If you are thinking about getting a title pawn in Alabama, it's worth knowing how long you can expect it to take. After all, emergencies like medical bills, veterinary fees, or home repairs need to be paid for quickly to avoid long-term financial damage.

Unfortunately, like most things financial, specific times vary. In this guide from Alabama Title Loans, Inc., we will explain the typical length of the process and when you can expect to receive your money.

A General Timeline For Title Pawn Approval

While it is hard to provide a specific, guaranteed time frame for title pawn approval, we can provide a general idea based on the average time it takes our customers to complete each stage. Throughout this segment, we will break down the entire process and let you know the expected duration for each step.

Here are the steps and their durations, along with explanations:

1. Initial Request Form

To start the process, you will need to submit our online request form. Since we only ask for basic information, this won't take too long to complete. On average, you can expect to spend less than five minutes filling in the fields.

The information required on your online request form includes:

• Your name
• Zip code
• Phone number
• Email address
• Vehicle details (make, model, and year)

After that, you will need to wait for a call back from one of our representatives. We try to get back to you as quickly as possible. However, depending on order volume, it may take longer than expected. That said, you can expect a call back on the same day!

2. Phone Call

The phone call duration varies, based on the number of questions you have for us and your understanding of title pawns in general. We want you to be fully informed before continuing with the rest of the process.

You can expect to be on the phone for at least 10 minutes as we discuss the process, answer questions, confirm you have the requirements, and set a meeting date and time. You will have to agree to meet us at the nearest Alabama store location.

3. In-Person Meeting

Once you have arrived with your required items, we will sit down with you and check out your paperwork, ensuring your details match and that your title is lien-free. We will also inspect your vehicle to determine its value, thus establishing how much you can borrow. We offer up to $15,000 based on your car’s value.

Here are the factors that can influence title loan value:

• Year (the longer the car has been used, the less it is likely worth)
• The odometer reading (the lower the better; high mileage typically means lower value)
• The make and model (some models are pricier than others)
• The completeness of the service history (a complete service history will improve the value of your car)
• The vehicle's condition (both mechanical and electrical condition)
• Any modifications (changes like aftermarket exhausts, custom paint jobs, decals, spoilers, etc. negatively impact the value)

This whole process takes less than 30 minutes. You can then proceed to finish up the process by filling out paperwork.

4. Receiving The Loan Payout

Provided you are happy with the amount we can offer, you can fill out our loan agreement to finish the process. It will take just a few moments to sign the documents.

You will then receive the money you qualified for either the same day you apply or by the next business day. We try to process your payout as quickly as possible to ensure you can fund your emergency swiftly and without stress. However, timescales do vary on a case-by-case basis, so we suggest starting earlier in the day to improve your chances of same-day cash. 

Aside from the time it may take to receive your money, the process from start to finish generally takes 1.5 hours. However, as you are about to find out, there are a few things that can slow it down. For fast title pawn approval, you should aim to avoid common mistakes.

Avoid These 4 Common Title Pawn Mistakes That Can Slow The Process

Unlike other loans, getting a title pawn in Alabama — especially when choosing us at Alabama Title Loans, Inc. — is an incredibly quick process. There aren't any long waits, allowing you to get money as quickly as possible.

However, as mentioned above, a few factors will significantly slow the process:

1. Not Having The Required Items

When you arrive for the in-person meeting at one of our branches, you will need to have all of the required items necessary for title pawn approval. Not preparing these items beforehand can delay the process and lead to you not getting approved.

Here are the required items for a title pawn:

• A state-issued photo ID that displays your full name and date of birth
• A lien-free vehicle title in your name
• Your vehicle for an inspection

Avoid this mistake by collecting all of these items before filling out our online form. That way, you can go directly from the phone call to our Alabama store to wrap things up quicker.

2. Having A Non-Lien-Free Title

You must own your car, truck, or van outright to access title pawns in Alabama. To prove this, you will need to provide a lien-free title. However, if you do not have this type of title, you will have to wait until you do to carry on with your request. 

Keep in mind that if you have an outstanding finance on your car, you will not have a lien-free title. To save you time and stress, don't try to get a title pawn with a finance agreement. Repay the auto loan, receive your new, clear, and free title, and then request a title pawn from us.

3. Name Mismatches Across Documents

Another incredibly common mistake that doesn't just slow but halts the process is name mismatches across your documents. 

The name on your identification (e.g., passport, driver's license, student ID card) must match the name on the vehicle title. If it does not match, you will need to head to your local Department of Motor Vehicles office to request a title transfer. As soon as the transfer is complete, you can continue with the process. 

Ensuring your names match on your documents is one of the best ways to ensure fast title pawn approval. 

4. Incomplete Personal Information On Initial Request Form

During the initial inquiry form, we will ask for your basic personal information. Failing to provide certain information or providing inaccurate information will stop or slow the process. 

For best results, double-check the information you supply on the online form. Getting it right at this stage will help you avoid this common, processing-slowing mistake.

Get A Title Pawn In Alabama – Borrow Up To $15,000 Today!

Do you need fast access to emergency cash? No matter what your emergency is, Alabama Title Loans, Inc. can help you get approved today. The whole process can take less than an hour if you know what you’re doing; you can even fit it into your lunch break. Get started today by filling out our online title loan form and visiting us in person to get approved at our store in 30 minutes!

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