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Frequently Asked Questions

A Signature Loan is an unsecured personal cash loan. It does not need to have any type of collateral attached to it like a Title Loan, which requires that you turn in your title to your vehicle as collateral. Signature loans usually have a longer-term payback period than and have a set principle and interest payment, unlike the Title Loan, which has a shorter-term payback period and can often be set up as an interest only loan.
A lien-free title means that you own your vehicle outright, with no outstanding loans or judgments against it.
Fast Track Loans gives its customers every opportunity to successfully acquire a signature or title loan that will land them the most cash possible with the most competitive interest rates in the industry. Another important reason you should consider is that we are a proven and trusted leader in the signature and title loan business and will not check or damage your credit in the process of getting a loan.
  • You need to make at least $500 every two weeks.
  • Be at your current job for 6 months, or have a regular source of residual income such as retirement or disability.
  • Have an active checking account.
  • Be a legal U.S. Citizen.
  • Be a resident of the state of Utah.
Fast Track Loan Center makes the title loans process easy, and it usually takes less than 30 minutes to get the cash you need. Here’s what you do…
  1. Bring your vehicle and lien-free vehicle title to Fast Track Loan Center.
  2. Fill out an application while Fast Track appraises your vehicle, which should be a matter of minutes.
  3. Fast Track will calculate a loan amount based upon your needs and the appraised value of your vehicle.
  4. When approved, you will receive the cash you need and you can keep your vehicle to drive home in.
  5. When the loan is paid off, you will get your title back.
You must be at least 18 years old.
Of course you can. However, Fast Track Loan Center would like to help you consolidate any two or more loans into one affordable loan, and tailor a payment to meet your budget. To do this, we would pay off all your other loans and make you a new loan so you only have to make one payment per month and reduce your interest rate at the same time.
Yes, the vehicle title must be in your name in order for Fast Track to give you a loan on it. If you are listed on the title along with another person, the other person on the title will have to be a co-signer on the loan and make a formal application with you.
No. In some cases where a person is retired and has a residual income, Fast Track does not require you to be currently employed to get a title loan, but you do need to show proof of that income stream, whether is from unemployment, disability, retirement income, etc.
Normally, obtaining loans at a conventional bank or credit union are off limits for people who have declared bankruptcy, but it is still possible to apply and receive a loan with Fast Track Loan Center. In fact, getting a loan, following through with the payments, and paying off the loan, could establish a good track record for you that may help build your credit back up again.
As long as you have a source of income, no matter what it is, you can apply for a title loan with Fast Track.
You will never know until you take the first step. Fill out our online application right away or stop by at your earliest convenience and we will take a quick look at your vehicle while you fill out an application.
You can get up to $5,000 on an unsecured personal loan.
You can get up to $10,000 depending on the value of the vehicle. The amount loaned will take into consideration the money you need and the value of the title loan you have.
You will be surprised how quickly the application and approval process is. Less than 30 minutes is usually the average. To speed up the process, be prepared with the proper documentation required.
You must have a bank account in order to be approved for a signature loan, but you do not need to have a bank checking or savings account to receive a title loan!
Fast Track keeps your title safe and secure and will return it to you as soon as your loan is pay in full.
No. Some title loan companies do charge high interest rates, but not Fast Track. Our rates are the most competitive interest rates in the industry. Apply today and you will see for yourself.
Your personal and private information is guaranteed to be safe in our possession. We are a trusted lender, who goes above and beyond the industry standard to protect your title each and every day.
On signature loans, the money will be withdrawn from your checking or savings account when the payment comes due. On a title loan you can use a debit card, credit card, check, money order, cashier’s check, or cash to make a payment.
Fast Track does not believe in assessing pre-payment penalties. We would rather have you pay off your loan in a timely manner than to penalize you for paying it off early.
No. Any associate of yours can make a payment for you. We can also take a payment over the phone. You can also set up an automatic monthly withdrawal from your bank account if you would like.
We are very UNDERSTANDING when life “deals you a bad hand.” You can rest assured that we will not Repo your car if you meet a bump in the road. We honor our 15-Day, No-Repo Policy with every customer because at Fast Track Loans we would rather work with you and let you keep driving your car than repo it, so when you are financially broken down and can’t make a payment on time, just give us a call, and we’ll give you that roadside assistance you need so you can get back on the road again.
At Fast Track Loan Center we do not discriminate when it comes to the make, model, mileage, year, and condition of the vehicle you want to get a loan with. In fact, we will make you a loan on Any Make, Any Model, Any Mileage, Any Condition, and on Any Year of vehicle, whether it is a car, truck, or motorcycle as long as you provide us with the necessary application documentation required and if you can legally drive it to our store. We can also make you a loan on a paid off R. V. or boat! If you have a vehicle, we have a title loan waiting for you!
Yes, we give cash referral bonuses for word-of-mouth advertising. We appreciate it when a client refers our services to a friend or member of their family, and we are willing to “put our money where our mouth is” and give them a $50 referral credit toward one of their payments as a Bonus for every new customer they refer to us who applies and receives a title loan for at least $500.
Yes, we accept foreign IDs. We require a government issued ID, but we’re not particular about which government issues the ID.
Yes, Most of our loan reps speak Spanish or they can get one of the other reps on the phone to translate if necessary.

© 2017 Fast Track Loan Center, inc. All rights reserved.

Fast Track Title Loans provides car title loans in St. George Utah and adheres to all laws outlined by the Utah Department of Financial Institutions.

Fast Track Loan Center | Signature Loans & Tile Loans in St. George, Utah

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