Frequently Asked Questions

Q. WHAT IS AN AUTO LOAN SECURED BY AN AUTO TITLE?
It's a loan where the lender holds the title as collateral.

Q. WHAT TYPE OF LOANS DOES IJLfinancial DO?
We specialize in auto loans secured by auto titles. We do have other options for items that can be titled with the DMV.

Q. WHAT DO I NEED TO GET A LOAN?

1. Your free and clear title for the car (name of applicant has to be on title)
2. Driver's license or a state issued ID card
3. Proof of Income (bank statements or pay stubs)
4. Spare Key (can do with out But will pay a lower rate)
5. Proof of address: A utility bill in your name (water, electric, trash, sewer)
6. Bring the vehicle you plan to use to get the loan.

Q. DO YOU NEED TO SEE MY VEHICLE?
Yes.  Bring it into our locations on your set appointment.

Q. HOW LONG DOES IT TAKE TO GET MY MONEY?
We usually can get your loan done in less than 45 minutes.

Q. CAN YOU LEND ON A TITLE WHICH IS NOT "CLEAR" - WITH A LIEN?
Yes! We can refinance from another lender! Call for details.

Q. DOES MY TITLE NEED TO BE "CLEAN"?
Rebuilt/Restored is okay! We simply run it based on the value. We are experts in getting the most value out of your vehicle.

Q. DO I GET TO KEEP MY VEHICLE?
Yes! You drive away in your vehicle, and with money in your pocket! As long as you stay current with your payments, you keep your car.

Q. HOW MUCH WILL YOU LEND ON MY VEHICLE?
We use state-of-the art methods to determine what the vehicle is really worth. We want to scale the loan so you can pay it off!

Q. DO YOU REPOSSESS MY CAR IF I'M LATE PAYING?
We really don't want your car, so work with us, and we'll work with you!