan referred to by dtloans.com be reported to the credit agencies?

At Discount Car Title Loan, Texas, our car title loan products report accounts, including timely payments, incidents of delinquency, and the payoff of a loan, to TransUnion, a major credit reporting agency, every month.

If I have bad credit, can I still get a loan through a Discount Car Title Loan Online lender?

At Discount Car Title Loan we work with all types of credit! Our minimum requirements to obtain a loan in any of our locations in Texas are as follows: you are at least 18 years old, must have a steady source of recurring income payments, must reside in the state you choose for your loan application and have no active bankruptcies or presently intend to voluntarily file for bankruptcy relief. After filling out a loan application, which can be started here, you will get your personalized loan terms directly from the lender you select. Your loan agreement will show you the monthly payment, your interest and fees, your discounted rate, and your APR.

Can I get a loan if I am on active military duty?

At Discount Car Title Loan we currently do not serve active military. Consumers may not not be a regular or reserve member of the Army, Navy, Marine Corps, Air Force, or Coast Guard, serving on active duty under a call or order that does not specify a period of 30 days or fewer or a dependent of a member of the Armed Forces on active duty.

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Discount Car Title Loan

* To be approved for a Title Loan.You must be at least 18 years of age. Approval is subject to vehicle inspection and appraisal.

**In Texas, Vin-Title, LLC (d/b/a Discount Title Loan) Will act as a Credit Services Organization to assist you in obtaining a loan. Your loan may be made by an unaffiliated third party Lender. Please see the store associate for details.

SCHEDULE OF ALL FEES

OCCC NOTICE

This service is not available in all areas. If you request a car title loan in a particular area where such loans are prohibited, or in a location where we do not have an available lender, you will not be connected to a lender. You are urged to read and understand the terms of any car title loan offered by any lender and to reject any particular loan offer that you cannot afford to repay or that includes terms that are not acceptable to you.

This service is not available in all areas. Our online loan service readily serves your need to connect with a quality car personal loan. The process takes a few minutes. Fill out our secure online loan questionnaire and we will send an encrypted copy for us to approve. Once you submit your information you will be able to review the terms of the personal loan, including details about all the applicable rates and fees. If you accept these terms, you may deposit money directly into your bank account, in many cases, as soon as today!

Lender’s Disclosure of Terms.The lenders will provide documents that contain all fees and rate information pertaining to the loan being offered, including any potential fees for late-payments and the rules under which you may be allowed (if permitted by applicable law) to refinance, renew or rollover your loan. Loan fees and interest rates are determined solely by the lender based on the lender’s internal policies, underwriting criteria and applicable law. You are urged to read and understand the terms of any loan offered by any lender and to reject any particular loan offer that you cannot afford to repay or that includes terms that are not acceptable to you.

Late Payments may Hurt Your Credit Score.Please be aware that missing a payment or making a late payment can negatively impact your credit score (for personal loans). To protect yourself and your credit history, make sure you only accept loan terms that you can afford to repay. If you cannot make a payment on time, you should contact your lender immediately and discuss how to handle late payments.

What we do. Discount Car Title Loan is not a lender and does not make loan or credit decisions. We connect interested persons with lenders from our approved personal loan and car title loan network. We do not control and are not responsible for the actions or inactions of any lender, we are not an agent, representative or broker of any lender. Our referral service is always free to you.

On-line Marketplace.Our goal is to get you the best title loan rates and title loan terms in the market. We have also made the process simple. No need to visit hundreds of websites and fill out numerous paperwork.

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