A big part of the appeal of car title loans and personal loans is their speedy nature. The ability to get quick cash for an emergency or other immediate expense is a big deal to many people, and at Easy Title Loans, we’re here to get you the best deal possible on a title loan while also respecting the demands on your time. For most people, this means following a basic, tried-and-tested step-by-step process to getting your title loan approved and ready to go. Let’s look at these basic steps to get you ready for your next application.

Inspection

The first step of any title loan process is the valuation of your vehicle as collateral, which mostly takes place through a basic inspection. All relevant value items will be examined by the lender’s technicians, from functionality to appearance. Just to save a bit of time, make sure in advance that the location you’re going to for a valuation accepts title loans for your make and model of vehicle – some may have restrictions.

Processing

While your car is being inspected, you’ll fill out some brief paperwork to make your application official. This application will be considered, along with the value of your car and any other relevant factors – including your credit history, income situation and other financial elements.

Instant Lending Decision

On the spot, you’ll be able to get your verdict. You’ll be told whether you’re approved or denied for a particular type of loan, and you’ll be told the maximum loan amount you’re eligible for based on the value of your car and other factors. This is the point where items like interest rate and loan term will be ironed out and finalized.

Signature, Drive Away

When the paperwork is signed and ready to go and the title has been appropriately transferred, that’s the end of it – you’re ready to drive off with your new cash and get back to your life. You’ll now have a repayment to consider, of course, but you’ve gotten yourself some of the speediest and easiest cash possible with little to no hassle. To learn more about our title loans or any of our other loan programs, speak to the brokers at Easy Title Loans today.

For many people in need of a bit of quick cash, car title loans are the perfect way to go. A title or personal loan is a great way to get a quick bit of financial flexibility. At Easy Title Loans, we’re here to get you the best rates and the most hassle-free access to this quick relief. At the same time, we have to caution our clients against rash decisions – there are a few big mistakes you can make in the title loan game which can turn out very badly for your finances. Let’s look at a few of the most common.

Loan You Can’t Repay

It sounds obvious, but many folks simply don’t think a title loan situation through before entering into one. Some simply assume they’ll have more money later on, but don’t really think about how that will ever happen. In some other situations, borrowers are lured in to a ridiculously high interest situation which makes repayment very difficult. Pay attention to exactly the deal you’re entering, and don’t bite off more than you can chew – remember that your vehicle is up for collateral here, and you could lose it if you can’t repay the loan in time.

To Pay Another Title Loan

It may seem simple to take out a second title loan to repay the first if the deadline is coming up, but this is a vicious and eventually painful cycle. Before long, you’ll have multiple lenders blowing up your phone and knocking on your door. Many people who attempt to pay loans using other loans quickly end up in bankruptcy. With car title loans, only ever take out one at a time.

No Research

Many people do very little research with a title loan, simply looking for that quick cash. This can be a huge mistake – as we mentioned above, you could get duped into a huge interest situation, or something similar. Different states have different laws for title loans, and you need to be up to speed on these. Most of all, you need to research reputable vendors and favor their services wherever possible. We’re one of these at Easy Title Loans, and we’re here to serve all your title loan needs. Speak to one of our brokers today to learn more.

When applying for a car title loan, the quality level of your vehicle is a very important factor. You’re borrowing money using your car as collateral against the loan, so every dollar of extra value on the vehicle is another dollar you might be able to get in your loan. There are certainly other factors involved in this process, but the value of your car is one you have a good amount of control over. Here are a few tips for maximizing the value of your car before putting it up for a title loan.

Maintenance

Keeping your car up to date on repairs and maintenance is important for all vehicle owners, but especially for those looking to keep the car’s value high. Trade-in values often reflect the higher end of the pricing spectrum for any repairs you’ve left unfinished, and there’s a good chance you’re lowering the value of the car by leaving them. If you or anyone you’re close with is capable of making some of the repairs, that’s a great option to reduce your costs. Down similar lines, a trusted mechanic can be hard to find, but hold onto them when you do – a good deal here or there could go a long way to determining whether you’re in the red or the black when it’s all said and done.

Visual

Right or wrong, the appearance of a car has significant weight during the trade-in or title loan negotiation process. Body work like dent fill-ins and the like should be fully completed, and it’s never a bad thing if you get a chance to polish both the interior and exterior of the car. First impressions go a long way, as they say.

Tires

It’s common for people to neglect their tires as part of the resale process since many consider them separate or less important, but this is a mistake. Just like regular maintenance issues, most lenders will generally default to the higher end of the pricing structure for any repairs they have to make, so if you can get this done yourself (especially if it’s for a relatively fair price), you’re likely to come out on top.

Documentation

Perhaps most importantly, being able to show proof of your upkeep on your car is a huge deal. Uncertainty can cause lenders to lower the return price on the car, but there can be no confusion if you have documented records of all service completed. Want to know more about increasing car value, or any element of car title loans? At Loans for Less, our lending is fair and keeps your individual situation as the top priority. Contact us today.

There are many ways to get money quickly when you’re in a bind, but perhaps the simplest is using a personal or signature loan. These require no collateral, typically have low interest rates, and can be completed quickly to get you the cash you need. For signature loans, the name is the reality – all you need to get your cash is a signature. At Loans for Less, we offer a full range of personal and signature loans for people who need quick cash. What are the specific benefits of a personal or signature cash loan? Let’s take a look.

Flexibility

Signature loans and personal loans are meant to get you some quick cash with as little hassle as possible. You’re not putting up your car, your house or any other collateral, and there’s no requirement for how you spend the money you receive – you have complete control over how it’s put to use. Personal and signature loans do require solid credit since there’s no collateral involved, but those who qualify are opened up to a new layer of temporary financial freedom. These loans can allow you to clear some debt, make a large but necessary purchase, or make a one-time emergency payment.

Lower Interest Rates

Because there’s no collateral and these loans are based on credit alone, interest rates are generally far lower than other kinds of loans. Their terms are usually shorter, which means your monthly payments might be higher than other kinds of loans, but you won’t be forking over tons of extra interest to get the cash you need.

Fixed Interest Rates

Perhaps even more importantly for people who struggle with finances, most personal and signature loans come at fixed interest rates. This means your rate can’t change regardless of how much you spend or repay on the loan, a very big deal for some people who can’t afford any month-to-month variability in their spending habits.

Can Improve Credit

In many cases, a personal or signature loan can actually improve your credit. Interest rates on these loans are often lower than most credit cards, and people who have run up a high credit bill from one or two large bulk purchases can use personal loans as a way to increase the amount of credit they have available. Because credit utilization is such a big part of what goes into your credit score, this can help the score go up in many cases. To know more, or you are interested in a personal, signature or car title loan contact Loans for Less today, where our friendly and professional staff are standing by to assist you.