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Paying for Septic Maintenance Using a Car Title Loan

Homeowners that are not connected to a city sewage system connect to their own septic system. All waste waters from the home go to a tank (or several tanks) located either above or below ground near the home. Septic tanks need pumping once every three to five years to ensure proper operation of the entire system. Septic tank cleaning will vary based on the size of a tank and costs will usually run between $200 and $500. Often, homeowners will forget to budget for septic tank maintenance since it is not an expense that occurs monthly or even yearly. What do you do when your tank needs to be cleaned and emptied, and you don’t have the money? A car title loan can help.

A car title loan is a short-term loan secured by your vehicle. To qualify, you must own a car or truck, preferably less than 15 years old. It is advantageous is the car is paid off, but you can still take out a car title loan if you have a balance remaining on a car loan. At Embassy Loans, the process begins by completing an application either in person or online. The application is easy to complete and takes just a few minutes.

To process the loan, Embassy Loans requires some documentation. You must prove your identity (driver’s license), place of residence (utility bill), and show that you own your vehicle (title). Once you have passed all these verifications, your vehicle can then be evaluated to determine how much it is worth. You can check blue book values to give you an idea of your car’s value. With this step complete, all that is left is to draw up the final loan agreement. Once the agreement is signed, you can get access to the money and pay the bill for your septic maintenance.

The beauty of car title loans is that they do not require the lender to run a credit report. The loan is not based upon your credit history. Instead, the loan is secured by your vehicle’s title. Since Embassy Loans does not have to spend a good deal of time examining your credit history, the loan goes through much quicker than traditional loans from a bank. In many cases, borrowers gain access to their money in as little as an hour. Since most septic maintenance companies require payment upon the delivery of services, you should complete your car title loan before having your tanks cleaned.



Embassy Loans is a leading provider of auto title loans since 2005

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Embassy Loans Inc. is licensed under the “Florida Consumer Finance Act” and as such Embassy Loans is exempt from any licensing requirements under the “Florida Title Loan Act” to the extent that any of Embassy Loans’ activities involve the making of a loan of money to a consumer secured by bailment of a certificate of title to a motor vehicle.

Monthly Interest Rates range from 1.5% to 2.5% (18% to 30% APR), with 15-18 Month Terms.

No Prepayment Penalties!

Embassy Loans uses “Title Loans” for advertisement purposes only and provides auto equity loans. Embassy Loans Inc. is licensed under the “Florida Consumer Finance Act” under Florida Statute 516 and as such Embassy Loans is exempt from any licensing requirements under the “Florida Title Loan Act” to the extent that any of Embassy Loans’ activities involve the making of a loan of money to a consumer secured by bailment of a certificate of title to a motor vehicle.

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Frequently Asked Questions

What is an Auto Equity Loan?

An auto equity loan, sometimes known as a car title loan or a car equity loan, is a type of loan that allows you to borrow money by using your vehicle as collateral. The loan is secured by your vehicle, meaning you agree to use the equity in your car to back the loan. 

What is an Unsecured Personal Loan

An unsecured personal loan is a loan that does not require collateral. Funds are provided based on your credit worthiness and your ability to repay. 

What Is the Credit Builder Program

The credit builder program is designed to help individuals establish or improve their credit score with the primary purpose of building a positive credit history through regular payments.

Can i have more than one Loan at a time?

Embassy Loans can only extend one loan at a time and it’s advisable to start with one and focus on making payments in a timely manner to prevent default.

What happens if I miss a payment?

Missing a payment can have negative consequences, including late fees, a drop in your credit score, and potential default on the loan. Consistent, on-time payments are crucial to benefit from the program.