Title Loans Memphis, Tennessee
The worst thing about those moments in life when you need the money is that the cash is never there at the time you need it the most. Applying for and getting a loan from a bank, credit union or other type of traditional lender takes so much time and paperwork that it can be like a full time job. And worse, there are no guarantees that you’ll even get the loan after all the work. And it’s likely that if you are so lucky to be approved and funded weeks later, the amount you originally applied for and needed may not even be enough because your bills have accrued late fees and additional finance charges, creating a situation of ballooning debt.
What individuals that are in a financial pinch need more than anything is access to cash fast. A loan product that can finance a customer in those times that can’t be planned for in advance is the solution to solving the stressful debt problems that come up when an emergency or unexpected bill comes up.
If you own your car and need cash today, Title Loans Memphis can get you funded
You rely on your car to get you where you need to go, from point A to point B. But you can now also rely on your car to get you where you need to go financially, thanks to car title loans Memphis. If you’ve never heard of title loans, we’re here to give you the basics on how title loans work and what they can do for you.
What are car title loans?
Car title loans are loans where a borrower can borrow cash quickly to solve their short term cash problems by borrowing using their car’s title as the collateral for the loan. This is a form of secured borrowing, much like a home mortgage, where you borrow using your home as collateral until the mortgage is paid.
Besides the speed at which you can have the cash you need (as quickly as an hour after applying), customers turn to car title loans Tennessee for two reasons: there are no credit checks necessary to borrow money. Those with bad credit can rejoice! Title loans can be approved even if you’ve been rejected for every other type of loan due to your credit history.
The second reason that car title loans Memphis are a top loan choice is that when we lend you the cash you need, we only hold the paper title as collateral during the duration of the loan. You can continue driving your car as you normally would while you pay the loan off. We understand how important your car is to your livelihood. Drive your car as you need and while you pay your regular loan payments on time.
How to apply for title loans Memphis
It’s smooth and fast to get a car title loan Memphis. The entire process is simplified to be fast and easy. With the right kind of organization, you can go through start to finish of the loan process in an hour or less.
That’s no typo! You can have the cash you need today. And as quickly as an hour from now. And that’s because our loan specialists have analyzed every step of getting car title loans and simplified the whole process to be as effortless as possible from start to finish. If only other aspects in life worked so efficiently.
To get started, you must fill out our simple application. You can do so at our title loans Memphis office, over the phone or most easily, online. We have streamlined the online application process to make it as short and convenient as possible. You can apply for a car title loan online at any hour, day or night.
When you fill out our online loan application, you will not have to answer lots of questions. The questions are straightforward and are mainly about your personal information and about your car’s make, model, mileage and age. If in doubt, give us a call and one of our title loan experts will walk you through the title loan application process over the phone.
What happens after I apply for car title loans?
Soon after you submit your title loan application online, you will receive an email or phone call from us with a loan approval and details about your loan. The details will include the amount we’re willing to lend you, your interest rate and any additional fees, the total cost of the loan and instructions as to where you should take your vehicle and documents for verification in exchange for the cash you have been approved for.
You may discuss your needs in further detail with a title loan professional over the phone or at the title loans Memphis office. The reason it’s important to talk with us about your needs and goals for why you borrowed money in the first place is so that our loan experts can understand where you’re coming from and make sure they have offered you the best possible solution for your current situation.
Title loans Memphis lenders want to see you thrive
Once they understand where you’re coming from, a title loans expert will set up a budget and a title loans payment plan that you are happy with.
Title loans experts have many goals for you:
- To get you back on your feet.
- To see you repay your loan in a timely manner.
- To ensure your financial success.
- To see you have a positive title loans experience.
- To work with you again if another emergency should pop up in the future.
- To give you a great title loans experience so that you can confidently recommend them to your friends and family.
Drive, don’t walk away with the cash you need
If the loan package you put together with the lender works, you sign the contract, leave your title certificate as collateral with the lender until you pay the loan back and drive away with the cash you needed so badly—in the very car you just borrowed money against.