No one is immune from a situation where large financial resources may be needed. But what if the money is needed urgently? Here your own car will come to the rescue. It is as a pledge of a car that you can take out a loan at pawnshop in Moscow . When there is no time to wait for the approval of the application, contacting a private credit institution is the best solution.
Obtaining a loan at a car pawnshop has its advantages:
- slight overpayment if you take out a loan for a short time;
- bad credit history and lack of an official place of work will not be an obstacle to receiving money;
- you will not be asked for what purpose you are taking out a loan;
- you get your hands on about eighty percent of the value of the car on the market;
- the car will be assessed and a loan will be issued right on the day of application.
If you do not want to part with the car for the loan period, you can take out a loan under the TCP. In this case, the car will remain at your disposal for the entire duration of the agreement. This is a good option for those whose work involves constant movement by personal transport or for those who are simply used to comfortable travel.
As a rule, the interest rate in a car pawnshop in our country does not exceed 3-4% per month, when it comes to a loan for a car, a loan for a PTS will cost a little more - from 6%. This happens due to the presence of specific risks in the form of an accident, the sale of a vehicle for parts, etc.
To take out a loan secured by a car, you need to own it. But even if the collateral is not in your ownership, you can still apply for a loan if you have a general power of attorney. You will also need:
- passport;
- PTS;
- vehicle registration certificate.
You can apply for a loan by calling the pawnshop or filling out a special form on the website. When visiting the office, do not forget to take the above documents with you. Your machine will be inspected for major internal and external defects. Specialists will authenticate the documents and find out if the car is on the wanted list or pledged to another institution. If there are no complaints, all that remains is to conclude a loan agreement. It contains all the details regarding the fulfillment of obligations, interest rates and other nuances.
But before you take money on the security of a car in a pawnshop, read the reviews about it. A reliable company has many clients and has been in the lending business for at least several years. Be careful when signing the contract and do not cooperate with organizations offering too low an interest rate - most likely they are scammers.
