From the first form to cash in hand, the whole process is built to be done from your phone. Here's what happens at each step.
Step 1: Request a free estimate
Start with the estimate form: your vehicle's year, make, model, style and mileage, your ZIP code, and whether the vehicle is paid off. It takes about two minutes and there's no obligation. Prefer to talk it through? Call (817) 618-3159.
Step 2: Get your vehicle qualified
Your vehicle's value is estimated from current market data and checked against what you told us. Value is the biggest factor in how much you can borrow — loans can reach $50,000 for higher-value vehicles.
Step 3: Send your documents
If your vehicle qualifies, you'll finish a short application and upload your documents:
- Vehicle title in your name, with no other loan against it
- Government-issued photo ID
- Proof of income of at least $1,500 per month
- Proof of insurance and registration
- Photos of the vehicle, odometer and VIN
See the full list on our requirements page.
Step 4: Review, sign and get your cash
If approved, you'll see your loan amount, APR, payment schedule and total of payments before you sign anything. After you sign electronically, funds are sent by direct deposit, check or wire, and can arrive in as little as 24 hours.
What affects how much you can borrow
- Vehicle value — year, make, model, trim, mileage and condition.
- Income — payments have to fit your budget.
- Your state — state law sets minimum and maximum loan amounts and terms.
Before you sign
Compare the APR, the finance charge and the total of payments, not just the monthly payment. A longer term lowers each payment but raises the total cost. You can pay early at any time with no penalty.