Super Single Mom Blog

My daughter and I were going to the beach and all of a sudden the car started to shake. Thank goodness I had been through this before as I recognized it as a flat tire. I immediatly pulled over.

Unlucky for me my resources are tapped out. I have no one left to borrow from and no money left on my credit cards. But, I do have AAA which everyone should have…what a savior. Also, unlucky for me is I has 2 flat tires.

So I had them tow my car to my local title loan lender and they actually gave me a loan there in less that 30 minutes for the amount I needed to tow the car and get 4 new tires.

Thanks goodness there was an option out there!

The average household has about $9,000 worth of credit card debt. Credit cards became very popular once Credit card companies started hanging out at colleges offering cards to young adults who needed money. Now debt and collectors are a way of life for Americans. Although becoming more unpopular, and harder to get, credit cards are still very prevalent in today’s world and in today’s youth.

There are other types of personal loans that are not so invasive, even though they get a bad wrap. Title loans and Payday loans are rumored to be “bad” because they are short term with very high interest rates. That is pretty funny considering that credit cards are long term with very high interest rates and most people never get out of credit card debt because of these interest rates.

Title loans are loans in which the borrowers car is used for collateral for the loan. There is a time that loan should be repaid and if it  is not then the lender keeps the car. There is no credit check, there is no hassle, and the turn around for these loans is really quick. Let’s face it it’s not just America’s civilians that created this crisis the economy is in, it was also the big companies and lenders who put people in the position that they lost everything. Most of America in a position that they may not have any options left and if they lost their jobs like most of us then a title loan may be a great option to make the last rent payment before foreclosure until unemployment kicks in.

Payday loans may be a better option for those who still have a job. Payday loans are loans that are given before the next paycheck. This is good for things like Christmas or emergencies when you just need help right away. These loans are always to be used if it is a dire emergency and never if you don’t have a plan to pay it back, but all you need is a job and you can get a payday loan.

Title Loans and Payday Loans are nationwide and state specific. Arizona title loans, and Texas title loans are very common states for use. The internet is a great way to research your options and now as the future arrived some of these sites even have a virtual host who can help explain all the steps and benefits of these loans.

This is something to think about if you are running out of options. Times are tough and no one is arguing that anymore.

What is a personal loan? Most of us think of a small loan that is used in times of need, and that is pretty much it! With a personal loan there is usually collateral of some kind and you need to make the decision of what the loan is worth to you. The collateral is the security for the lender to grant the loan.

Title loans are a good example of this. Title loans are personal loans where the borrowers car is used as collateral for the loan. So the lender will keep the title of the car while you repay the loan, even though you can drive it around.

Personal loans given from banks and other types of lenders are different. Banks will grant personal loans to white collar folks, but usually those with bad credit or no credit will have a hard time getting money when they have no money.

Title loans are given to everyone who has a car, and if you have bad credit it makes no difference because the lender for Title loans do not even check. All you need for a title loan is a clear car title, valid drivers licence, proof of income, and the car to inspect. Title loans are very quick to obtain and sometimes you can walk out with cash in hand in 24 hours or less.

If you need a loan for the holidays think about the process very hard before you make any rash decisions. Title loans and all personal loans are useful in a time of need if you have a means to repay the. Good Luck and Happy holidays.

Right now it’s hard to get a loan, but if you are in the loan process than you are probably doing a lot of waiting. Especially if you were in the loan process when the collapse of the economy happened. People all over are waiting for money, and if an emergency arises while you already waiting what on earth can you do?

Title loans are a great way to get fast cash quickly for emergencies. These loans are meant to be short term loans where your car is used as collateral for the loan. So while the loan is active, even though you are still driving the car, it belongs to the lender until the term of the loans are met. It sounds a little risky but as long as you have every intention in using this as a short term loan, these loans can be very helpful and hassle free.

To get a title loan you only need a few things and turn around time is less than 24 hours. You need a clear car title, valid drivers llicence, proof of income, and an application with references. That’s right…no credit check! The better news is that you can get it started online and have the money in your hand by dinner.

If you need it it’s an option, if you don’t just keep waiting something is bound to give =)

Making calls everyday to borrow money. Maxed out all your credit cards and can’t get another one, and although your paying them back there is just not enough money coming in. The bank won’t lend you money or anyone for that matter. Your credit is now bad so no one will take a chance on you. There are options out there.

Title loans can help. They can be risky if you don’t have a job, but if you do these could actually make your Christmas brighter. Title loans are lent on the agreement of temporary possession of your car while the loan is being repaid. These lenders are aware of the economy and all the people in need right now and they are actually able to help. They can give cash with now credit check, even if you are high risk. You just need a clear title of your car, proof of income, a drivers licence, and the car. That’s all you need. If this sounds like a good idea you can find lenders every where. Good Luck.

The beauty of today is that you can find everything you want at your fingertips. If you are a single mom like me the more you can do at the computer while the baby has naptime, the better. I shop, research, write, and have a social life all through the internet.

Title loans are loans where you use your car as collateral for the loan. You get to drive your car while the loan is active but if you default on the loan you loose your car. A huge part of getting a title loan is researching the lender. On the internet you have hundreds of title loan companies, nationwide and state specific. It is very important that you do your research and find what lender appeals to you.

It’s easy to find title loan lenders as well you can pretty much type in anything into the URL and find something relevant i.e. Emergency Bad Credit Loan, and Title loans of Georgia, or even Car Title Loan today. These are all real websites that if type into Google or the URL with a .com, these will pop up.

It’s pretty amazing really you can add your information to their website and your loan process can be fullfilled really quickly and once you go to  the lender to show them the keys and title some people walk out with their money within 15 minutes.

Why would you need a title loan? There are many reasons but right now they are very popular because of Christmas. Most credit cards in America are maxed out so this is a safe option to keep your credit good and not play with any more high APR’s. Title loans are very short term loans so as long as you plan on paying it back within the next paycheck you are good to go.

Good Luck!

This is a question more and more Americans are asking each other and banks around the nation. Increased prices in the US market, job loss, and Christmas are some of the reasons that this question is floating around the neighborhood.

No matter how bad the economy or how bad things are the bills don’t stop coming and debts don’t disappear. Following your budget can be easy until the holiday season rolls around which causes us to step out of our budgets and lead us to look for lenders to borrow money.

Borrowing money from your family and friends is never a good idea. It just leads to awkward situations later on at a family dinner, or a friends party. Borrowing money from banks is definitely less personable but the wait time and hassle far out ways the silents stares at dinner when your electric is getting shut off. Some bank loans can take up to 48 hours to give you the money once all of the paper work has been completed, which can take a long time, and approval can take a while as well. Not too mention if your credit is not perfect chances are your chance of a bail out are slim to none.

That is of course unless you try a Title Loan, which are a great solution for a time of need. Title loans have a turn around time of 15 minutes sometimes and you are walking out the door with the money in your hand. Bad credit is not an issue and there is only a few things you need and you can leave with up to $1500.00 in our pocket!

You need a clear car title, ID, and proof of income you are approved!

There are plenty of Car Title Loan lenders in your area and you can start the process online. Good Luck and Happy holidays

My friend, Jason just purchased his first home. With the economy so bad he figured now was a great time to buy. As we know sometimes the universe has pother plans and the first week he moved in his roof leaked all the way to the first floor and ruined every ounce of carpet he had in the upstairs.

All the money had been spent on new windows and new paint jobs and all of the “face lift” stuff when apparently he should of focused on a new roof. As the carpet mildewed and his paycheck was two weeks away I told him about the option of a title loan to at least fix the leaks in  the roof and get new carpet until he could afford a new roof.

What is a title loan?

A title loan is using your car as collateral for a loan. There is no long wait, a fast turn around, and you don’t need good credit to apply or even get the loan.

Where to get a title loan?

There are many lenders all over the states. You can visit the sites in person but you can also do most of your research at home from the internet.

People are always going to need money in America. And unless you are living like the Swiss Family Robinson, emergencies and holidays will always be an issue that pops up when you least expect it- and can least afford it.

There are solutions, and Title Loans are one of the many ways that in a time of need lenders can actually save the day instead of causing grief. Title loans can be granted quickly and easily which are two things almost impossible in today’s world.

There is am upside to living in todays world- you don’t even have to own a home to get a loan. As a matter, of fact you don’t even need good credit. Even better, to get started you don’t even have to leave your house. You can shop online for different lenders who offer different interests and re-payment plans. Make sure the site you choose has an abundance of information about the loans and is also secure.

High interest rates are always a concern in quick turn-around-loans like title loans. But, in reality they are not much different than what a traditional bank would charge. Take in mind a ATM transaction- the fees usually run $1.50 per $100 and non-sufficient funds on a bounced check of $100 would be approximately 8.03%APR.

Remember that paying the loan back should be as easy as getting the loan. If you have a car then you can get a title loan. It is that easy!

It sounds too good to be true that you could get a loan if you have bad credit, instant approval, and fast cash. But, you can! Because title loans have an easy application process and fast turn around time lenders are able to easily lend cash. Some critics would say these are all indicators that title loans are high risk, or bad deals, but this is not true at all.

A title loan is generally a 30 day loan. The car title of the borrower is used as calateral for the loan. The lender and borrower benefits from the loan. The borrower receives fast cash and the lender makes a profit.

The agreement of a title loan is that the car will be owed by the lender if the borrower defaults on the loan. This can be looked at as a positive, rather than a negative. What more incentive do you have to pay back the loan than loose the car your in?