You can do it using any device – phone. You’ll need to speak with your lender and request a refinance. A title loan calculator can be a useful tool for you to take advantage of if you do not know whether your car has enough equity to qualify as collateral for a title loan! You can use LoanMart’s online title loan calculator tool to obtain an estimate of your car’s equity and a quote, free of obligation. Not rated yet. Calling our dedicated Virginia team at (703) 595-2440 and making a debit card payment over the phone. No one had told me that when I refinanced the loan that the date changed. Manage your account with ease – anytime, anywhere. When you refinance a title loan, you’ll need to apply for a new loan with a different lender. – In Tennessee, TitleMax offers title pledges, and secured and unsecured Lines of Credit (“LOC”). As of February 2022, a Nevada state-wide database check is required as a condition to getting a title loan or high interest loan in Nevada. 10:00 am - 7:00 pm. Renewing a loan means you are taking out . We are located near Subway, in between Papa John’s and Huddle House. Maximum loan amount in Tennessee is $6,500, assuming customer qualifies for and accepts both the pledge max of $2,500 and Secured LOC max of $4,000. It is best to talk to your title loan company or your title loan lender to see if there are ways to work out the rest of your payments without losing your car. By choosing a buyout, you can benefit from better terms, lower interest rates, and more manageable repayment options. Car title loans available in Alabama, Arizona, Delaware, Georgia, Kansas, Mississippi, Nevada, New Mexico, South Carolina, Tennessee, Texas, Utah and Wisconsin. However, most lenders do not start the repossession process immediately: If you miss a payment, many lenders will give you the option to extend the term or pay. However, since the car is used as collateral, you may. Be at Least 18 Years Old. Like refinancing, your new auto title lender then replaces your old title loan with a new one, ideally at lower. Louis area and are in need of some fast cash, stop by the South Kings Highway Boulevard TitleMax store or call us today at (314) 881-6164 to get approved for a title secured loan or personal loan fast. Repayment Schedule. PLEASE NOTE: Fees apply. You may be able to refinancе іn order to obtaіn a lower іntеrest ratе on your title loan, a longеr rеpayment pеriod, or evеn a largеr loan. Based on its size and scale, potential borrowers. Refinancing a title loan works in the same way as refinancing any other type of loan. Apply Now. Since 1998, TitleMax has been providing title-secured loans to borrowers when they need it most. Call a Max Cash Title Loan agent to learn more! Just dial 855-561-5626 today- agents are available seven days a week to take your call. Best Car Title Loan Refinancing Companies. Las Vegas residents who are faced with an emergency expense and need money quickly will be thrilled to learn that we have more than 1,000 convenient TitleMax store locations in the United States and more than 25. Apply for a Car Loan Refinance. We issue bad credit car title loans without confirmation of solvency and financial solvency. To take advantage of a buyout, you find a title loan company willing to buy out your existing title loan, essentially paying off your existing title lender. Refinancing is not available in Nevada, or for Mississippi or Tennessee Pledge products. Title-Secured Loans, Secured LOCs and Title Pawns: Maximum pledge amount in Mississippi is $2,500. 36. This doesn’t change the terms of. That way you can be prepared and know what to expect. In some cases the lender may also put a GPS tracker on your car to help them locate it if it is repossessed. This is the second time TitleMax has been found in. Interest Rate: 180% APR. When you. Not all lenders will refinance a title loan, but you can shop around to find someone willing to work with you. m. Oct 16, 2018. Have access to your car title. We are located between the Marco’s Pizza and the Shell Gas Station, across from Sticks n’ Stuff, McDonald’s & Burger King. With LoanMart, you can expect great customer service, a convenient loan application process, and perks that add to your loan experience!¹ Visit the FAQ page to learn more about car title loans serviced by LoanMart. Q&A: How title lending works. The application process is easy. Every day, TitleMax helps thousands of people get the cash they need with a title loan, title pawn or now in select states, with a personal loan. Teach more about the pros and cons von getting a. Conveniently check the balance of your account, payment history, and payment due date (s). These loans are unsecured, so while they’re typically for small amounts, you can apply for them without collateral. We will work to give you fast approvals with your current credit as a small factor, and your ability to repay. 4 reviews. We are located in front of Walmart in Bedford. Only one loan (either title-secured or personal) allowed per customer, inclusive of other lenders. g. Fri: 10:00 am - 7:00 pm. If you and your lender agree y, ou can renew your loan. Auto Title Loans in Las Vegas, NV. Title loans usually carry these requirements. a . The Knoxville Pike TitleMax store has been providing residents of the Knoxville area with title loans since April 2005. ACE maintains physical locations in 23 states that can process your application. Cash-Out Refinance Loans Benefits: Access to Home Equity: Cash-out refinance loans allow you to tap into your home's equity for various purposes, such as. When applying for a title loan in Delaware, there are certain things you’ll need to bring to your local TitleMax. Same Day Cash: TitleMax claims to have quick approval for a title loan online. Only one loan (either title-secured or personal) allowed per customer, inclusive of other lenders. If you had the money, you wouldn’t have borrowed in the first place. LoanMart connects consumers with a title loan they need when they need it. If you live in or around the greater. If you take a title loan, you will need to get through a car inspection. If at all possible, it’s best to avoid car title loans completely. You will need a copy of the original title loan document, the title for your. A title loan lets you borrow against your vehicle so you can get the $1,000 quickly. These loans could also include documentation fees, processing. Article Summary: How much you can get for a car title loan depends largely on how much cash your car is worth. We strive to provide loans with interest rates competitive to other comparable companies. 39,” the claim states. Note: The name on the form should match the name on your title. The monthly interest rate on title loans is typically around 25 percent, but it can soar to 50 percent, and it’s not unheard of for a lender to charge a mind-blowing 90 percent per month for interest on a title loan. 37 total. 1. Stay current on your payments. Send in Your Information – To get started on your Title Loans Refinance, you can call Max Cash Title Loans at 855-561-5626 or visit us online and send in your information virtually. With easy small personal loans, starter loans, and business loans, people can opt for loan restructuring and refinance options. TitleMax: Bad, Terrible, or Horrific? TitleMax is one of the largest title lenders in the nation, with over 1,400 stores in the 17 U. If you live in or around the greater. You can. Jun 29, 2017. Las Vegas residents who are faced with an emergency expense and need money quickly will be thrilled to learn that we have more than 1,000 convenient TitleMax store locations in the United States and more than 25 locations in the city of Las Vegas. Car title loans use your car as collateral, so if you default on a car title loan, the lender can repossess your vehicle. 00 been receiving phone calls from a female who is not stating what company she is with i Googled the number and it was identified as titlemax i didn't receive a copy of the loan agreement so I have no idea what the interest rate is im a 100% disabled combat veteran so i wonder what laws. TitleMax offers personal loans up to $2,500. The borrower must provide details about their income, credit score, and vehicle. See more reviews for this business. In this way, can I refinance my title loan with TitleMax? If you have an existing title loan from another company, you’re in luck with TitleMax®. Refinancing is not available in Nevada, or for Mississippi or Tennessee Pledge products. Can I Refinance My Title Loan? The answer is yes, you can refinance your title loan. The new lender should be able to request a lien release and updated title from your old lien holder once the balance has been paid. Only one loan (either title-secured or personal) allowed per customer, inclusive of other lenders. states that only marginally regulate this type of loan, if they regulate them at all. Let’s face it; if you had the money, you wouldn’t have taken out the car loan in the first place. Loan Center offers car title loans in. To apply for a TitleMax personal. 1. Does TitleMax check your credit? Manage your account with ease – anytime, anywhere. However, most lenders do not start the repossession process immediately: If you miss a payment, many lenders will give you the option to extend the term or pay back the. 86%, according to Curinos, while 15. Loan Term: 30 days. ) Typically, these loans are due back in full 30 days later. After you narrow down your list of options to the best offer, apply directly with that lender online or over the phone. , and Saturday from 10:00 a. Account approval requires satisfaction of all eligibility requirements, including a credit inquiry, a motor vehicle appraisal and a review of title condition. When you take out a title loan, your vehicle’s equity is used as collateral for the loan, with funding amounts up to 20k. The secret to how to make more money often involves making the right investment at the right time. A title loan buyout is an agreement between two lenders offering title loans. The Best Online Title Loan Companies. across the street from Olive Garden and Dirt Cheap. Consumers can get approved for car and motorcycle title loans up to $10,000 in about 30 minutes with no prepayment penalty. Calling our dedicated Virginia team at (703) 595-2440 and making a debit card payment over the phone. or. m. DeKalb Street TitleMax store or call us today at (803). New Mexico Title Loan Repayment Options. 1. Continue driving your car during repayment, unlike a traditional loan or pawn arrangement. 3 stars. Requirements for loan approval without verifying income. Refinancing is not available in Nevada, or for Mississippi or Tennessee Pledge products. It's a 2013 Nissan Altima. Average of 83 Customer Reviews. Understand the process. Loans available from $2000 to $30,000. A title loan is an easy way to get cash using your car title instead of your credit score. , across the road from McDonalds. Features of Refinancing Your Title Loan. We are located on 1st Avenue north of Grant Road right next door to Cricket. Only one loan (either title-secured or personal) allowed per customer, inclusive of other lenders. In order to get the title to your car back, you have to repay the loan principal in full, plus interest and fees, usually within 30 days. The only way to get the title back would be to either pay the debt secured against the car or negotiate a lesser amount to satisfy the lien. If you have questions about your loan terms, proof of insurance, loan payments, refinancing, payment history, or anything else related to your auto title loan, we are here to help. The exception is if you already have your loan with us and you're taking cash out to pay off debt at closing. If you live in or around the greater Greenville area and are in need of some fast cash, stop by the N. As long as you hold a lien-free auto title, you can use your car as collateral for a loan. As of February 2022, a Nevada state-wide database check is required as a condition to getting a title loan or high interest loan in Nevada. Both loans have a short repayment period. Can I Refinance My Title Loan With Titlemax; Can I Refinance My Title Loan; Can I Refinance My House And Put My Sister’S Name On Title And Loan; Can I Refinance My Car Title Loan In Another State; How Many Times Can You Refinance A Car Title Loan; Can You Refinance A Title Loan; Does Titlemax Refinance Title LoansTitleMax. com Even if you do not pay a lower interest rate, there are still some benefits to refinancing your. Renegotiate the terms with the lender. This doesn’t solve the main problem (that you’re short on cash), but it can stop the bleeding. Title loan lenders will usually let you borrow between 25% to 50% of the value of your car, and a minimum loan amount can start as low as $100 but go up into the five figures. There are more than 130 TitleMax® locations in the state of Texas. Titlemax offers car title loans of all durations, with no credit check, and in minutes. We are located on Quintard Avenue in the old Captain D’s building next to Arby’s and across from Burger King. TitleMax: TitleMax is a national. – In Tennessee, TitleMax offers title pledges, and secured and unsecured Lines of Credit (“LOC”). Proof of insurance. We are located on the north west corner of Prince and Flowing Wells across from Walgreens and behind Wells Fargo. The lender can offer nearly instant cash, but in return holds the title to your vehicle until you repay the loan—and may take ownership of it if you're unable to repay the loan as agreed. Long answer: If you pay with certified funds like a cashier's check or money order, the title or lien release will be mailed within four business days following receipt and processing of the payment in accordance with your state's requirements. It is just wrong. Houston-area TitleMax stores accept cars of any make, model, or age. Title Loan Amount – this is the amount you want to borrow. Refinancing a car loan requires consent from both the borrower and the lender. Asking the lender for just a little extra. m. The Miles Rd TitleMax store provides residents of the Summerville area with title secured loans & personal loans. The application process might cause your credit score to decrease by a few points. You’ll need to speak with your lender and request a refinance. Only one loan (either title-secured or personal) allowed per customer, inclusive of other lenders. Pleasantburg Drive TitleMax store provides residents of the Greenville area with title secured loans & personal loans. This helps to ensure that you are the owner of the vehicle. When You Apply to Refinance Your Title Loan, We’ll. Title loans are typically flexible with the types of cars that are accepted as collateral. As of February 2022, a Nevada state-wide database check is required as a condition to getting a title loan or high interest loan in Nevada. 1 Title-Secured Loans, Secured LOCs and Title Pawns: Maximum pledge amount in Mississippi is $2,500. This should not be allowed. They only work with credited lenders and are recognized by Consumer Affairs as the top-rated title loan processor in the country. In order to refinance a tіtlе loan, you must fіnd a nеw loan wіth better tеrms and condіtions to replacе your еxisting auto titlе loan. If a Title Loan buyout sounds like it could be the right choice for you, you have come to the right place! Max Cash® Title Loans is proud to be the #1 Nationwide Title Loan Marketplace and wants to find you the best deal! Whether you are looking for a title loan refinance or a brand. 2 stars. The TitleMax store on Wanamaker Rd. We currently serve the Austin, Corpus. Let the experts at Max Cash Title Loans guide you through the next steps. look. Check out all of the perks to getting a TitleMax motorcycle title loan below: Quick Approval. As long as the car has enough equity, it may be deemed eligible for collateral. Call (855) 561-5626 for instant approval 1. Maximum loan amount in Tennessee is $6,500, assuming customer qualifies for and accepts both the pledge max of $2,500 and Secured LOC max of $4,000. Calling our dedicated Illinois team at (847) 598-7378 and making a debit card payment over the phone. To take out a loan/pawn, you will: Give us your car title. or. Try 25 percent a month for a title loan, which is equal to 300 percent APR. Maximum loan amount in Tennessee is $6,500, assuming customer qualifies for and accepts both the pledge max of $2,500 and Secured LOC max of $4,000. TitleMax is one of the nation’s largest title lending companies. Your title loan size may be determined by the amount of cash you need, your vehicle’s value, and your ability to. As long than you can a lien-free title, you may qualify for a loan of up into $10,000. Title loans are illegal in most states and are heavily regulated in others. The E. A title loan uses collateral (your car) to secure the loan. A fixed-rate loan from a bank, credit union, or online lender is often less expensive than rolling your title loan over month after month. That’s why in many cases we can refinance any title loan you already have with a lower rate TitleMax title loan and pay off your existing title loan. Manage your account with ease – anytime, anywhere. Fill out some basic paperwork to begin the loan process. 8 reviews of TitleMax Title-Secured Loans "After doing business with several different title loan companies, this one was by far the best. A typical TitleMax title-secured loan or pawn varies between $1,000 and $10,000 1. Ways to Get Out of a Title Loan. If you find yourself in one, though, you can try the following things to legally get out of it: Pay off the loan. – In Tennessee, TitleMax offers title pledges, and secured and unsecured Lines of Credit (“LOC”). TitleMax Anika & Sophia ROCK the HOUSE! TitleMax Looking to get approved for a loan; I walked into TitleMax on W. Get a Title Loan in Mobile. The client does not need to provide certificates of earnings and collateral or look for guarantors. $2,500 to $50,000. Unlike a traditional pawn shop that will store your property as collateral, when you pawn your title at TitleMax®, you get to keep your vehicle while you make payments on your loan. Now customers can manage accounts. If you live in or around the greater Mobile area and are in need of. 1 Title-Secured Loans, Secured LOCs and Title Pawns: Maximum pledge amount in Mississippi is $2,500. This can take care of the problems you are having with that particular lender. Submit a pre-qualification request with no impact to your credit score. Louis area and are in need of some fast cash, stop by the South Kings Highway Boulevard TitleMax store or call us today at (314) 881-6164 to get approved for a title secured loan or personal loan fast. We are located on S. 2. Surrender the Vehicle Voluntarily. We are located between the Marco’s Pizza and the Shell Gas Station, across from Sticks n’ Stuff, McDonald’s & Burger King. The things you will be asked to fax, email, or text are: Official Photo Identification. Fees from 35. Must present valid government issued ID. Applicants can apply for amounts up to $2500 maximum 3. com, enter your phone number, select your goal (e. Minimum loan amount for title-secured loans in South Carolina is $601. 2. The exact amount you can borrow also depends on your state, but in general, you may qualify for anywhere between $2,600 to $10,000. Refinancing an auto loan means that you're getting a new loan to replace your old loan. Sunset Road TitleMax store has been providing residents of the Henderson area with car title loans and personal loans since May 2011. They have been able to service over 250,000 customers with title loans since 2002. There is a $100 minimum credit amount requirement. 2. You can take a car title loan in all 14 states where TitleMax is present. Car title loans can be very expensive. Sat: 10:00 am - 4:00 pm. We understand the importance of getting cash fast in the event of a financial emergency. We are located at Mountain Vista and Sunset Road where Sunset meets Sunset in the Smith’s shopping center. We are located on the north west corner of Prince and Flowing Wells across from Walgreens and behind Wells Fargo. 00 referral fee for new and returning customers Get your title back if you a loan anywhere else in town take it to title max so. Refinancing is. CFPB has ordered TitleMax to pay a $10 million penalty for violating laws, extending illegal title loans and overcharging military families. When you need money quickly in Phoenix, title loans could be the solution. These documents are necessary for drafting a new contract. Cash 1 is assuming that you make bi-weekly payments on this loan over a 12 month period. A title loan allows you to borrow money against your vehicle’s title, so the title itself secures it. Most lenders will give you a loan between 25% and 50% of your car's value, and most states will cap title loans at $10,000 or less. If you live in or around the greater St. Pleasantburg Drive TitleMax store or call us today at. Another way to get rid of your title loan is to replace it with a different loan. However, you should call us or apply online first. 1 star. Phone: +1 334-293-9060; Website. A title loan is a secured loan that lets borrowers use their vehicle as collateral. After all, the title loan company is going to want to be able to get their money back sooner as. Headquartered in downtown Los Angeles, TFC Title Loans is a broker providing car title loans to residents throughout the United States. (Closed on Sunday) If you are an existing customer and have questions: Contact us at 800-804-5368. (912) 525-2675. As of February 2022, a Nevada state-wide database check is required as a condition to getting a title loan or high interest loan in Nevada. Send in Your Information – To get started on your Title Loans Refinance, you can call Max Cash Title Loans at 855-561-5626 or visit us online and send in your information virtually. TitleMax® is proud to be one of America’s leading car title loan and car title pawn companies with over 1,000 locations nationwide. Minimum loan amount for title-secured loans in South Carolina is $601. To get a car title loan, you need to own your car or have equity in it. Car title loans offer you quick cash — often between $100 and $10,000 — in exchange for your vehicle’s title as collateral. – Lower monthly payments make budgeting for your title loan easier. This involves buying your car outright before the lender sells it. Private Lenders — A private lender, also known as a direct lender, may also be able to help pay off your existing title loans. There are at least two ways that this could help you achieve your financial goals. What happens when you default on a TitleMax loan? A title loan uses your vehicle title as collateral. TitleMax is making the title loan process easier by offering online title-secured loans in Missouri, where you can complete the application and appraisal processes on your schedule. We know that medical emergencies, accidents, and other setbacks can put anyone in the position of needing money as soon as possible. Grant Road TitleMax store provides residents of the Tucson area with title loans and personal loans. A car title loan is a loan for a small amount of money and for a short time. If possible, try to pay off the loan early in one lump sum, and contact customer service to see if you can renegotiate the payment terms. Submit a Loan Inquiry Online or Over the Phone: To get started, all you will need to do is fill out a short inquiry form online or call. The size of your title-secured account is determined by the amount of cash you need, your vehicle’s value, and in some states your ability to repay. Alternatives to car title loans. Apply Now. Free Estimate. Fill out an application online or in person. Must be at least 18 years of. To get out of paying a title loan with a very high interest rate, or at least to reduce the amount that is owed to the lender, you’ll want to partner with a company that pays off title loans like 5 Star Car Title Loans, who buys title loans or refinances them. You can try to refinance your existing title loan with LoanMart and potentially obtain different loan terms. Apply over the phone or online. Maximum loan amount in Tennessee is $6,500, assuming customer qualifies for and accepts both the pledge max of $2,500 and Secured LOC max of $4,000. 50% to 199. , and Saturday from 10:00 a. Thu: 10:00 am - 7:00 pm. Loan Terms OVER 150 Days. The most obvious but perhaps the most difficult way to get your car back is known as redemption. 1 2 5 From there, a Max Cash Title Loans representative can give you a free estimate 1. Learn more about the pros and cons of getting a TitleMax loan. It’s that easy! Does TitleMax keep your title? TitleMax will determine a transaction amount based upon your need, credit history and the appraised. Car Information. You can view your account information and make a payment 24/7. We are located at the intersection of SW Wanamaker Rd and SW 17th St. The 2nd Avenue Southwest. – In Tennessee, TitleMax offers title pledges, and secured and unsecured Lines of Credit (“LOC”). Store hours of operation are Monday – Friday from 9:00 a. Send an Email info@maxcashtitleloans. We are located at Mountain Vista and Sunset Road where Sunset meets Sunset in the Smith’s shopping center. The 2nd Avenue Southwest. to 7:00 p. From Daniel Joelson, the TFC Title Loans President :“TFC Title Loans is much more than a car title loan company; we are a company that is here to help those in financial need. In most cases, a title loan won’t have any impact on your credit scores. Receive a title loan up to. The North Main Street TitleMax store provides residents of the Columbia area with title secured loans & personal loans. These loans are unsecured, so while they’re typically for small amounts, you can apply for them without collateral. 6. Sat: 10:00 am - 4:00 pm. Read 3,448 Reviews. The company’s primary goal is to offer a hassle-free borrowing experience. Only one loan (either title-secured or personal) allowed per customer, inclusive of other lenders. Since your car secures the loan repayment, the lender can repossess your car if you don’t repay the loan on. A title loan is a short-term secured loan that uses the title of your vehicle — such as a car, truck or motorcycle. We may be able to refinance your title loan with TitleMax and get you a competitive interest rate in the process! That means in most cases we can pay off your other car title loan and save you money on your new, smarter loan! And you can start the process of getting your title loan online! So what are you waiting for? The Ideal Solution The most straightforward approach is to pay off your loan, but that’s more easily said than done. The DBO moved in December 2018 to revoke TitleMax’s finance license in California based on allegations that the lender routinely charged excessive interest rates and fees. You usually have to repay the loan in 30 days. . Visit us now and start saving money today! Note: Refinances not available in all states or for all products. If you have a current auto title loan or car title loan, consider refinancing. According to. Temple, TX. Max Cash Title Loans can potentially help you get connected to a title loan online or near you! 5 We are proud of the engagement we give our. Ace Credit Express runs the gamut of short-term, high-interest loan options. Sat: 10:00 am - 4:00 pm. Effective January 1st, 2023, TitleMax is no longer offering new loans in the state of New Mexico. Mailing a cashier’s check or money order to TitleMax c/o Virginia Team 2312 East Trinity Mills Road, Carrollton, TX 75006. An auto loan charge-off without repossession is unlikely, unless you have an unsecured auto loan. Yes, TitleMax offers loan refinancing services for title loans. Yes, TitleMax offers loan refinancing services for title loans. Try debt management. to 2:00 p. Sincerely, You are not alone. Simply apply for a new loan on your car’s title right now. Call Max Cash® Title Loans at (855) 561-5626 or fill out our online form!This will help us determine the maximum amount you can borrow. 1Refinance your title loans; Fast and simple process; Available in Phoenix; Consumers can get approved for car and motorcycle title loans up to $10,000 in about 30 minutes with no prepayment penalty. The size of your loan will depend on the amount you need to purchase a car. m. Visiting a MoneyGram® location to make a cash payment. Calling our dedicated California team at (714) 418-4943 and making a debit card payment over the phone. They also warn that “If you refinance your loan, you will pay more interest”. We are located on 1st Avenue north of Grant Road right next door to Cricket. or. Most Credit Types Accepted. Each state has its specific procedures that lenders follow during the repossession process but there are a few generalities that they all follow. If you can’t repay a car title loan, you could lose your car. A $20,000 loan with a 4%. Breaking down the process, laws and rights. You may be able to refinancе іn order to obtaіn a. Even dealing with the the title pawn loan company for you. If there's a way you can come up with the cash early, try paying off the full balance as quickly as you can. With our car title loans, Houston, Texas, locals can get up to $10,000 to take care of an emergency expense. Saturday from 7am – 4pm CST. Borrowers who fail to pay back their auto title loans have a serious risk of having their vehicle seized by their lender. A car title loan might have been the right solution when you borrowed it, but title loans tend to be much more expensive than other loans. LoanMax and TitleMax offer loans of up to $10,000 in most states. If you live in or around the greater Camden area and are in need of some fast cash, stop by the W. If you live in or around the greater Wilmington area and are in need of some fast cash, stop by the Kirkwood Hwy TitleMax store or call us today at (302) 993-7945 to get approved for a title loan or personal loan fast!With car title loans you can get the money in as little as 15 to 45 minutes. In some states, a title loan is known as a title pawn because this type of loan is similar to the process of pawning a piece of jewelry or another expensive item. Minimum loan amount for title-secured loans in South Carolina is $601. Loans are usually capped at 25% to 50% of the vehicle’s value. 1 800 New Rate walks you through the process.