FAQ’s
Can I qualify if I am currently in Bankruptcy?
Unfortunately, if you are currently involved in a personal bankruptcy, we are not able to offer a loan to you at this point. However, when you are discharged from bankruptcy and you find yourself in need of a loan, we will be happy to consider you for a loan!
Do I need to have my original car title to get the loan?
Yes, you have to have your original car title. If you have lost it, you will need to get a replacement from your local Department of motor vehicles.
What if I already have a title loan on my automobile?
If you already have a title loan, we still might be able to help you! Atlantic Credit and Loan will be able to compete with your current loan by offering you a better loan. We can buy out your current title loan from another lender. Please call to discuss with one of our Loan Specialists.
How long will it take to find out if I am approved?
Most of the time within 24 hours! Once you have finished the application steps on our website, a loan specialist will be in contact with you. That representative will answer any questions you might have and explain the loan process to you. We give final approval once we value your car or asset and your information can be verified.
After my loan is approved, when can I get my check?
Once your approval is processed and approved, we can transfer the money to your bank account immediately!
How much money can I get in a loan?
The value of your car or asset and your ability to make payments will determine the amount of the loan.
What does my credit score need to be to get approved?
We don't check your credit score unless your wish to apply for a lower rate loan product from Atlantic Credit and Loan. Our company does not base loan determinations on your credit score. We make loan decisions based on your assets not your credit score or if you have good credit, no credit or bad credit. Your loan with Atlantic Credit and Loan is also not reported to the credit breaus. We simply need proof of identification, residence, and the car title.
What if I can’t make a payment on time?
Contact us! Always contact us before the due date. Payments must be made by the due date in order to avoid complications. Late payments (or returned payments due to insufficient check funds) will add additional fees. We make it easy for you to pay with automatic withdraw or electronic transfer payment through email. If, for some reason, you find that you are not able to make your payment as scheduled, please contact us right away to see if special arrangements are possible. We want you to have a successful loan repayment experience!