Frequently Asked Questions

A Title Loan is a short-term loan for borrowers with a clear title (no current liens) to their vehicle. Your vehicle is your collateral. No credit check required! And you keep your vehicle while we hold your title as lienholder. Loans up to $2,500.00 based on vehicle book value. Loans are for 30 days, and are renewed automatically each month allowing you to make regular monthly payments.

If you have had credit problems in the past, you can still get the money you need. Since a Title Loan holds your title as collateral, you can use the value of your vehicle to access the credit you need. We can find a way to help you no matter your situation.

To process a Title Loan you will need the following:

• Clear Tennessee Vehicle Title (no current liens) in your name
  Kentucky Titles available at our Clarksville location.
• Government Issued Identification (Driver's License is most common)
• Proof of SSN (Social Security card or other government document)
• Proof of Income (Bank Statement with Direct Deposit or Pay Stub) - SSI Welcome!
  For loan amounts $500 or less, this can be optional. We will work with you!
• Proof of Address dated within 30 days (UtilIty Bill is most common)
• Your Vehicle
  Don't worry. You will keep your vehicle. We just need to perform a vehicle inspection and verify the VIN. And bring a spare key for us to keep on file, if available.

A Payday Loan (or Cash Advance) is a fee-based deferred check or authorization on your banking checking account. We hold a personal check until your next payday. Ideal for a simple advance when you need a little extra cash to get you by until your next payday.

If you have a regular source of income and a traditional checking account, we can help. It's that simple!

To process a Payday Loan you will need the following:

• Government Issued Identification (Driver's License is most common)
• Proof of SSN (Social Security card or other government document)
• Proof of Income (Bank Statement with Direct Deposit or Pay Stub) - SSI Welcome!
• Traditional Checking account bank statement dated within 30 days
• Personal Check or Direct Deposit form from your bank
  Bring your checkbook if you have one. If not, no problem! We can generate a valid check or authorization for you.

For our loyal and established customers, a Signature Loan is a loan with regular monthly payments that can function as a line of credit. As you pay on your loan and your balance decreases, you can access available credit as needed.

As an additional option for our established customers, ask our friendly staff about how you can get the extra money you need today.

To process a Signature Loan you will need the following:

• Government Issued Identification (Driver's License is most common)
• Proof of SSN (Social Security card or other government document)
• Proof of Income (Bank Statement with Direct Deposit or Pay Stub) - SSI Welcome!
• Checking account bank statement dated within 30 days
• Personal Check or Direct Deposit form from your bank

Yes! These are the same requirements as a Payday Loan. We may have all of your information already on file!