5 Reasons the Bank is Not Your Friend

Tuesday, February 18th, 2014

Many people immediately turn to a bank when they need to get a loan. However, getting a traditional loan can be a downright frustrating process. When you need quick cash, the last thing you want to do is deal with a mountain of paperwork or a laundry list of requirements. Frankly, banks do not care about your timeline – they work at their own pace. If you are looking for a way to get fast cash, you are better off applying for an online loan. By doing so, you can get your money in a day’s time and will not need to disclose every detail of your financial history. Read below to discover more reasons why the bank is not your friend.

Banks can complicate the loan process in several ways, including:

  • Lack of flexibility – Financial institutions are not concerned whether you have an urgent medical bill or home repair to address. They have a predetermined set of terms and conditions, so they rarely customize your loan. In addition, many banks do not give you the ability to pay at your own pace or even design your own payment plan. They believe loans can be “one size fits all,” but that is simply unrealistic.
  • Credit checks – Many prospective borrowers are immediately turned away due to poor credit. Banks perform credit checks in order to assess the risk of lending you money. If the risk is too high, your request will be denied. When you apply for a traditional loan, bank personnel examine your financial history with a fine-toothed comb. In other words, if you have poor or nonexistent credit, the bank is not your friend.
  • Tedious paperwork – Applying online for a loan takes a matter of minutes. In contrast, applying for a loan at a bank requires you to fill out a stack of tedious paperwork. Before you are eligible to borrow money, the bank wants to know specific details regarding your financial history. When you are in a pinch, you simply do not have the time to complete such a complicated process.
  • Long lines – It always seems as if everyone shows up at the bank at the same time. If you are experiencing a monetary shortfall, the last thing you want to do is wait in a long line, because you clearly need to deal with more pressing matters! Avoiding the bank also means you can avoid other patrons. An online loan application allows you to submit your information from any computer, tablet, or smart phone. You can complete the process on your own time – whether you’re at home or on the go.
  • Unpredictable interest rates – Bank loans are often accompanied by unpredictable interest rates. You can travel from one bank to another and receive completely different rates. This type of inconsistency can lead to feelings of dread – how do you know you’re getting the best possible deal? In this day and age, fluctuating interest rates are simply unavoidable, but they represent yet another reason why getting a loan from a bank is an arduous process.

5 Myths about Car Title Lending

Friday, February 7th, 2014

There are many myths about car title lending, but we are here to set the record straight. From sky high interest rates to inflexible payment plans, we have heard it all! However, as you have probably learned from an early age, don’t believe everything you hear. Allow us to debunk some of the most common title loan misconceptions.

Title loans require a credit check – A credit check is a major part of almost every loan option, but not title loans. The absence of a credit check means you can be approved with good, bad, or nonexistent credit. The approval process for car title loans is lightning fast. You can apply today and collect your cash within as little as 24 hours. If your credit score has held you back from getting the money you need, take advantage of a bad credit title loan today.

Title lenders keep your car – This is probably the biggest misconception when it comes to car title loans. Many people are worried that they will need to relinquish control of their auto and will not be able to drive. In reality, the opposite is true. You will be asked to temporarily hand over your title as collateral, but not your car. You can continue to get to and from important destinations while you pay off your title loan. Once you have paid in full, your title will be returned.

Auto title loan repayment plans are inflexible – If you think your auto title loan repayment plan will be inflexible, think again! A majority of title lenders allow you to take as long as 42 months to pay, so you should have plenty of time to find your financial footing. If money is particularly tight one month and you need to adjust your schedule, lenders are usually willing to work with you. In addition, there are no prepayment penalties. You can pay ahead of schedule without worrying about any negative consequences.

Car title loans have high interest rates – Interest rates are important when it comes to any type of borrowing option. Although some title loan companies have adopted predatory lending methods, we set ourselves apart by offering the lowest interest rates in the industry. In fact, we will match any competitors’ rate. A car title loan should be a helpful tool – not an additional financial burden. Your monthly payments will align with your current abilities.

You must fill out an extensive application to get a title loan – No one enjoys filling out a stack of paperwork and undergoing a financial examination. When you apply for a title loan, you can do so from the comfort of your own home. The online nature of our business allows you to submit your contact and car information via the form on our website. You will immediately receive a free quote and be contacted by a car title loan specialist. He or she will finalize the remaining details and connect you with a trusted lender in your area. You can collect your cash in hours and drive off in the very same vehicle you used to get your loan.

Polar Vortex Driving Utility Bills Up?

Friday, January 31st, 2014

Frigid temperatures brought on by the recent polar vortex have left people across the country shivering, buried under several feet of snow, and wondering how they will pay their sky high utility bills. As you are well aware, living in Ohio in the winter presents many challenges. In order to keep warm, your heater is probably working overtime. (more…)

Don’t Disappoint Your Valentine: Get a Car Title Loan

Thursday, January 16th, 2014

Valentine’s Day is quickly approaching. While stores are being stocked with all things red and pink, you may be scrambling to plan the perfect celebration for your loved one. With a limited budget, you are wondering how you will make the night as memorable as possible. You want to show your girlfriend a good time, but you are struggling to simply afford your monthly bills. Unfortunately, it seems as if additional expenses are out of the question. You have been racking your brain to figure out a way to get your hands on some extra cash. Luckily, you happen upon title loans in Dayton. You quickly let out a sigh of relief, because February 14th won’t be a bust after all!

When it comes to getting cash fast, nothing beats title loans. For over a decade, we have been serving the good people of Dayton and beyond. Within a matter of hours, you can drive away with a fatter wallet and a smile on your face. Title loans are no credit check, so you can be approved regardless of your score. The absence of this requirement means your money can be accessed without subjecting yourself to the hassles of a traditional loan. Cash in 48 hours is not a myth – a no credit check title loan can make it happen.
If you want your Valentine’s Day to be one for the ages, it is important to prepare ahead of time and make sure you have the necessary funds. Of course money can’t buy love, but it is nice to show that special someone how much they mean to you. In addition to a speedy approval process, you will receive some of the most attractive title loan interest rates in the industry. Your payment plan can be customized to suit your needs, so you will have plenty of time to get your finances in order.

How to apply for a bad credit loan:

• Submit the easy application on this page and review your free quote
• Speak with a car title loan representative and iron out the remaining details
• Collect your cash from a lender in your neighborhood
You deserve the opportunity to obtain quick financial relief, as well as have a memorable Valentine’s Day. If you are short on cash, but want to show your loved one just how much you care, title loans in Dayton will save the day.

Take a Winter Vacation: Car Title Loans

Tuesday, January 7th, 2014

If you are sick and tired of the frigid temperatures in Dayton, Ohio, you are probably dreaming about escaping to a tropical destination. When the temperature dips below zero and your car closely resembles an icicle on wheels, you know it’s time to get away. Imagine yourself lying on the warm, sandy beach with a cool drink in your hand and not a care in the world. The palm trees gently sway in the wind and you feel the hot sun warm your face. But how can you afford a last-minute vacation if you are struggling to pay your bills on time? Car title loans in Dayton to the rescue! You can use your title as collateral and receive a loan in as little as 24 hours. There are no hoops to jump through and no red tape to contend with, so the application process is incredibly easy. Once you fill out the single form from any computer or smart phone, you will receive a free pre-approval quote and be one step closer to your dream getaway.

These are the three easy steps to getting the cash you crave:

  • Submit the online application and review your free title loan estimate
  • Speak with a specialist to finalize the remaining details
  • Collect your cash from a convenient location within Ohio

Short Term Loans with Flexible Repayment

Title loans are short term loans with flexible repayment schedules. There is no need to worry – you won’t need to repay your loan as quickly as you received it. In fact, a majority of our lenders allow you to take as long as 42 months. You will have plenty of time to make your monthly payments once you return from your enviable vacation. We can customize your schedule to fit your needs, so you will be able to pay your loan in full without facing a financial burden. When you get cash for your title, you will also receive the lowest interest rates around. We do everything in our power to accommodate our valued customers, because our title loans are not “one size fits all.”

Title Loans are Ideal for People with Bad Credit

Title loans are ideal for people with bad credit, because a credit check is not required! Yes, you read that correctly. Bad credit, good credit, no credit – we accept it all! We can even help you finance your dream vacation if you have bankruptcy on file. The absence of a credit check means you can access your cash faster than ever. When you apply at a bank, you frequently need to wait for days for your paperwork to be processed. Bad credit title loans can be funded in a matter of hours – the perfect amount of time to find last-minute airfare at a great price! If you are ready to escape Mother Nature and find bliss in the tropics, use the funds from a no credit check loan to finance a vacation.