Home Projects That Can Easily Be Completed with Auto Title Loans
Spring is officially here! It’s the season of new life, as well as the season of giving your home a really deep clean. We offer some of our best cleaning tips to help you get your home clean in no time. You can get a loan from Tio Rico, quickly and easily, in order to get started on those projects as soon as possible! With auto title loans, you can get between $100-$1000 almost instantly, allowing you to then tackle some of the home improvement projects this Spring under $1000. (more…)
Are you looking for some extra cash this Spring? Perhaps you have home repair projects lined up, a Spring vacation around the corner, or maybe you just need a little money to hold you over until your next paycheck. If that’s the case, then an auto title loan is the perfect solution for you! Tio Rico is an auto title loan company that will help you get the money you need, quickly. There are many advantages to getting an auto title loan or personal loan from Tio Rico that can alleviate the stress from your financial situation. Here are our customers’ top 4 reasons to get a loan through Tio Rico. (more…)
Sometimes we need a little extra cash to get ahead on bills, paying for school books, new appliances– you name it! Tio Rico offers a simple solution with auto title loans. Within minutes and with minimum requirements, you could have your cash in hand.
We know what you are thinking. Your credit score is not where you would like it to be, or perhaps you have no credit at all. That’s okay! Our experienced customer service representatives have worked with thousands of people to get them the loans they need when they need them. Here’s what you need to know to get started. (more…)
We get it. We all need a little extra money to help pay the bills, buy new appliances when they break or buy new books and supplies for school. Tio Rico offers a solution simple solution, a title loan. Here are 5 simple steps to attain your Arizona title loan and get the financial relief you need. (more…)
Still need a little extra cash before the holidays for presents, parties, or even bills? Don’t worry, there is still plenty of time to get loans from Tio Rico. We understand that cash flow can be tight this time of year, so we offer a simple solution that will help your family to relax and enjoy the holiday season. You can get a cash loan in as little 30 minutes, be off to finish your shopping, and back home relaxing before you know it. If you have a vehicle, a clear or lien-free car title, a picture ID and a checking account or debit card from your employer you can get approved for a personal loan (if you are a resident of New Mexico and Arizona) up to $1,000. (more…)
Let’s face it, the holidays are here, and you need extra cash for gifts and parties. We all do! An easy way to boost your financial situation during the holiday season is by picking up some side jobs and even getting a little creative. Here are our top picks for making a little extra money while still being festive.
Hang Christmas Lights or Decorate
Holidays mean decorations and Christmas lights. Many people want all the glitz without the hassle. So this year offer your services to friends, family, and even businesses. Start by looking around your neighborhood for signs and then check Craigslist for ads. You may not be a professional Christmas decorator, but anyone can string some lights and set up some reindeer. You can even charge a little more to come by after the holidays to take them down – double win in my book. (more…)
The holidays are right around the corner, you are probably feeling like you have more cheer than cash this season. Many families around the country are experiencing the pressure of the financial crunch when planning all the gifts they need to purchase for family, friends, and parties. How can you celebrate bigger and better, but with less cash this holiday season? Don’t worry there are many ways to save money other than going shopping at big shopping centers and spending too much money. Be we offer a few simple ways to save a little cash this season, so you can focus on spending quality time with your loved ones. (more…)
Happy Thanksgiving from our team at Tio Rico! We hope that your day is filled with the people that mean the most to you, and moments that will create loving memories you will cherish for years to come. We hope that throughout the year we have made a positive impact on your life. We are thankful for the opportunity to have been there for you when times got tough. Enjoy your time spent with family, friends, co-workers, neighbors, or even strangers; and be thankful for all they bring to your life. (more…)
As Black Friday quickly approaches, retailers prepare to offer the best sales of the year– for one day only! It is the starting line for the race for Christmas and we all want to take advantage of the great deals. The only problem is that it is quite overwhelming, and we are often scratching our heads deciding where to start. To help you navigate through the sea of sales and chaotic crowds we have put together a few tips so you can make the most out of your Black Friday adventures. (more…)
Today is Veterans Day, and we proudly honor those who are serving or have served our nation. We join communities throughout the United States of America in celebrating America’s veterans for their unwavering patriotism and devoted support of our country. We also like to take a moment to thank them and their families for their willingness to serve and sacrifice for the greater good of our country. Across the nation, there will be celebrations and festivities where friends and families will gather to recognize or remember their loved ones who have given so selflessly of their time.
This is a day close to our hearts, as many of us know someone who is serving or has served in our nation’s armed forces. Today, take the opportunity to send them a note of thanks or visit them if you can. From the grateful Tio Rico team, we offer a sincere thank you to our Veterans because without your commitment and service, our country would not be where it is today. (more…)
It’s that time of year again! Yes, unfortunately, it’s cold and flu season and that means expensive trips to the doctor, flu shots, and over-the-counter medications to soothe the discomfort of illness. The easiest way to avoid getting sick this year is by making your health a priority. It makes you feel better as a whole, helps build a strong immune system, and most importantly, prevents extensive expensive medical bills. Some medical issues cannot be prevented regardless of how healthy your lifestyle is, but so many others can. (more…)
If you need cash quickly and as conveniently as possible, California auto title loans are a great way to go. Tio Rico makes it easy for you to apply right on our site, call one of our team members, or pop into one of our locations in the greater Los Angeles area. If you are a qualified applicant, you can get the cash you need that day! Once you have the loan, the terms encompass a number of things. The terms depend on how much money you borrow, the amount of your monthly payments, and how long you must pay back the loan. The other perk to getting fast cash loans like an auto title loans is that once you are qualified these terms can be customized to your needs. (more…)
Cold weather is around the corner, and we all know that means higher energy bills. If you are living in Los Angeles, Albuquerque or Phoenix loans can prevent you from getting caught behind in payments. Energy bills can skyrocket if you’re not attentive to how you use your utilities, so we have compiled a few tips to help you save money in the first place. (more…)
The Best Loan Rates and Superior Customer Service!
Tio Rico offers some of the best loan rates in Arizona, New Mexico, and California, as well as unmatched customer service to all of our customers. We all get into financial emergencies, so we work to ensure that you get the cash that you need, when you need it. We urge you not to hesitate to contact one of our loan specialists today, as we can relieve the stress of the situation and walk you through the loan process. We make it simple for you by offering the convenience of starting the loan application right on our site so you can get title loans or personal loans online today! (more…)
The fall sports season is upon us, so for football fans that that means lots of time and money dedicated to this pastime. From college football to fantasy teams to professional ones, your season is going to be packed with activities and healthy competition. Whether you enjoy watching the game by having spirited tailgate BBQs, putting on chili cook-offs, cheering your team at your local pub, or supporting them from the stands, there is a lot of fun to be had with friends and family. (more…)
Fall is a perfect time of year to get those lingering home projects accomplished. Unfortunately, many remodeling projects can leave a big dent in your checkbook. You can get an auto title loan from Tio Rico, quickly and easily, in order to get started on those projects as soon as possible! With title loans, you can get between $100-$1000 almost instantly, allowing you to tackle some of the top 5 home improvement projects under $500 this autumn. (more…)
We’ve all been there! You need a small amount of money–quickly, but you’re not sure what steps to take. Ads and commercials bombard you with options that leave you feeling more confused than empowered. You don’t need a loan for a big-ticket item like a house or car, just some extra cash. Have you been left wondering “ what is a personal loan ” and “can I get one”? Let Tio Rico clearly break down the qualifications and the process for you. (more…)
We have all been there: You’re in a financial pinch and need cash quickly. Sometimes thinking about qualifying for a loan may be overwhelming and seemingly impossible. Luckily, Tio Rico is here to help you get the money you need when you need it. Here a few things to think about before getting your bank loan approved.
What Type of Loan Do You Prefer?
Before you apply, take a moment to check out the various loan packages available. Whether you are looking for an auto loan, personal loan, or signature loan; evaluate which one would work best for your life. Once you find the one that seems like a good fit, set goals for paying back the loan as fast as possible. (more…)
Do you have a financial history or record you are not entirely proud of? Years of too much spending and not enough saving leaving you with bad credit to deal with, even as you get your financial situation back on track? Do not worry, you are not alone in this situation. In the United States alone one out of five individuals has poor or bad credit.
Tio Rico is here to help. As an Arizona-based financial lender, with convenient offices throughout the state of Arizona and New Mexico, Tio Rico is the solution for individuals with bad credit looking to take out a loan. We offer many different loans for people with bad credit. (more…)
Do you own your car? Is the title free and clear? If you answered “yes” to these questions, then you are the ideal candidate for a fast and easy car title loan. Living paycheck to paycheck has become a tedious part of so many people’s lives, but it doesn’t have to be that way anymore! With a car title loan, you can pay your bills, purchase an appliance, make home repairs, take a vacation or whatever you like! The best part? No credit check or headaches dealing with a bank. (more…)
How Much Money Do You Qualify For?
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Not for all financial needs: This is a short-term loan designed to help with your immediate cash needs. It will not solve your long-term needs and refinancing will result in additional charges. We encourage you to (1) borrow only what you need and can repay and (2) shop the marketplace until you are convinced that you have found the best possible solution.
Transparency of costs for your loan: The cost of credit will be clearly disclosed to you in terms of the dollar amount of interest and the APR according to the principles of federal truth in lending law and regulations. For details on the specific costs of your loan, please see cost and terms on your loan agreement. Late fees and non-sufficient funds/returned item fees may apply as described in your loan agreement. We will never charge you any "hidden fees" that are not fully disclosed in the loan agreement.
Right of Rescission: If you change your mind about the loan, you may rescind your loan at no charge as long as you return the loan proceeds within the number of days specified in your loan agreement.
Implications of Late and Non-Payment: Policy and Procedure Regarding Late Payment and Non Payment of loan:
ARIZONALate Payments Title and Personal Loans: Late Payments are monitored and oversaw by the Arizona Dept Of Financial Institutions. Per title 44-6002 late fees are to be charged at a rate of 5% of the unpaid installment amount due. As disclosed in our note and security agreement we charge 5% of the unpaid principal balance of the installment amount due. This does not take effect until the customer reaches a stage of delinquency of not less than 10 days.
Non Payment of Title Loan: If a customer does not pay per the specified dates on the note and security agreement their vehicle could potentially become subject to a repossession. We always try to work with our customers as our first goal and priority is for our customers to be successful in the repayment of their loan.
Non Payment of Personal Loan: In the event a customer's loan account charges off due to non-payment they may be subject to further legal action per the note and security agreement. The note and security agreement is a legal and binding agreement where if necessary we retain the ability to seek judgment and garnishment as a remedy due to non-payment of the unpaid balance of loan.
Quick Personal Loan Terms:
Late Payment/Non-payment of loan can be found in the section above or on our disclosures page.
Fees – There are no fees associated with a personal loan other then a NSF charge if in the event the Bank Processor returns the payment due to non sufficient funds.
Renewal Policy – All personal loans are written for a term of 6-9 months that are paid in a range from 13 to 20 Bi-Weekly payments or 12 to 18 Semi Monthly payments. The majority of our personal loans are written as "installment loans" meaning that if the customer makes their payments on time at the end of the loan the account will be paid in full. If, in the event a customer falls behind or requests to have an Interest only loan, there are a multitude of options available. For example, they may renew their loan with a reduced rate as a installment to cure past due payments or renew their loan at a reduced rate.
For information on Tio Rico Te Ayuda's codes of practice and policies on responsible lending please see the section above or visit our disclosures page.
Late Payment/Non-payment of loan can be found in the section above or on our disclosures page.
Annual Finance Rate – The maximum state usury rates are governed by the state of Arizona and depending on the negotiated rate the annual finance rate can be anywhere from 120% to 204%. These are merely a parameter used by Tio Rico Te Ayuda as we try to negotiate lower rates for our customers to fit their specific budgetary needs.
Renewal Policy - All auto title loans are written for a term of 6-24 months that are paid in a range from 13 to 52 Bi-Weekly payments or 12 to 48 Semi Monthly payments. The majority of our auto title loans are written as "installment loans" meaning that if the customer makes their payments on time at the end of the loan the account will be paid in full. If, in the event a customer falls behind or requests to have an Interest only loan, there are a multitude of options available. For example, they may renew their loan with a reduced rate as an installment to cure past due payments or renew their loan at a reduced rate.
If the customer is in a good equity position and wants to continue to make the minimum payment due they are able to renew the loan for an additional 6 months at the same or reduced % rate compared to the rate that they previously had. We do this to reward our customer for a timely pay history.
Delinquency fees shall not exceed five cents ($.05) for each one dollar ($1.00) of each installment more than ten days in arrears; provided that the total of delinquency charges on any such installment shall not exceed ten dollars ($10.00)
Non Payment of an Installment Loan secured by a vehicles title:
If you fail to repay the loan pursuant to the terms of your contract your vehicle may be repossessed and sold. Additional charges may apply.
Non Payment of an Installment Loan, unsecured:
A judgment may be obtained for pre-judgment interest and other costs such as attorney fees as provided by law.
Quick Unsecured Installment Loan terms:
Late Payment/Non-payment of loan can be found in the section above or on our disclosures page.
Fees – Delinquency fees shall not exceed five cents ($.05) for each one dollar ($1.00) of each installment more than ten days in arrears; provided that the total of delinquency charges on any such installment shall not exceed ten dollars ($10.00)
Renewal Policy – All Unsecured Installment Loan loans are written for a term of 6-9 months days that are paid in a range from 13 to 20 Bi-Weekly payments or 12 to 18 Semi Monthly payments. All of our Unsecured Installment Loans are written as "installment loans" meaning that if the customer makes their payments on time at the end of the loan the account will be paid in full. For information on Tio Rico Te Ayuda's codes of practice and policies on responsible lending please see the section above or visit our disclosures page.
Responsible Renewals and Refinancing Options for installment loans: Our installment loans do not have to be paid off all at once like a payday loan. Instead, you can either pay the loan off according to the terms of the loan agreement or pay it off early to save finance charges. We may offer renewals or refinances of your installment loan. We strongly encourage principal reduction and early payment to reduce your finance charges.
Responsible payments for Pay Day Loans: The Pay Day loans are single payment short term loans and are due as stated on your agreement. We may allow an extension of time or a payment plan for repayment of an existing deferred deposit transaction.
Compliance with Laws: We maintain strict compliance with applicable state and federal lending laws. These include, but are not exclusive to:
1. Electronic Fund Transfer Act
2. Equal Credit Opportunity Act
3. Fair Credit Reporting Act
4. Fair Debt Collection Practices Act
5. Gramm-Leach-Bliley Act Privacy Requirements
6. Truth in Lending Act
7. Telemarketing Sales Rule
Contacting Us: We always provide a physical address, a toll-free phone number, and an email address so that you can reach us in the most convenient manner for you. We strive to respond to your mail, calls, and email in as fast a manner as possible so we can quickly answer any questions and solve any problems you might have. Please see Contact Us for details.
For additional information on Tio Rico Te Ayuda's codes of practice and policies on responsible lending please see the section above or visit our disclosures page.