What is a Car Title Loan?

An auto or car title loan is a short-term loan that provides quick funds by using your paid-off vehicle as collateral.

What Do I Need to Get a Auto Title Loan?

To obtain an auto title loan, you need your vehicle, a copy of the key, a state or government ID, verifiable income, auto insurance, current registration, and a current utility bill.

How Long Does it take to Get a Car Title Loan?

Money Express can process your car title loan in less than 30 minutes.

Do You Take Debit Cards?

Yes, we accept debit cards and can arrange for monthly payments if desired.

What If I Cannot Make a Payment?

If you're unable to make a payment, please contact us. As a local company, we strive to work with you during difficult times.

Do I Get to Keep My Vehicle When I Get an Auto Title Loan?

Yes, you retain possession of your vehicle with an auto title loan.

Does My Car Have to be Paid Off?

Yes, your car must be paid off to qualify for a car title loan.

What types of loans do you offer?

We provide various types of loans, including personal loans, cash advances, and secured loans.

How quickly can I receive funds after approval?

Once approved, you can expect to receive your funds within minutes to a few hours, depending on the method chosen.

What are the eligibility criteria for a loan?

Eligibility criteria typically include a stable income, an active bank account, and being at least 18 years of age.

Is this a secure process?

Yes, we ensure a completely safe and secure transaction process.

How much can I make from my stuff?

The value will depend on the items you have; we provide free appraisals to determine worth.

What if I don't get my money?

We have a reliable payment procedure; in the unlikely event of an issue, we will address it promptly.

What types of loans do you offer?

We offer title and personal loans ranging from $500 to $10,000.

What are your interest rates like?

Our loans are typically cheaper and have lower interest rates than usual title or payday loans.

Do you report to credit bureaus?

Yes, we report loans to credit bureaus to help our customers build their credit.

What services does Alpine Gold offer?

Alpine Gold provides services such as gold and silver leases, precious metals exchange, and legal tender management.

How can I become an authorized partner?

To become an authorized partner, visit our website and follow the instructions in the 'Become an Authorized Partner' section.

Goldbacks are a type of legal tender note backed by gold, intended for everyday transactions and wealth preservation.

What type of electronics do you accept for trade-in?

We buy a variety of electronics including smartphones, tablets, laptops, gaming systems, digital cameras, and more.

Do I need an appointment to sell my electronics?

No appointment is needed; you can visit us at your convenience during our business hours.

What happens to my data when I sell my device?

All devices are professionally data wiped to ensure your information is secure before resale.

What loan products does Granite Loans offer?

Granite Loans provides installment signature loans with a simple application process, which can be completed online or over the phone.

What is an installment loan?

An installment loan is a sum of money borrowed from Granite Loans that is repaid with interest through equal payments.

What is a Signature Loan?

A signature loan allows you to obtain a personal loan based on your signature and proof of income, up to $1,000, with terms up to 180 days.

How soon will I get my money?

Once your application is approved by 6 p.m. ET, funds can be electronically deposited the next business day.

What are the primary requirements to obtain a loan?

You must be at least 18 years old, a U.S. citizen or Permanent Resident, a Utah resident, currently employed or have steady income, and have a bank account.

Granite Loans does not charge an application fee, and all fees are disclosed during the application process.

How do I sign my loan agreement?

You can sign your loan agreement by logging into your account and reviewing the agreement.

What kind of bank account is required to apply for a loan?

A bank account that accepts ACH transfers is required for applying, but other funding methods may be available.

How do I know if I am approved?

You will be notified of your approval status after your application is reviewed.

Are loans with Granite Loans secure and confidential?

Yes, all transactions are conducted on secure servers, ensuring complete confidentiality of your information.

Can I cancel my loan?

Yes, you can cancel your loan without penalty within 3 business days after the effective date by contacting Customer Care.

How often will my payments be due?

Payments are typically due bi-weekly, aligned with your pay cycle.

What if I pay late or miss a payment?

You should contact Customer Care as soon as possible for assistance.

How do I make an early payment?

You can make early payments without penalties; simply contact Customer Care.

How do I payoff my loan in full?

You can pay off your loan in full at any time without penalties, via Customer Care or your online account.

Tips for short-term installment loan borrowers?

Consider budgeting your paycheck, paying down the principal, and being aware of your loan length to minimize financing costs.

How can I be sure that I am getting a good price for my gold?

Utah Gold Buyers provides a live gold and silver feed on our website so you can see the current rates.

How do I determine what karat my gold is?

Gold jewelry is usually engraved with its karat, indicating the percentage of gold. We also have equipment to check the purity.

Do all Salt Lake City gold buyers pay the same?

No, prices can vary significantly among buyers, and few pay top dollar for gold and silver.

How and when do you pay for the gold?

After assessing the weight and purity, we make a cash offer. If accepted, we also collect identification and provide immediate cash.

How is gold purity determined?

Purity is measured in carats, with 24 karat gold representing 99.9% pure gold. We evaluate it using specific measurements.

How do I find what the price of gold is today?

You can check our live prices on the website or call us for an up-to-date quote.

How many karats is pure gold?

Pure gold is defined as 24 karats and can be further refined to specific fineness levels.

What must I do to sell my gold?

Visit our store with a valid ID and the gold items you wish to sell; we're happy to provide estimates and directions.

Will I get more for gold if it has diamonds in it?

Yes, we offer better prices for gold with diamonds, estimating small diamonds at around $70 per carat.

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