June 14, 2017
We all know emergencies seem to occur at the worst times. During the summer, it's always right when the thermometer is hovering over 99 degrees. They also seem to come in two forms: unknown and unplanned situations, and issues you've been band-aiding until you have enough money to cover them.
The random emergencies, the ones you never imagined would happen, are quite common during the summer. We are more active outdoors with sports, home improvements, camping, and travel, and more susceptible to injury and illness. Kids might sprain their ankles, pets may get fleas or ticks, and you may have severe allergies. All of these can require unplanned trips to the doctor, pharmacist, and vet. Other seasonal emergencies like storm and flooding damage to your home, replacing the A/C unit in your vehicle, pest control and lawn maintenance, and repairing your lawnmower can add up to a pretty penny, as well.
Of course, the need for extra money doesn't have to hinge on emergencies. The summer is full of organized occasions that come with as big of a price tag as its potential memories. Vacations, uniforms and equipment for extracurricular sports, a vehicle for the new graduate, wedding and baby shower gifts, or turning your backyard into a Tiki paradise: planned or unplanned, the receipts are stacking up, and you are stressing over what to do.
There are options for picking up some extra cash: a second job, a new credit card, throw a yard sale, or start selling on Craigslist, but these endeavors all require time commitments when you need the cash now. Perhaps the great 21st century oracle, Google, knows what to do. You search for "quick cash" and find suggestions for a title loan. You learn that a car title loan is a great way to get quick cash without a credit check. That sounds like the ticket, so you Google "title loan near me" and find Mid-South Title Loans in Memphis.
There is no faster way to find cash than with Mid-South Title Loans. All you need is to bring your drivable vehicle by our office, along with its lien-free title and your photo ID. With no credit checks and 100% hassle free, Mid-South Title Loans in Memphis offers title loans from $150 to $2,500, based on your vehicle's value. We have three convenient locations throughout the Memphis metro to serve our customers: 1680 Winchester Rd, 4965 Summer Ave, and 2798 S. Perkins Rd. If you're searching for a title loan in Memphis, you can jumpstart the process now by filling out our Title Loans Online Info Sheet, or dropping by any of our three Mid-South Title Loans locations in Memphis. Don't let the search for money delay your bill payments. Get the cash you need to fund your summer fun and cover your emergencies today!Read more
June 14, 2017
While June 20th is the official first day of summer, we all know the season really starts when the kids are out of school. That's when you finally get to kick back with your family for some much-needed bonding time. One of the best ways to create memories and spend quality time is to travel. Like most families in Memphis, you have been planning a big trip for months. Not just any old weekend camping trip or jaunt to grandma's house, either, but an epic journey that will create experiences and memories your kids will be scrambling to brag about next Fall in their "How I spent my summer" essays.
One of the biggest challenges is deciding where to go. It's low season in the Caribbean, and you could book a cruise for cheap. Would the kids get bored lounging on the sea? Perhaps you need a more diverse journey with equal parts adventure for them and relaxation for the adults. An old-fashioned American road trip through our own vast and varied backyard might do the trick. You can camp and hike in Yellowstone, learn fly fishing at the Glacier National Park, go skiing in Colorado, and go white water rafting in the Grand Canyon. Or, you can just make it easy and spring for a family resort package at Walt Disney World in Orlando.
Whatever shape your journey takes, make sure you know what to pack. Camping will require tents, sleeping bags, and LED lamps. If you are hitting the beach, you'll need sunscreen, swimsuits, oversized towels, beach chairs, and sandcastle construction sets! And don't forget to pack for the commute. Nothing tries a child's attention span (and your patience) more than long trips, so make sure their devices are queued up with enough books, video games, and movies to last the duration.
After you've decided on your itinerary, made arrangements, and packed, it's time to work on the other big challenge of trip planning: budget. There is nothing harder to plan for financially than travel. Despite our diligence, there are too many unknowns to account for, and an unexpected expense always occurs. Maybe the price of gas suddenly skyrockets, or severe camping conditions force your family to rough it in the nearest available hotel. You can budget trip expenses down to your very last penny, but somewhere between Memphis and San Diego, CA you might be wishing for some extra travel cash.
A short-term loan in Memphis is a quick and simple way to pad your family vacation travel budget. There are no credit checks, and all Mid-South Title Loans requires to provide a short-term loan in Memphis is a lien-free car title and a photo ID. If you bring those into one of our offices, we'll get you assessed, approved, and out the door with cash in hand in fewer than 20 minutes. Plus, you get to keep your keys and enjoy your family road trip while repaying the loan.
Summertime is family time, and there is no reason for an unexpected expense to interrupt your family vacation plans. Come get your extra travel cash with a short-term loan from Mid-South Title Loans. Stop by any of our three convenient Mid-South Title Loans locations in Memphis today, and then go on to have some fun in the sun!Read more
May 24, 2017
In the U.S., there is one other fact of life more certain than death and taxes: credit. Whether it is good or bad, credit dictates how we get to spend and manage our money. When your FICO score is good, life is easier. Your car insurance and interest rates are lower, applying for a new apartment or mortgage is easy, you're more employable, and it turns the lights on when moving into new digs. Perhaps most beneficial of all: when you have good credit, you can get even more credit for medical emergencies or unexpected expenses.
Good credit sounds great, so naturally there is a catch: it is tenuous. Several factors—like maxing out your credit cards, defaulting on student loans, or just simply forgetting to pay a utility bill or car payment—can send your score into a Fair or Bad classification. This is why bad credit is just as common as good, and shouldn't be seen as a reflection of character. It is a fact of life that many Americans contend with. According to FICO, 20.7% of the U.S. population holds a credit score of 600 or below. Even so, low scores aren't hopeless ones. Just as your good rating can be changed by a few financial mistakes, a bad rating can be improved with good money habits like paying your bills on time and keeping your credit card balances low.
What happens if a financial emergency arises while you are trying to rebuild your bad credit? Regardless of your FICO score, air conditioners are going to break, little Jimmy will need a new crown, Captain Woof will visit the vet, and tires will go bald. Something is going to happen that you need to take care of (and pay for) immediately. How? Lenders won't give you the time of day, and the APRs on new credit cards will be sky-high.
However, there is one quick and easy option available: a car title loan if you have bad credit. A title loan allows you to leverage the value of your vehicle to get the money you need to cover those extra expenses. At Mid-South Title Loans in Memphis, no credit checks are required. All you need is to bring your car, its lien-free title, and your photo ID to our office. While you complete a simple application, we appraise your vehicle. A car title loan if you have bad credit from Mid-South Title Loans in Memphis ranges from $150 to $2,500 based on the value of your vehicle. Based on your car's value and your ability to repay your loan, you'll leave our offices with cash and car keys in hand within 20 minutes. We'll hold on to the title while you repay the loan. When it has been repaid in full, you get your title back, along with our sincere thanks.
At Mid-South Title Loans in Memphis, we understand that life happens regardless of credit scores. With no required credit checks, we want to help you get the money you need, when you need it. We have three convenient locations throughout the Memphis metro to serve our customers: 1680 Winchester Rd, 4965 Summer Ave, and 2798 S. Perkins Rd. If you're searching for a car title loan if you have bad credit in Memphis, all you have to do is fill out our convenient Title Loans Online Info Sheet, or stop by any of our three Mid-South Title Loans locations in Memphis and see us today.Read more
May 24, 2017
The springtime blooms are fading, and summer is about to roll back the clouds and let the sun shine down on Memphis. It sounds idyllic as long as there is reprieve from the heat, but if your air conditioner or refrigerator is on the fritz, your summer of fun could turn into a season in heck! There is a quick and easy way to stay cool at Mid-South Title Loans. With short-term loans in Memphis, you can get the money you need to bask, rather than bake, in the summer heat.
Appliances always seem to break when you most need them and can least afford repairs. One common scenario: the freezer is stocked for the kids' Memorial Day party. When you go to get everyone Slush pops or Drumsticks, you find a puddle of fruity, creamy muck dripping and sticking down your lukewarm fridge. This problem needs to be fixed ASAP, before the rest of the month's groceries spoil. It's probably going to cost you more than you expect: refrigerant leak repairs start around $250, while a recharge could total $400. However, with short-term loans, you can get the cash you need to cover the cost of repairs (and even the replacement) of your refrigerator immediately.
Air conditioner repairs are even worse when it comes to bad timing and costliness. Think back to the past few dog days of summer, when there was a heating and cooling service truck parked outside a different neighbor's house every week. Bets are, those were neither routine nor cheap calls. If something goes haywire with an air conditioner unit's electronics—say, the circuit board—you are looking toward at least $650 to replace it.
If it isn't your home unit, it's your vehicle's system. A trip to the auto shop is never cheap, but with an air conditioning system repair, you can expect to pay anywhere from $200 to $1,000 depending on the kind of vehicle you have. You could try to do without, but while driving around Memphis with your windows down during the springtime can be pleasant and relaxing, during the summer it can be draining and dehydrating. Luckily, a short-term loan can help you maintain your summer comforts both inside and outside of your home.
Short-term loans can also assist with optimizing summer fun! An above-ground pool not only encourages family bonding, but is also a good way to stay refreshed during a heatwave. Another way to beat the heat is by upgrading your window treatments with solar window film or landscaping with shade plants, like our state tree, the tulip poplar. Not only will these additions maximize utility savings during the summer, but they'll also add some beauty and serenity to your home. If the heat gets so bad that not even a pool or home improvements can bring respite, a short-term loan can give you the needed buffer for a cool family vacation at the beach.
Whether by keeping your popsicles frozen, keeping your house and vehicle cool, or indulging in some summertime family fun with an above-ground pool or vacation, there are several ways to deal with a heatwave if you have the cash.
Mid-South Title Loans offers same-day short-term loans in Memphis to anyone in need of quick cash. No credit check is required; all you need is your lien-free car title and your photo ID. Title loans from Mid-South range from $150 to $2,500 based on the appraised value of your vehicle. That's more than enough to help you remain the summer griller rather than the grilled. You can get started by filling out our handy Title Loans Online Info Sheet or by stopping into any of our three convenient Mid-South Title Loans locations in Tennessee today!Read more
March 23, 2017
More often than not, the main drive to take out a short-term loan in Memphis is an unexpected or urgent situation. Whether it is domestic, like a bad storm felling several trees in your backyard, or medical, as in an impromptu biopsy during a routine dermatologist visit, there are several advantages to taking out a short-term loan to handle all your financial emergencies.
Valuable Collateral: Even though you might have savings in the bank for emergencies, those funds weren't necessarily scrimped and saved over the years to be gutted by a busted air conditioner or a cracked tooth. If you are hesitant to dip into the kitty to pay for these quotidian quandaries, a short-term loan can provide a budgetary bridge between your wallet and savings account. It is also an easy way to problem-solve, as your valuable collateral is sitting out in the garage. A title loan allows you to leverage your vehicle's value, and all you need is a drivable vehicle, its lien-free title, and your photo ID.
Fast Money: Another advantage of taking out a short-term loan is that it gives you money fast so that you can handle your emergency immediately. A loan process at the bank, or applying for a new credit card, can take days or even weeks. When you have a month's worth of groceries spoiling in a broken fridge, you can't waste time waiting on these financial institutions' decisions. Taking out a short-term title loan at Mid-South Title Loans in Memphis means that you can drive in to our offices and back home, cash in hand, within twenty minutes.
No Long-Term Commitments: The general idea of taking out a loan can often intimidate people because it implies a long-term commitment with an extended repayment period. However, a short-term loan is just that-it is a title loan based on a 30-day renewable contract. With loans ranging from the hundreds to a few thousand, the amount can be rapidly repaid. However, at Mid-South Title Loans, if you can't repay your loan in full within that period, you can renew your contract for another 30 days.
No Credit Checks: The last and perhaps best reason to take advantage of short-term loans in Memphis is that your credit rating can't be held against you. Mid-South Title Loans wants to help you get the fast cash you need with no hassle and therefore will not require a credit check for qualification. If you need quick cash but have either a bad or nonexistent credit rating, a short-term loan is the simple solution.
With so many advantages to taking out a short-term loan in Memphis, a title loan is an easy solution to meeting any unexpected financial emergencies. Mid-South Title Loans company loans range from $150 to $2,500 based on the value of your vehicle. We have three convenient Mid-South Title Loans locations throughout the Memphis metro to serve our customers: 1680 Winchester Rd, 4965 Summer Ave, and 2798 S. Perkins Rd. If you need a short-term loan in Memphis, all you have to do is fill out our convenient Title Loans Online Info Sheet, or stop by any of our three Mid-South Title Loans locations in Memphis and see us today.Read more
March 23, 2017
Ask any small business owner how she makes ends meet, and she's likely to laugh at the question. That's because the answer is usually "just barely." Whether it is a coffee house or print shop, clothing retail space or online boutique, operating a business has numerous expenses—rent, payroll, equipment, equipment repair, product stock and suppliers, just to name a few. Factor in unpredictable elements like unpaid invoices or refunded returns, and all of these expenses spread most businesses' working capital so thin that the budget isn't a matter of making it month to month, but rather day to day.
The real fear, though, is that some days, owners feel like they aren't making it at all, especially when everything goes wrong at the same time. For example, right in the middle of the Spring Break rush, your food guy is delayed a few days with supplies and your cupboards are bare, your bathrooms are backing up, and your inventory is inaccessible thanks to a fried computer. Each of these emergencies can be handled pretty quickly, but at a cost. If you don't have the working capital or good enough credit to have a business credit card, your doors could be closed forever thanks to one bad day.
While banks are failing you alongside clients and vendors, there is one failsafe available that will help keep your business afloat. A bad credit title loan in Memphis is a speedy and easy route to get quick-cash in hand for all of your small business demands. By stopping by one of three convenient Mid-South Title Loan offices, you can secure a car title loan in under twenty minutes and be back at the shop before the lunchtime rush.
A short-term loan based on a 30-day renewable contract, a car title loan is the easiest route to fast cash. All you need is your drivable vehicle's lien-free title and your photo ID. Complete our simple application process, and once the value of your vehicle has been assessed, we give you the money with no questions asked. You get to keep your vehicle for the day's deliveries and errands and keep driving it while you repay the loan. Once paid back in full, you get your title back, along with our thanks.
Don't let the unexpected drain your register and ruin your enterprise's brand. If you need quick cash to buy supplies or emergency equipment for your small business, or just to cover payroll until you client's money comes in, a bad credit title loan in Memphis from Mid-South Title Loan can get you money—anywhere from $150 to $2,500 based on your vehicle's value—with little interruption to your operation. You can even jumpstart the process now by filling out our handy Title Loans Online Info Sheet, or you can come on by one of our three convenient Mid-South Title Loans locations in Tennessee today!Read more
February 23, 2017
There are various reasons for needing quick cash in Memphis, but they all share a common theme: life is full of surprises. That, of course, includes as many happy surprises as upsetting ones. At this blog, we've discussed many negative scenarios that might prompt you to take advantage of a title loan—a broken furnace or a busted water pipe, for example. But now, let's talk about some of the positive scenarios in which you might need fast and easy money.
Budget Buffer. It never hurts to have a budget buffer for peace of mind. While you've accounted for everyday expenses like groceries, rent, and utilities, those costs are by no means fixed. An impromptu dinner party with friends or an unseasonably hot day can easily push a tight budget into the red. Another budget buster can be bills that only come around once a year, or somewhat irregularly, like property or income tax. Be it to keep up with the climate or avoid accruing late penalties on a tax bill, a title loan in Memphis could be the budget boost you need to cover all the bases in times of financial stress.
Growing Family. Congratulations! It's a…bill? Nothing can dampen the joyous news that you and your significant other are expecting than sticker shock. The pregnancy journey can come with many price tags. There are the required weekly sonograms, new maternity clothes, and the hospital stay during delivery. There is also fun stuff like pre-natal yoga and decorating and furnishing a new nursery. A little extra cash can help you handle the costs of preparing for a growing family.
Routine Medical Bills. As we discussed earlier this month, it can be difficult to plan for unexpected medical expenses. Whether you're covering the cast for your child's broken arm, taking the plunge into adult braces, or getting a biopsy of that pesky mole at the dermatologist, tending to our health can be costly. Quick cash from a title loan in Memphis can keep you covered while tending to your routine and unforeseen medical needs alike.
Transitions. Life is comprised of transitions, and these can't be achieved smoothly without some quick cash. Perhaps you were laid off at your job, and while you have another one lined up, you need to cover bills for a couple of weeks between paychecks. Or maybe your new job requires you to relocate to a new city. This means you need to rent a moving truck, come up with a cash deposit for your new digs, and carry some petty cash for gas and meals on the way. Acquiring quick cash in Memphis with a title loan can help ensure that you get to enjoy your much-earned sabbatical in between jobs or fund your move to your next adventure—or deal with any other changes life throws your way!
Bargain Splurge. Your home is almost perfect, but it's missing that rug that would really tie it all together. You learn that the one you've been eyeing for months has been marked half-off. While that is considerably more affordable, it is still an unexpected expense. But…the price is almost too good to pass up! A swift trip to Mid-South Title loans would get you the quick cash you need to buy that rug, or any other once-in-a-lifetime bargains, without busting your budget.
Travel. There is nothing more enriching than travel. If you plan for a trip, you can keep expenses down and stay within budget. For trips that are unexpected—like a friend's destination wedding, or a best buds' retreat in the mountains—the costs could be considerable. Even so, these journeys are what memories are made of, and it is worth every dime to experience them.
With a title loan in Memphis, you will never have to say no to a life-changing experience or enrichment. At Mid-South Title Loans company, loans range from $150 to $2,5000 based on the value of your lien-free vehicle. We are quick and convenient, with three Mid-South Title Loans locations serving customers throughout the Memphis metro: 1680 Winchester Rd, 4965 Summer Ave, and 2798 S. Perkins Rd.
If you need quick cash to help you through the joys of life, all you have to do is fill out our convenient Title Loans Online Info Sheet, or stop by any of our three Mid-South Title Loans locations in Memphis and see us today.Read more
February 23, 2017
No one wants to be sick, which is why—despite how healthy and active your lifestyle may be—medical bills always come as a surprise. Suddenly finding yourself several hundred dollars in debt owing to a health emergency can send your finances into a downward spiral of juggling and struggling to pay other bills like your mortgage, utilities, or credit card payments. Luckily, one easy way to scrounge up quick cash in Memphis while keeping your budget balanced is with a title loan.
According to a report from CNBC, 60% of Americans are unable to cover unexpected expenses, with 38% of us unable to handle an emergency room visit. On a month-to-month basis, an emergency room visit isn't the biggest threat to our wallets. There are also many everyday events that can bust the budget, including even doctor visits that are routine and anticipated. A trip to the optometrist can result in a new prescription, and the lens specialist somehow talked you into upgrading your ten-year-old frames. A trip to the dentist for a cleaning reveals a cracked tooth or cavity, and now you are scheduled for a new porcelain crown. Neither a crown nor new glasses are cheap affairs, but what are you going to do? Your health isn't like the water bill; you can't postpone your vision or ability to chew until next month.
Even if you are good at anticipating routine maintenance expenses, unexpected health issues can arise. Your partner injures their back during a softball game and now has to get chiropractic treatment for six weeks. Little Jimmy comes home from school with a bacterial infection in his eye, leading to an emergency room visit plus a pricey prescription of heavy-hitting antibiotics. Whether it concerns you personally or your family, medical expenses are unavoidable. And while dealing with health issues is undoubtedly difficult, you can avoid adding anxiety to the situation with title loans in Memphis from Mid-South Title Loans.
To qualify for a title loan, all you need is your lien-free vehicle and driver's license. Bring those items into one of our three Memphis offices, fill out our quick application and go through the assessment process, and within twenty minutes you can walk out of our office with anywhere from $150 to $2,500, depending on your vehicle's value. We hold on to your title, and you get to drive off in your vehicle. Once you have repaid the loan in full, we will return the title to you, along with our thanks!
Don't sacrifice your health or that of your loved ones over the unexpected. Whether it is to cover a new prescription or x-rays for broken bones, car title loans are a quick and hassle-free way to get the money you need for your medical emergency. If you have a medical need you want to pay off now, you can get started by filling out our handy Title Loans Online Info Sheet or stopping in to any of our three convenient Mid-South Title Loans locations in Memphis, Tennessee today!Read more
January 30, 2017
So much for a Happy New Year! The microwave burned out, the furnace is broken, little Jimmy's baseball team wants new uniforms, and your best friend in Chicago is blowing your phone up with texts about where you should go for wedding party gear. It isn't even the end of January, and already you are panicking about how far your dollar can stretch this year.
What is difficult about these unexpected expenses is that they are either necessities or once-in-a lifetime opportunities. Sure, you can work around not having a microwave, or wear extra layers until you can get the furnace fixed, but the last thing you want to do is tell Pat you can't witness her gigantic step into matrimony, or little Jimmy that he can't play his favorite game due to the lack of new sporting duds.
Participating in the life events of your friends and family is not only important to them, but also important to you. Weddings, graduations, recitals, games, and anniversaries are the benchmarks of all your lives together. Don't let unexpected expenses keep you from showing up. Whether it is for travel, repairs, or uniforms (sporty or bridal), there is a way to share the love by getting title loans in Memphis.
Traditional title loans are an easy, hassle-free way to get quick cash in Memphis. All you need is your vehicle, photo ID, and a lien-free title. Your car will be leveraged as collateral against the loan, and within 20 minutes of stopping by a Mid-South Title Loans office, you get to leave with cash and your car keys in hand. Once you've repaid the short-term loan in full, we return your title to you, along with our thanks.
So, don't get down on the New Year just yet. While it is important to try and stay in budget, there are some unexpected events that are positive ones, and with quick cash in Memphis, you never have to miss out on another life experience due to cash flow problems. Whether it’s your daughter's piano recital or your lifelong friend's retirement party, finding fast cash with title loans in Memphis will ensure that you have the money to be there for all of life's joyous occasions.
At Mid-South Title Loans, we are eager to help you share the love and get you the quick cash you need for the events that truly matter to you and your loved ones. Based on your vehicle's value, you will get your cash within 20 minutes while keeping your keys so you can continue spreading the love stress-free. Based on the assessed value of your car, Mid-South Title Loans loans range from $150 to $2,500. With these amounts, your wallet will never exclude you from life's shared moments again. If you are in need of quick cash in Memphis, please fill out our convenient Title Loans Online Info Sheet, or stop by any of our three Mid-South Title Loans locations in Memphis, and we will get you on your way to your life event today!Read more
January 26, 2017
Has the New Year rung in only unforeseen bills and pricey needs? Let Mid-South Title Loans help you get the quick cash you need for a fresh start. Traditional title loans are a great remedy against unforeseen costs and stress. While some may be curious about the advantages of a title loan over other types of loans, there are numerous benefits of which you may be unaware. Below are 5 major benefits to applying for title loans in Memphis with Mid-South.
You Have the Collateral. According to a Pew Research center survey, there is an 88% chance your collateral is parked in your garage. If you are part of this percentage of U. S. households with a car, then you are eligible for a title loan. The only caveat is that you must own your vehicle and have a lien-free title.
Quick Experience with Experts. As experts in the field, we have perfected the application process to keep you from drowning in paperwork. We've facilitated this in two ways:
- Online Title Loan Information Sheet: we developed this nifty online form so you can jumpstart your application process.
- 20 minutes or less: When you visit a Mid-South Title Loans in Memphis, all you need to bring with you is your vehicle, photo ID, and your lien-free title. We will help you go through our speedy 20-minute application process while assessing your vehicle's value. Once you've been approved and sign a 30-day renewable contract, you'll leave our office with cash in hand and drive off in your vehicle.
I Get to Keep My Car? That's right! Perhaps the best benefit of a traditional title loan is that you get to leverage your vehicle for collateral without losing the use of your car. While we do hold on to your title, you can continue to drive your vehicle while you're making payments on your short-term loan.
We Return Your Title. Once you have paid your short-term loan in full, you will receive your title back along with our thanks. It really is a simple as that!
Confidential and Discrete. Your privacy is of the utmost importance to us. Your transaction at Mid-South Title Loans is 100% confidential, and with no questions asked. Your personal information will never be distributed or sold to another party, either via phone or in person.
Three Convenient Locations. Mid-South Title Loans customers enjoy the convenience of three locations throughout the Memphis metro area:
This makes finding quick cash easy, regardless of where you live in the Memphis Area.
As you can see, there are benefits within benefits to traditional title loans in Memphis. Not only do you already have the collateral, but based on the value of your lien-free vehicle, you can get fast cash within 20 minutes and still keep your keys. Based on the assessed value of your car, Mid-South Title Loans loans range from $150 to $2,500. That's a pretty good amount to cover any immediate cash flow needs that might arise. So if you need quick cash in Memphis, all you have to do is fill out our convenient Title Loans Online Info Sheet, or stop by any of our three Mid-South Title Loans locations in Memphis and reap the benefits of a traditional title loan today.Read more