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Mid-South Title Loans Makes Getting a Loan with Bad Credit Easy

Mid-South Title Loans Makes Getting a Loan with Bad Credit Easy

No one likes jumping through hoops. In fact, very few living creatures try to make their own lives as comfortable as humans. From using tools to taking shortcuts, the way modern life works now is dependent upon ease. However, some things in life are not meant to be easy. Traditional lending is one of those processes. Its very structure is designed to be hard to “weed out” the potential customers that don’t fall under banks and financial institutions’ desired qualifications. It is a system that unnecessarily punishes those of lower incomes and is not a system that is designed to help people out of poverty (or even out of a poor credit situation).

For those with poor credit, it is nearly impossible to get a loan — even after going through rigorous loan application processes. Almost a quarter of the United States has poor credit, and that doesn’t always mean missed payments. Credit is dependent on the length of a person’s credit history, the amount of credit they use on their credit cards, and a slew of other factors that are not solely dependent upon timely payments. A person could pay their credit cards and loans on time every month and still be denied a loan for a variety of reasons.

Even for people with excellent credit scores, getting a loan is hard. It can make signing up for any sort of loan, short-term or otherwise, seem like an extreme hassle and something not worth doing. Luckily, there are places like Mid-South Title Loans in Memphis, Tennessee to help get you money when you need it. Mid-South Title Loans is a short-term loan company with a knowledgeable staff and quick process. Here’s a little more about what it is like to get a title loan through Mid-South Title Loans.

What to Bring to a Mid-South Title Loans Appointment

title loans appointment

As with any appointment, having the right documents makes the process much more manageable. Although this is listed in more detail on our online info sheet, the main things to remember for your appointment will be:

  • Photo Identification: this is so we can verify that you are the owner of the car and that the vehicle is not stolen or being liened without the owner’s knowledge.
  • Proof of income: although not the only thing we look at, your proof of income is one of the ways that our loan advisors get you a loan rate that works for you. Your proof of income will verify exactly what type of payment you can afford each month as well as the possible length of the loan. If you have a smaller monthly income, lenders can often work with you to extend your range of repayment for more comfortable monthly options.
  • Your car’s title: this is the legal paper that says who owns the title. With title loans, you hand over the title to the lending company, and they hold on to the title while you pay them back. Mid-South Title Loans offers 30-day renewable contracts that range from $250-$2500, depending on the person’s needs and ability to repay.
  • Your car, in working order: Your working vehicle is one of the ways we determine how much money we can lend to you. In essence, your car is your collateral, and its aftermarket value is how much we can lend to you.

To work with Mid-South Title Loans, you will need these documents and things and will need to be at least 18 years of age. Following these guidelines before setting up an appointment will help your appointment go more smoothly!

What to Expect After You Get a Loan

After you sign all the papers for your loan, you can expect to start paying off your loan amount shortly after that. Rest assured that the experts at Mid-South Title Loans will not let you borrow more than your paperwork shows you to be able to pay, which should make repayment quick and easy. As someone with poor credit, your prompt and full payments will be reported to credit agencies, which will help boost your credit score eventually to where it needs to be. If you received a title loan, once you pay it off you are done.

Our Guarantee

Mid-South Title Loans tries to make our loan application process as timely, understandable, and efficient as possible. We can get applicants through in as little as 20 minutes as long as they bring in the needed documents. However, if this is your first time taking out a title loan, we recommend taking a little extra time. Ask questions, explore your contract, talk about any potential concerns. Your questions and openness with our staff will make things easier for you in the long run.

To set up a Tennessee title loan appointment, contact one of our three Memphis locations. With a shop on South Perkins Road, one on Summer Avenue, and one on Winchester road, we make sure that our customers from around the metro have a location that is convenient to them. Or, feel free to contact one of our stores today by phone or by email. We will return your call as soon as possible if you leave a message.


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1680 Winchester Rd
Memphis, TN 38116
Phone: (901) 346-1040

4965 Summer Ave.
Memphis, TN 38122
Phone: (901) 821-9211

2798 S. Perkins Rd.
Memphis, TN 38118
Phone: (901) 794-5460