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Can I Get a Title Loan if I Have Bad Credit?

Can I Get a Title Loan if I Have Bad Credit?

Have you had past bumps and bruises, resulting in a less-than satisfactory credit score? Are you currently experiencing credit problems, and your score could be better?

In this economy, it’s common to experience credit problems, and it seems like nobody has a perfect credit score anymore. Job loss is common, especially in the last ten years or so, and in many cases, credit hits stay on your credit report for several years.

It can be hard to make big purchases and get good interest rates, when you have had or are currently having credit issues. You’ll apply for loans, only to see that you haven’t gotten approved. Sometimes, you don’t know where to turn.

When you need money now, having bad credit is a frustrating burden to bear. You may think that the only option you have is borrowing from friends or family, and a lot of people don’t want to do that. Luckily, you have another option: Mid-South Title Loans in Memphis. At any of our three Memphis locations, you can get the funds you need, without having to have perfect credit. Here’s how it works.

How You Can Get a Title Loan with Bad Credit

No Credit Check or Background Check

It seems like everywhere you go to apply for a loan, lenders need to check your credit and do a full background check. It’s vital to most large banks and credit unions, when you need to get a loan or line of credit. A lot of times, this can result in a hard credit pull. If you’re having credit problems already, not only do you have a smaller chance of getting approved, you also can see a small drop in your score, as a result of this type of credit pull. Even if it seems like having perfect credit is the only way to get the money you need, there are other ways to get a loan.

At Mid-South Title Loans in Memphis, we don’t require a credit or background check to obtain a title loan. When you are ready to apply for a title loan, we just need you to fill out our online application with your information. When you get a loan with Mid-South Title Loans, there isn’t any risk of a hard credit pull, and your score doesn’t affect whether or not you’ll be approved for a title loan. It is a perfect option for people with bad credit or are currently experiencing credit or financial issues. In fact, a lot of our customers are.

No Extensive Document Checks

Extensive document checks are a common part of the loan process for many lenders, like credit unions and banks. It seems like big lenders need to know every bit and piece about you, and they need proof, in order to approve you for whatever sum of money you need. Common documents needed to obtain loans include employment verification, such as your last three months of pay stubs or your last year’s W-2, and proof of residence, such as a utility bill or mortgage/lease agreement.

Gathering and sending all sorts of documents just to get a loan can be a hassle, and if you have to apply to more than one lender, it can get frustrating and time-consuming. We take the frustration out of the lending process and don’t require any of these documents. The best thing about a title loan is that the main document you’ll provide to use is your title. It takes care of all of those document requirements, for us. Even though we’ll keep it while your loan is still in repayment, you’ll get it back as soon as your loan is paid off.

Quick and Simple Process

Unlike getting a traditional loan with a bank or credit union in Memphis, the process at Mid-South Title Loans takes little time at all to complete, which means you can get your money quickly. You don’t need to wait days or weeks to get approved at Mid-South Title Loans.

How Our Process Works

  1. Start by filling out our application on our website.
  2. Gather your lien-free title, proof of car insurance, and valid photo ID to take with you to the Memphis Mid-South Title Loans location nearest you.
  3. Drive the vehicle your title is for over to your nearest Memphis Mid-South Title Loans location, and we’ll inspect it to help determine your loan amount.
  4. Once we analyze your needs, ability to repay, and your car, we’ll write up your title loan, in exchange for your vehicle’s lien-free title, temporarily.
  5. Get your check and drive off!
  6. Once your loan is repaid, we’ll promptly get your title back to you.

Short-term for Easy Payoff

One of the best benefits about a title loan is that it’s a short-term loan, unlike many traditional loans. Our title loan terms are 30 days, but you have a renewable option, if you need more time to get it paid off.

This is beneficial to our customers for a few reasons. First, you pay less interest, which is in your best interest over time. Also, you don’t have to worry about having a loan in repayment over many months or years, which ends up being more of a hassle than a blessing. Plus, it doesn’t affect your credit like a traditional loan.

Come to Memphis’ Mid-South Title Loans for a Loan with Bad Credit

No matter what your current or past credit issues have been, Memphis’ Mid-South Title Loans is ready to help you get the funds you need to cover your expenses, during a tough financial time. Ready to get started? Fill out our online application now or bring your car by one of our Memphis area locations to learn what your car is valued at. If you have any questions, call the Memphis-area Mid-South Title Loans location near you, contact us through our website, or stop by anytime. We look forward to helping you with your loan needs!

Proudly Serving Memphis, Tennessee & the Nearby Areas

Mid-South Title Loans proudly provides title loans to customers with bad credit in Tennessee’s Memphis and Shelby counties, including the cities of Germantown, West Memphis, Midtown, Cooper-Young, East Memphis, South Memphis, Parkway Village, Whitehaven, Berclair, Raleigh Bartlett, Southaven, and the surrounding areas.

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How Do Title Loans Work vs. Traditional Loans?

How Do Title Loans Work vs. Traditional Loans?

Do you need money quickly, because you have bills that need to be paid off immediately? Maybe they are months past due, and you’re worried about collections taking them over. Maybe you’ve experienced a major job loss and are having trouble making ends meet. No matter what the scenario is, you need to find a way to get the money you need to cover bills and expenses.

When you need to get money from an outside source, you have lots of options, including both traditional loans and title loans. Traditional loans come from banks and credit unions in Memphis, and title loans come from a title loan provider, like Memphis’ Mid-South Title Loans.

If you’re considering both sources to get the funds you need, it’s important to understand the differences between the two. Let’s review.

Title Loans vs. Traditional Loans

The Requirements

Traditional loans: When you opt to apply for a traditional loan through a bank or credit union in Memphis, you’ll have the choice of either applying online or applying in person with a bank representative. Similar to a title loan, you’ll have to fill out your information in an application. In addition to filling out your information, you’ll have to provide a number of documents to prove your identity, your housing, and your employment. These can include pay stubs, W-2s, utility bills, mortgage or lease agreements, and your photo ID. Plus, your credit report is likely to be pulled, which may or may not result in a hit on your credit.

Title loans: When you apply for a title loan at Mid-South Title Loans, you’ll fill out an application online. In addition to your completed application, you’ll also need to have a lien-free title, proof of car insurance, and a photo ID. We don’t require a credit check or any verification documents. The most important document to us is your lien-free title, which we use as collateral while you pay your loan off.

The Process

Traditional loans: The process to obtain a traditional loan can be lengthy and extensive. Many times, you’ll have to set up an appointment to meet with a bank advisor, and then wait to be approved for your loan. Sometimes, this can take several days or even weeks, since they have to review the long list of documents you provided, as well as your credit report. If you’re approved, it can take several more days or weeks to get your money, after that. Depending on your Memphis bank or credit union of choice, it can take up to six weeks to get the money you need.

Title loans: The process to get a title loan at Memphis’ Mid-South Title Loans is quick and simple. Our goal is to get you the money you need as fast as possible. After you fill out your application, you’ll simply want to bring your car and the few required documents to your nearest Memphis Mid-South Title Loans location. We will inspect your car and analyze your needs and repayment ability to determine the loan amount. Once we write up the loan, we’ll need you to review the terms and provide your lien-free title for temporary keep, until your loan is paid off. After that, you’ll have your check in hand, and you’ll be on your way to use your money as needed.

The Terms

Traditional loans: Traditional loans are typically long-term, and they are repaid on a monthly basis. If your loan is in the form of a line of credit, you’ll keep it open for likely a long period of time – maybe forever. When it is a long-term loan, you’ll be paying a lot of interest, unless you decide to pay it off early, which doesn’t usually happen. Even though long-term loans seem attractive, the truth of the matter is that you end up paying a lot more than what you were initially lended.

Title loans: Title loans are short-term loans, and your title loan at Memphis’ Mid-South Title Loans is under a 30-day renewable contract. If you need more time than 30 days to pay off your loan, you may be able to renew it and pay additional interest. Short-term loans like title loans are beneficial to our Memphis area customers, because you don’t have to pay a lot of interest on your initial loan amount. We think that this is helpful, and you can get out of your financial situation easier, rather than your loan being another financial burden.

The Amount Lended

Traditional loans: Traditional loans are usually in the form of thousands of dollars, and many lenders will give you much more than you need. I bet you’ve seen the junk mail lenders saying that you’re pre-approved for up to $15,000. The reality is, it’s more than you need, but it is an attractive offer that seems to take away all of your money problems, which isn’t really true.

Title loans: Title loans are created to fill a financial gap, and the amount we lend is only up to $2500. This way, our Memphis customers can pay off their title loan over a short term, and it’s not a burden. We just get you what you need to cover your pressing expenses and bills, so you can get back on your feet.

Start Your Title Loan Application Today

Don’t wait to get the funds you need to cover the expenses you have and don’t waste your time getting a traditional loan. Experience all the benefits of a title loan at any of our Mid-South Title Loans locations in Memphis, Tennessee. We are ready to answer any of your questions today, and we’d love to provide a free car inspection to determine what it is worth. Come by, contact your nearest Memphis area Mid-South Title Loans location by phone, or contact us through our website now! We look forward to helping you with your financial needs.

Proudly Serving Memphis, Tennessee & the Surrounding Area

Mid-South Title Loans proudly provides title loans to Tennessee’s Memphis and Shelby counties, including the cities of Germantown, West Memphis, Midtown, Cooper-Young, East Memphis, South Memphis, Parkway Village, Whitehaven, Berclair, Raleigh Bartlett, Southaven, and the surrounding areas.

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Do Title Loans Affect Your Credit Score?

Do Title Loans Affect Your Credit Score?

If you’re staying on top of your finances, you’re likely paying close attention to your credit score. You make sure to stay on top of when and why it goes up or down and how it will affect your major purchases. There’s a lot to know, and it can be confusing what affects it and what doesn’t.

Luckily, there are a lot of different apps and services that help you stay in the know. They go over the details of every little change, and sometimes, banks or credit unions even provide these services for free with an account.

However, it’s good to know what’s going to affect your credit score beforehand, so that you can make better decisions about your finances. When a credit hit comes out of the blue, it can be shocking and frustrating.

A credit score is something that will stay with you forever, so your best bet is to ask questions to make sure it is kept in good condition. When you’re considering a title loan in Memphis, TN, you might ask questions like: Will my credit be a deciding factor in my title loan application? Will I see an increase in my credit, once my loan is paid off? Is there anything about a title loan that will negatively impact my credit? We’ve got all these answers here.

How a Title Loan Affects Your Credit Score

Your credit won’t be negatively impacted by your title loan application.

Have you ever applied for a loan or line of credit and been blinded by a hit on your credit report? When lenders need to access your credit score and history during the application process, they may do a soft or hard credit check. A soft credit check won’t impact your score, but a hard credit check will.

At Mid-South Title Loans, we don’t perform either of these types of credit checks, so you don’t need to worry about your score being negatively impacted, when you apply for a title loan at your nearest Memphis Mid-South Title Loans location.

Your credit score, credit history, and current financial status aren’t a part of your loan application.

In addition to not doing a soft or hard credit pull, we don’t require any information about your credit history or score, upon application of a title loan at Mid-South Title Loans. It doesn’t matter what type of past credit issues you’ve had, when you get a loan from Mid-South Title Loans.

Plus, you won’t need to provide any type of financial proof to us, such as current pay stubs, employment information, housing, and beyond. Many of our Memphis area customers come when they are experiencing financial difficulties, so it would be counterproductive of us to expect our customers to be in perfect financial condition. We understand that there are times when finances aren’t perfect, so we only have a few requirements for our title loans:

  • You must have a lien-free title, which is one that is completely paid off, and it must be issued within 80 miles from your Memphis Mid-South Title Loans location. It also needs to be in your name.
  • Your car that you lien-free title is for must be driveable. It can be wrecked, but it must be in working condition.
  • You must have current auto insurance.
  • You will need to show us that you are 18 or older with a photo ID or driver’s license.
  • You need to fill out our application.

You can also come to your nearest Mid-South Title Loans location to get a free inspection, at any time. We will give you an idea of how much we can loan you, once we can determine your car’s value.

Your credit may go up as a result of your title loan.

Since a title loan is like any other loan, you may see an increase in your score, once it is paid off. We love hearing from our customers that a title loan has helped improve their credit score, in addition to being a saving grace during a tough financial time. It is not likely that you will see a huge increase, since our loans are short-term, but you may see a slight increase.

How a Title Loan Works at Memphis’ Mid-South Title Loans

Getting a title loan at Mid-South Title Loans is quick and simple, and it can take only 20 minutes, from start to finish. Here’s how it works:

  1. You need to fill out an application, either on our website or in-store.
  2. You’ll need to gather your insurance card, photo ID, and lien-free title to show us at the store.
  3. Drive your car over to your nearby Memphis Mid-South Title Loans location to get inspected, in order to determine the amount we can loan you between $150 and $5000.
  4. We’ll give you the offer, along with the loan’s terms and conditions. Our loans are short-term and are on a 30-day, renewable contract.
  5. If you accept the loan amount and terms, you will get the money in the form of a check, in exchange for your lien-free title. We will hold your title, until you pay the loan back in full.
  6. You can drive off with your check in hand and use it for whatever financial needs you have.
  7. Pay off your loan within 30 days or renew your contract with us.
  8. Once your loan is paid off completely, we’ll happily give you back your title, and we will be here, if you ever need short-term financial help again.

Get the Cash You Need Today with a Title Loan

All of our Mid-South Title Loans locations in Memphis, Tennessee are standing by ready to help you get the funds you need, when you need them. Come by for a free inspection! Have a question or want more information? Contact us by phone or through our website or stop by your closest Memphis area Mid-South Title Loans location today!

Proudly Serving Memphis, Tennessee & the Surrounding Area

Mid-South Title Loans proudly provides title loans to Tennessee’s Memphis and Shelby counties, including the cities of Germantown, West Memphis, Midtown, Cooper-Young, East Memphis, South Memphis, Parkway Village, Whitehaven, Berclair, Raleigh Bartlett, Southaven, and the surrounding areas.

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Are Title Loans a Way to Get Quick Cash?

Are Title Loans a Way to Get Quick Cash?

Do you have bills piling up, and you’re having trouble keeping up? Are you in need of additional funds to cover a gap in your finances?

There are so many reasons that customers come to Mid-South Title Loans in Memphis for title loans. Some customers have unforeseen medical expenses and require additional financial support. Other customers are just buried beneath bills of all shapes and sizes, and many have experienced a job loss.

No matter which reason brings you to Mid-South Title Loans in Memphis, our title loans are a great source of income, when yours has fallen short. Unlike traditional loans and lines of credit, title loans are under short-term agreements, so there is less stress involved in paying them back. In addition, our title loans are easy to obtain, and we only have a few requirements to get one.

When you’re in need of quick cash, a title loan at Mid-South Title Loans is a great option, and we have three convenient Memphis locations to serve you. Here’s why it’s a great choice for you.

Why Come to Mid-South Title Loans for Quick Cash

Our process is shorter and quicker than most other lenders.

Have you ever tried to get a loan or a line of credit from a major bank or credit union and been frustrated with the long, complicated process? You’re not the only one. When you go to banks and credit unions for additional funds, you have to wait days or weeks to get approved and get your loan or line of credit. You have to provide a laundry list of information and supporting documents, and sometimes, you don’t get approved, even after the lengthy process. What a waste of time.

When you need money now, Mid-South Title Loans has the quickest, shortest approval process in the Memphis area. Here’s how it works:

  1. Start by filling out our Online Info Sheet.
  2. Gather your photo ID or driver’s license, lien-free title, and insurance card.
  3. Drive your car that your lien-free title is for over to the nearest Mid-South Title Loans location.
  4. Let us inspect your car to find out its value, so we can decide how much money – between $150 and $5000 – we can loan you.
  5. Accept the amount that we can loan you, along with your loan’s terms and conditions. Our loans are under 30-day, renewable contracts.
  6. Provide us with your lien-free title, in exchange for your check.
  7. Drive off with your check in hand.
  8. Pay your loan back in full, and get your title back
    • If you can’t pay off your loan in 30 days, you have an option to extend and renew your contract.

You can pay your expenses off immediately.

One of the most common reasons people come to Mid-South Title Loans for a title loan is to get money loaned to them immediately. Our customers love that they can get the money they need on the same day that they need it and can get it in as little as 20 minutes.

When your credit is taking a hit after you’ve failed to meet monthly payment requirements, come to Mid-South Title Loans for money immediately. When you have collections agencies pestering you and your family to make payments that you can’t make, get help from a title loan at Mid-South Title Loans. When your home or car has an expensive repair that needs to be done now, don’t wait on a home improvement loan. Get a title loan. Even if you just need a little extra money to cover a birthday, vacation, school expenses, and beyond, you can count on us.

You won’t have trouble getting approved with low credit.

When you have low or no credit, you can run into a world of issues, in order to get approved for a loan or line of credit. Most lenders require credit checks, along with income and housing verification, as a means for your approval. Even if your credit is somewhere in between bad and good, you could lose precious time by applying to the wrong places for extra funds.

We know that your expenses need to be taken care of immediately, so we don’t require any credit or background checks, as part of our approval process. We don’t require any income verification, either. We understand that you may be in the midst of a difficult financial time, so it would be counterproductive of us to ask that of you.

There are no long-term commitments.

We want the entire process of getting a title loan to be short and quick, from filling out the application to making your final payment. We don’t want to drag you along with small monthly payments over a number of years. Many times, lines of credit and loans may seem like a helpful way out of a hard financial time, but end up being more of a burden than a blessing. By making our loans short-term, we help you get back on your feet for the long-run.

Get Started with Your Title Loan Application and Get Quick Cash at Any of Our Memphis Mid-South Title Loans Locations

Ready to get the cash you need immediately? A title loan can be the answer to your prayers. Stop by any of our Memphis, TN Mid-South Title Loans locations to get a free inspection and determine the value of your car. Have a question? We’d love to answer it. Contact us by phone, through our website, or by stopping by our store to chat with one of our friendly professionals. We look forward to helping you!

Proudly Serving Memphis, Tennessee & the Surrounding Areas

Mid-South Title Loans proudly provides title loans to car owners in Tennessee’s Memphis and Shelby counties, including Germantown, West Memphis, Midtown, Cooper-Young, East Memphis, South Memphis, Parkway Village, Whitehaven, Berclair, Raleigh Bartlett, Southaven, and the surrounding areas.

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Will I Lose Anything By Getting a Title Loan Near Me?

Will I Lose Anything By Getting a Title Loan Near Me?

Are you looking to get a title loan near Memphis, TN? Maybe you’re searching through options for loans, and you ran across the option of a title loan. If you don’t know much about title loans, we’ve got all the answers for you.

When you’re in need of funds, there are a number of options that you can turn to. You could open a line of credit with a bank or a credit union, or you could get a loan. There are many types of loans and lenders available in Memphis. At Mid-South Title Loans, we specialize in short-term loans.

There are many benefits of getting a short-term, title loan with Mid-South Title Loans. You don’t have to wait days or weeks to get the funds you need, like you may at a bank or credit union. At banks and credit unions, it is time-consuming and tedious meeting the extensive requirements and enduring the waiting period, when you need cash now to cover your expenses. Here, you can also have less-than-perfect credit. We’ll approve customers with low credit or no credit, unlike many lenders. Plus, you’ll pay your title loan back in a short amount of time, saving you time and money.

So, what about downfalls of getting a payday loan? Let’s go through some concerns of first-time title loan customers.

Common Concerns of First-Time Car Title Loan Customers

I won’t get my title back.

When you come to one of the Mid-South Title Loans locations in Memphis, TN, you know up front that your car title is an important part of the process. Just how important is it? Will we keep your title forever?

No, we won’t keep your title forever. When we approve you for a loan at Mid-South Title Loans, we give you your money in exchange for your lien-free title – temporarily. We’ll keep your title for the short period of time that it takes you to pay your loan back. Your loan will be under a 30-day, renewable contract, and you’ll have an option for an extension. We only keep your title while your loan is still active, and once it is paid off, we will immediately give you your title back, along with a thanks.

My car will be used as collateral.

Your car is not going to be used as collateral for your car title loan at Mid-South Title Loans. The only part of your car we’ll be using as collateral for your loan is your title. Your car does play a part in the process, though. We inspect your car to determine how much money we can loan you. The value of your car will affect what amount you receive, between $150 and $5000. So, it’s important to be driving your car that you title is for, when you come into the Memphis Mid-South Title Loans location near you.

I have to be in a good financial status to get a title loan.

This is certainly not true. While you may have to be in good financial standing to get other loans, a car title loan is not one of them. Our application process is unique, because neither your credit score, your financial history, nor your current job is a qualifying factor. We do not perform any credit or background checks, so if you don’t have perfect credit, we are a great place for you. We understand that you may be going through a tough financial time, and we want to do everything we can to help you through it, no matter what situation your finances are currently in.

I’ll be paying a lot of interest on my title loan.

No, you won’t. The best part about a title loan, compared to traditional loans and lines of credit, is that we don’t lock you into a long-term contract. Long-term contracts force you to pay a large amount of interest over time. Our contracts are under 30-day, renewable terms, and if you need more time to pay it off, you can. We want you to pay it off as quick as possible. We hope that the funds you receive are helpful in covering a small gap in your finances.

It will take days or weeks to get a title loan, and I need money now.

One of our customers’ favorite benefits about our title loans is that you get the money you need now, so you won’t be waiting days or weeks to get your funds. It’s what truly sets us apart from the competition. Believe it or not, you can get a title loan in as little as 20 minutes.

Our simple process works like this:

  • Fill out our online application.
  • Gather your current photo ID or driver’s license (showing you are 18 or older), your current insurance card, and your lien-free title (which is fully paid off).
  • Drive the car your lien-free title is for to the closest Memphis Mid-South Title Loans location, where we will inspect it and determine the amount we loan you.
  • Accept your loan amount and terms, in exchange for your lien-free title.
  • Pay off your loan in 30 days or extend your contract for more time.
  • Come get your title back, whenever you have paid the loan in full.

We want to make the process as simple and as quick as possible. We love being able to provide a quick and easy loan service to anyone with a lien-free title, who is in need of short-term funds. It’s our goal to help you with the money you need, when you need it most.

Find a Title Loan Near Me at Mid-South Title Loans in Memphis

Come to the quick and simple loan provider, Mid-South Title Loans, for your financial needs. We’ll get you the money you need, as soon as you need it, so that you can take care of your pressing financial needs. Have a question or want to learn more? Call us now or come into one of our convenient Memphis locations for a free car inspection. Also, feel free to contact us through our website anytime!

Proudly Serving Memphis, Tennessee & the Surrounding Areas

Mid-South Title Loans proudly provides title loans near me in Tennessee’s Memphis and Shelby counties, including the areas of Germantown, West Memphis, Midtown, Cooper-Young, East Memphis, South Memphis, Parkway Village, Whitehaven, Berclair, Raleigh Bartlett, Southaven, and the surrounding areas.

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5 Reasons to Visit One of Our Tennessee Title Loan Locations Near You

5 Reasons to Visit One of Our Tennessee Title Loan Locations Near You

Are you looking for car title loan services near me on your phone or computer, because you’re experiencing a hard financial time? A lot of people searching for car title loans near me haven’t even heard of car title loans, but saw them as an option through another search. Sometimes, people like you have gotten a car title loan before, or know of someone who has. Either way, we want to help you understand why our Tennessee title loans are beneficial to you.

Our title loans service in Tennessee is a great solution for those searching for car title loans near me that need short-term money to cover expenses that aren’t able to be met. Whether it’s because of a job loss or unexpected expenses, there are financial needs of all shapes and sizes that our customers can use our title loans for.

While our car title loans are similar to traditional loans, the title loans at Mid-South Title Loans are a better choice for many reasons.

5 Reasons to Get a Car Title Loan Me at Tennessee’s Mid-South Title Loans

1. We can get you funds as quickly as 20 minutes

Yes, we can get your funds in as quickly as 20 minutes, because we only have a few basic requirements. Our team will take care of the rest. You’ll only need to bring your:

  • Driveable vehicle - Even if it is crashed – if it is driveable, you qualify.
  • Lien-free title - This needs to be in your name and completely paid off, as well as issued in the tri-state area within 80 miles of the Mid-South Title Loans location near you.
  • Photo ID or driver’s license, showing you are 18 or older.
  • Car insurance

That’s it. Unlike many credit unions and banks who require job verifications and an extensive list of documents, our requirements are simple and easy. No need to spend time waiting for approval or having to fill out applications at multiple places. We’re a one-stop-shop who doesn’t want to keep you from getting the money you need to cover your expenses.

2. We can help you if you have bad credit or no credit

Unlike traditional Tennessee credit unions and banks, we don’t require perfect credit to get the loan you need. It is a pain to try and get loans when you don’t have perfect credit. Even if your score is decent, you can still have trouble getting approved.

We don’t care if you’ve had past credit trouble or financial struggles. Even if you just haven’t had the chance to build your credit, we can help you. We simply decide the loan amount based on the amount your car is worth. We don’t require any background or credit checks, so you don’t need to worry.

Plus, credit pulls often damage your credit, which would be the exact opposite of what we’re trying to do at Mid-South Title Loans. We want to help you through your tough financial situation and get back to a good place financially.

3. Get your financial needs taken care of now

When your finances are out of hand, due to job loss, unexpected expenses, and beyond, it can be extremely stressful, uncomfortable and tough to live with. We want you to get your financial needs taken care of as soon as possible with our title loans.

We help our Tennessee customers take care of immediate expenses and get afloat, with things like:

  • Dental and medical expenses
  • School expenses
  • Home repairs or mortgage payments
  • Tax debt
  • Car repairs
  • Holidays
  • And more!

Mid-South Title Loans’ car title loans help you no matter what you need help with. Our Tennessee customers love that they can finally get on top of the bills, which is just what they need to get back in a good place financially. The last thing they want is for bills to go to collections, or if they’re already there, they can get them taken care of immediately.

4. Our process is as simple and easy as it gets.

To get between $150 and $5000 today, all you need to do is:

  1. Fill out our online loan application
  2. Drive your vehicle to one of our three Tennessee locations near you. We will inspect the vehicle to determine the amount we can loan you, based on the worth.
  3. Provide the documents listed above.
  4. Accept the loan offer and its terms and conditions.
  5. Provide your your lien-free car title in exchange for the funds, which we will keep until your loan is paid off (in 60 days with options for extension).
  6. Drive away with your funds in hand.
  7. Repay the title loan, then get your title back, along with our thanks!

It’s a simple process that all of our Tennessee customers love, and you don’t have to worry about us taking anything from you permanently. We just keep your title for a temporary time, and it allows us to not have to do any extensive background checks or requirements. We are glad that we can offer this simple service to get you the money you need immediately.

5. We have three Memphis, Tennessee locations for your convenience.

It’s our goal to make it as easy as possible for you to get the funds you need, so we have three Mid-South Title Loans locations in the Memphis area. Whether you reside in or just outside of Memphis, we can help you get the cash you need with a title loan. Our three Mid-South Title Loans locations are at:

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

Our friendly professionals at all of our locations are available to chat with you at your convenience and answer any questions you have about getting a car title loan. We are even here to inspect your car for free, at your convenience. Just come in to the location nearest you today!

Ready to get started? Fill out your application now!

Get a Title Loan at One of Our Tennessee Mid-South Title Loans Locations

Tennessee’s Mid-South Title Loans is ready to help put an end to your financial struggle with a car title loan. Stop by one of our convenient Tennessee locations for a quick, free inspection, call us if you have any questions or contact us through our website today!

Proudly Serving Memphis, Tennessee & the Surrounding Areas

Mid-South Title Loans proudly provides title loans to car owners in Tennessee’s Memphis and Shelby County, including the areas of Germantown, West Memphis, Midtown, Cooper-Young, East Memphis, South Memphis, Parkway Village, Whitehaven, Berclair, Raleigh Bartlett, Southaven and the surrounding areas.

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When Should You Get a Title Loan in Tennessee?

When Should You Get a Title Loan in Tennessee?

When you are in need of money, you have a lot of options of where you can go to get it. You can go to a bank or a credit union and ask for a personal loan, line of credit, or something similar. You could go to a cash advance service, ask a friend or family member for help, or you could get a car title loan.

If you’ve never heard of a car title loan, you may not know if it’s right for you. Our customers find that a car title loan helps them in many different situations, and it is easier to obtain than traditional loans and lines of credit from a bank or credit union.

Whether you need money immediately to cover important expenses or you are having trouble getting a loan at a bank or credit union due to bad credit or no credit, we can help. Here’s how you know if you should get a car title loan from Mid-South Title Loans, over other traditional loan options.

When Should You Get a Car Title Loan?

1. You have bills or immediate expenses

When bills are late or in collections, it’s of utmost importance to get those taken care of. But if you don’t have the money to do that in the short-term, a car title loan at Tennessee’s Mid-South Title Loans is a great option for you.

Our customers use their car title loan for many bills and expenses, including:

  • Dental and medical bills
  • School expenses, such as books and tuition
  • Car or home repairs
  • Holidays
  • Vacation
  • And more!

It’s a great feeling getting out of a financial rut with the help of a car title loan at Mid-South Title Loans. We help you get above water for your short-term needs, then you can pay us back within 60 days, with options for extension.

2. You have less-than-perfect credit

Many families have experienced financial ruts during the recent economic crises, and therefore, have a hard time getting approved for loans or lines of credit, which can be painful if they’re in a tough situation where they need money. Even if you just haven’t had a chance to build your credit, you will have trouble with banks or credit unions accepting your application and loaning you money.

Mid-South Title Loans in Memphis, Tennessee is a great option for people with credit issues of all shapes and sizes, because we don’t require a credit check at all. We simply require your lien-free title to be used as collateral while you pay off your loan, along with a few documents beforehand.

We want to help you build your credit and get in a good place financially, and we know that hard credit pulls damage your credit. So, we are proud to be a no-credit-check loan option for our Tennessee customers.

3. You own a lien-free title

If you have a car title that is in your name and is completely paid off, or lien-free, you qualify for a title loan in Memphis’ Mid-South Title Loans, as long as it’s been issued within 80 miles of your nearest Mid-South Title Loans location.

In addition to needing a lien-free title, you’ll need to fill out our application and provide a few simple, basic documents to our location when you come to get your money, like:

  • A valid photo ID or driver’s license, showing you are 18 or older
  • Your current car insurance

In addition, you’ll need to drive the car with your lien-free title to the Memphis, Tennessee Mid-South Title Loans location near you to get evaluated. We will use this to determine how much we can loan you, which will be based on how much your car is worth. We will offer you between $150 and $5000. Then, your lien-free title will be used as collateral, until you pay back your loan in full.

4. You need money now

When you need money immediately, you can’t wait weeks to get approved by banks or credit unions. Our process at Mid-South Title Loans is simple and easy, and it can take as little as 20 minutes from start to finish. It’s truly what sets us apart from other lenders.

Here’s how our quick and simple process works:

  • You fill out our application
  • You bring in the required documents (mentioned above), while driving the car your title is for
  • We inspect your car to determine your loan amount, then make you an offer
  • You accept the loan amount and terms, in exchange for us temporarily keeping your car title
  • You pay off the loan (usually in 60 days, but can be extended) and get your title back from us, plus a thanks!

Ready to get the funds you need with a car title loan today? Complete your online application or bring in your car now to get a free evaluation at your nearest Memphis Tennessee location!

Come to One of Our Three Memphis, TN Locations for Your Car Title Loan

It’s quick and easy to get the funds you need now with any of our convenient Memphis, Tennessee locations. Have a question that we can answer? Contact us through our website or call one of our locations below to talk to one of our friendly customer service professionals!

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

Proudly Serving Memphis, Tennessee & the Surrounding Area

Mid-South Title Loans proudly provides title loans to car owners in Memphis, Tennessee and Shelby County, including Germantown, West Memphis, Midtown, Cooper-Young, East Memphis, South Memphis, Parkway Village, Whitehaven, Berclair, Raleigh Bartlett, Southaven and the surrounding areas.

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5 Spring Home Repairs You Can Use a Car Title Loan For

5 Spring Home Repairs You Can Use a Car Title Loan For

Spring is not only a great time for deep cleaning and organization, it’s a great time to spend some money on home repairs that are past due or are ready to be done to prepare you for Tennessee’s spring and summer changes in weather.

Unfortunately, home repairs can be costly, and you may not having all the money saved up to take care of some important tasks, such as window or air conditioner replacements. We all know that one of the worst things that could happen to your and your family during the hot Memphis summer heat is having your air conditioner going out. Trying to sleep, or do anything for that matter, without air conditioning is miserable, on those hot summer days and nights.

In addition, spring and summer can bring nasty storms that you need to be prepared for. So, it’s time to take the plunge to do the repairs your home needs this spring. It’s easy to finally put those tasks on the immediate to-do list, when you have the help of a car title loan from Memphis’ Mid-South Title Loans. Unlike traditional home improvement or personal loans, you can get a car title loan in as little as 20 minutes, and you don’t have a laundry list of requirements.

When you’re ready to get your car title loan, you can use your funds to pay for important spring home repairs. Here’s a few that our customers commonly use their car title loans for.

5 Spring Home Repairs to Complete with Your Car Title Loan

1. Roof inspection

Your roof is one of the most important parts of your house, and it plays a big part in protecting you from the heavy storms and rain. It’s a good idea to get your roof inspected in the spring, so you can be sure that it’s going to do its job during tough storms throughout the spring and summer. Even if you’re not foreseeing any problems because you haven’t had any recently, a crazy storm may uncover some vulnerabilities that you’d only find if you’d have gotten your roof inspected.

A roof inspection can help determine if you have any broken shingles that need to be replaced, helping you solve small problems before they become big ones that impact your quality of life – and your budget. Plus, if your roof hasn’t been worked on for a while or is old, you may even need a new roof. You won’t know until you get it inspected, which is only a couple hundred dollars (including repairs). It’s a great investment for years to come.

2. Storm preparation

When you aren’t prepared for intense storms, it can come back to haunt you. It’s better to spend the money to prepare, rather than pay more later and experience extreme stress and discomfort for days or weeks.

There are a couple things you might consider to do to get prepared for the possibility of extreme storms: purchase a generator, reinforce your garage, and add storm shutters. These are great ideas that help you get peace of mind that you need when the storms hit.

3. Air conditioner tune-up

When’s the last time you had your air conditioner checked or replaced? If you’ve had your air conditioner for more than 10 years, there’s a chance you could need a replacement. In any case, you should get your air conditioner cleaned, checked and tuned up by professionals once a year. One of the worst things that can happen during the hot Memphis summer is having your air conditioner break, in one way or another. The best way to avoid that happening is by getting a tune-up.

Your car title loan can help pay for a tune-up that includes condenser coil cleaning, coolant levels check, thermostat calibration, ductwork checks for leaks, electrical connections check, and your blower belt and motor tuned. In the case that you need a full-on replacement, a car title loan will be a great way to help pay for it. And you won’t need to be worried about being without air conditioning at any point this spring or summer.

4. Clean gutters

Do you see any pools of water near your gutters? Have you had your gutters cleaned since last summer or before? When your gutters haven’t been cleaned in a while and you get a lot of rain, you can experience water build up, causing expensive problems like leaking into the foundation. While getting your gutters cleaned is only around $150, foundation repairs are expensive.

To avoid making expensive repairs on your foundation due to unchecked gutters, a great spring home repair is gutter cleaning. While cleaning, you may even find out you need repairs to help water flow better or fix broken areas. Either way, it’s easy to get your gutters checked and cleaned with the help of a car title loan from Mid-South Title Loans.

5. Window replacements

Do you feel drafts coming from your windows? Do you have high energy bills? Are your windows old or damaged? If you answered yes to any of these questions, you should consider getting some or all of your windows replaced.

Window replacements are a great use of money, and your car title loan can help you pay for them. They’re a great investment not only to save you money on your energy bills now, but to also increase the equity of your home when you decide to resell.

How to Get a Car Title Loan for Home Repairs This Spring

Mid-South Title Loans makes it quick and easy to get the money you need for your spring home repairs, through our car title loans. We don’t have any extensive requirements or background checks, so you won’t need to wait weeks before getting approved. Plus, you don’t need to have perfect credit, since we don’t check your credit.

When you’re ready to experience all the benefits of a car title loan from Mid-South Title Loans, here’s what you’ll need to do:

  1. Complete our simple application
  2. Gather your documents:
    • a. A lien-free title - A lien-free title is one that is debt-free, and it needs to be issued in your name within 80 miles of your Mid-South Title Loans location.
    • b. A photo ID or driver’s license, showing you are 18 or older.
    • c. Current car insurance
  3. Drive your car and bring your documents to the nearest Mid-South Title Loans location. We will then inspect your car to determine its worth and how much we will loan you – an amount between $150 & $5000.
  4. Accept the offer and terms, and let us borrow your title, until we are paid back.
  5. Pay off the loan in full (usually 60 days) and get your car title back, along with a thanks.

Ready to get started? Start by filling out an application on our website or simply drive your car to your nearby Memphis Mid-South Title Loans location to get a free evaluation!

Let Mid-South Title Loans Help Get Your Spring Home Repairs Completed

We want to help you get your home in the best shape possible with the help of our title loans. Get your loan today in as little as 20 minutes. Contact us for more questions through our website or call the location near you now!

Proudly Serving Memphis, TN & the Surrounding Area

Mid-South Title Loans proudly provides car title loans to customers in Memphis, TN and Shelby County, including the cities of Germantown, West Memphis, Midtown, Cooper-Young, East Memphis, South Memphis, Parkway Village, Whitehaven, Berclair, Raleigh Bartlett, Southaven and the surrounding areas.

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Why Should Tennessee Area Car Owners Choose a Title Loan for Quick Cash?

Why Should Tennessee Area Car Owners Choose a Title Loan for Quick Cash?

Loans are a great option for people who are in need of extra money, to cover anything from basic needs to outrageous bills. There are many types of loans and ways you can go about obtaining money. Maybe from a family member or your bank. Or maybe these aren’t an option for you, and you’re researching other avenues.

Many times, loans require top-notch credit scores to get the amount you need at an interest rate that isn’t sky high. But if you don’t have a great credit score or you don’t have any credit at all and you need quick cash, you need another option.

A short-term loan is a great option for anyone needing quick cash, regardless of your credit score. Short-term loans, like title loans, can be repaid quickly, and typically come with less interest. But many short-term loan companies in the Tennessee area have extensive requirements, and if you just want a simple solution for your financial needs, you need to come to Memphis’ Mid-South Title Loans.

If you own your vehicle, we make it simple to get short-term cash you need. It doesn’t require you handing your car over to us or us taking permanent possession of your title – don’t worry. It’s a pain-free option that leaves you with the money you need to meet the short-term needs of your current financial situation.

Why Choose Tennessee’s Mid-South for Title Loans

You can get your money quickly.

Most Tennessee banks and credit unions take a week or longer to approve your application, then it takes even longer to get you your money. When you have bills piling up, we understand how stressful it is. You can’t wait. Our title loans at Memphis, TN’s Mid-South Title Loans come in handy for just that, because the whole process, from start to finish, can be as quick as 20 minutes. Really! Be up to $5000 richer in only 20 minutes. We want you to get your money as soon as you need it, and if you’re itching to get started, fill out our online application now!

No credit or long list of supporting documents needed

Many times, when applying for loans and lines of credit, your credit score can experience a drop, as a result of a credit pull. But since we aren’t trying to ruin your credit while loaning you money, we don’t perform background checks or credit pulls. That doesn’t make a whole lot of sense to us. Especially when you’ve had credit struggles, you’re probably not too keen on the idea of a company pulling your credit score, in order to loan you money.

Before giving a loan, most Tennessee banks or credit unions also make you gather a long list of documents, like pay stubs, address verification, and beyond. We don’t think that is necessary here. Mid-South Title Loans has a quick and easy process, because it only requires the minimum. And when you’re ready to get your title loan for quick cash at a Memphis Mid-South Title Loans location, you only need to have:

  1. A filled out title loan application
  2. A valid photo ID or driver’s license that shows you’re 18 or older
  3. A lien-free title in your name - If you haven’t heard the term, a lien-free title is a title that shows that your car is completely paid off. We also need your title to be from somewhere within 80 miles of Memphis, TN, in your name.
  4. A drivable car - We don’t care if your car is damaged. As long as it’s in working condition, you can get quick cash from our title loans.
  5. Car insurance - Make sure you have up-to-date car insurance, and go ahead and bring your card with you to one of our Memphis locations.

As soon as you can meet all five of these requirements, you can get between $150 and $5000 immediately with a title loan at Mid-South Title Loans in Memphis, Tennessee.

Our process is as easy as 1-2-3

Quick and easy service is the name of the game at all of our Mid-South Title Loans in Tennessee. It’s our top priority to make it as simple as possible for you to get your title loan, so you can start taking care of your demanding bills and expenses. Here’s how our simple process works:

  1. Fill out a title loan application completely
  2. Drive your vehicle at the nearest Memphis Mid-South Title Loans for inspection
  3. Gather your required documents - Like we previously mentioned, you’ll need to gather your valid photo ID, car insurance card, and the lien-free title that is in your name.
  4. One of our outstanding loan professionals will quickly evaluate your car and determine the amount we will loan you.
  5. Upon approval, we will give you your money, in exchange for your title, temporarily.
  6. Once you repay your title loan completely, we’ll happily give you your title back, along with a thanks.

Get your loan paid off quickly

Not only is our process simple, so is paying off your loan. Traditional long-term loans burden you with lots of interest over time, and it can put you in an even worse place financially. Here at Mid-South Title Loans, we truly care about your finances, and we want you to get back on track. So, we want you to pay off your loan over a short term, so you can get your title back, in addition to being on track financially. Loan terms at Mid-South Title Loans are typically for 60 days, but if you need a little wiggle room, you can extend it.

You can take care of bills or expenses immediately

If your bills aren’t getting paid promptly, you can run into trouble, and maybe you already are. Whether your credit is getting hit or collectors are calling, now’s the time to put it all to a stop with a quick, short-term loan. And you’re not alone – our Memphis, Tennessee customers use their title loan cash to help with many types of expenses, including:

  • Dental or medical expenses
  • Home improvement repairs
  • Christmas or birthday presents
  • Family trips
  • Basic needs
  • And everything in between!

So whatever you need the money for, Memphis’ Mid-South Title Loans is here to help you get out from underneath your financial burdens today.

Ready to get cash for your title? Fill out our Online Info Sheet now or bring your car to one of our Memphis,TN locations for a quick, no-obligation free evaluation!

Get a Title Loan in Tennessee at Mid-South Title Loans

If you own your car, bring your title into Tennessee’s Mid-South Title Loans for quick cash today. Get in touch with us now by coming in to one of our convenient Memphis locations or contact us through our website now!

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

Proudly serving Memphis, Tennessee & the surrounding cities

Mid-South Title Loans proudly provides quick cash title loans to Memphis, Tennessee and Shelby County, including the areas of Germantown, West Memphis, Midtown, Cooper-Young, East Memphis, South Memphis, Parkway Village, Whitehaven, Berclair, Raleigh Bartlett, Southaven and the surrounding areas.

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What Do Memphis, TN Car Owners Gain from a Title Loan?

What Do Memphis, TN Car Owners Gain from a Title Loan?

When you live in Memphis, TN and you are in need of short-term cash, there are a lot of options. You could go to a bank and ask for a personal loan or a line of credit, or you could go to the local credit union and get a line of credit. The problem is: most of them have extensive requirements, long-term repayment, and high interest rates – not to mention a long wait period before you’re approved. When you only need a small amount of cash to cover a dry period in your finances, you need a better solution.

Memphis, TN’s Mid-South Title Loans is a short-term cash solution that beats the rest. We offer title loans that you can get on the same day in less than an hour. There are only a handful of requirements, and if you are a car owner, you likely already meet them. You also repay our title loans back quickly, so there’s no worrying about ongoing payments for years to come.

A title loan doesn’t mean we keep your title forever or even your car, for that matter. You don’t lose anything – you only gain the short-term cash you need to cover your bills that are piling up.

Why Get a Title Loan from Memphis, TN’s Mid-South Title Loans

Quick cash

It’s hard to find banks or credit unions that will get you the cash you need quickly. That’s where short-term loans like Memphis, TN’s Mid-South Title Loans come in handy. Our whole process, from start to finish, can be as quick as 20 minutes. Yes, really! In 20 minutes, you can get up to $5000.

We understand that bills and other expenses don’t wait, so you don’t have time to wait, either. As soon as you need the money, we can get it to you. If you’re itching to get started, fill out our online application now!

The ability to take care of your bills or expenses immediately

When bills don’t get paid on time, it can result in your credit lowering or collectors harassing you or your family members, which can be both annoying and embarrassing. For whatever reason you’re currently having financial struggles, don’t let your credit go bad and your bills go unpaid. Our Memphis, TN customers use their title loan cash for:

  • Dental or medical expenses
  • Christmas gifts
  • Birthday gifts
  • School tuition
  • Home improvement repairs
  • Car expenses
  • Basic expenses
  • And beyond!

It doesn’t matter if you need the money for a planned family trip, gifts, medical bills or just to cover basic expenses, Memphis’ Mid-South Title Loans will take care of you with our title loans. We can help you get out from under water in your finances and start to see the light again.

No credit pulls or long list of documents needed

When you apply for loans or credit lines, it can result in either soft or hard credit pulls, which can actually damage your credit. We don’t want to hurt your credit. We just want to help you get the money you need, so we don’t do any background checks or credit pulls. Especially if you have had past credit problems, the last thing you want a loan that requires a credit check, because you may have gotten denied in the past.

In addition, lots of banks and credit unions have a long list of documents needed to lend you money, such as pay stubs, address verification, and beyond. We aren’t that nosey. Our process is quick and easy, because we have minimal requirements. When you’re ready to get money quickly at one of our three Memphis Mid-South Title Loans locations, you’ll only need to meet these five requirements:

  1. You own lien-free title - A lien-free title means that you don’t owe anything on your car. Your title also needs to be from somewhere within 80 miles of Memphis, TN, in the tri-state area.
  2. You have drivable car - Even if your car is damaged, if it is in working condition, you qualify.
  3. You have valid photo ID showing you are 18 or older
  4. You have car insurance - You need to have up-to-date car insurance, so bring your card with you to get your car title loan at one of our Memphis locations.
  5. You need to fill out our title loan application

If you meet all five of these requirements, you’ll be able to get between $150 and $5000 with a title loan at Mid-South Title Loans in Memphis, TN.

A pain-free process, from start to finish

Our Memphis Mid-South Title Loans stores all keep the loan process simple. Our customers love our quick and easy service. When you’re ready to get a title loan to help meet your financial needs, all you need to do is:

  1. Get a title loan application filled out either online or in-store.
  2. Drive your vehicle to your nearest Memphis Mid-South Title Loans.
  3. Bring the required documents - As mentioned before, you’ll need to bring your valid photo ID, car insurance information, and a lien-free title in your name.
  4. Let one of our friendly professionals evaluate your vehicle to determine the amount we can give you in a loan.
  5. Take your money, in exchange for your car title.
  6. Repay your title loan to get your car title back.

Our process is simple and pain-free, and it’s even easy paying off your loan.

Get your loan paid off quickly

Long-term loans leave you with tons of interest built up over time, which we don’t agree with, here at Mid-South Title Loans. We want you to pay off your loan quickly, so you can get your title back, along with being back in good financial standing. Our loan terms are 60 days in length, but we allow a little wiggle room, if you need to extend it due to finances being short.

Ready to get paid for your title today? Find our Online Info Sheet on our website to get started or bring your car to one of our Memphis,TN locations for a quick, free evaluation today!

Get Your Title Loan in Memphis, TN at Mid-South Title Loans

Memphis’ Mid-South Title Loans is your one-stop-shop for quick cash, in exchange for your car’s title. Our loan professionals are ready to help you get the money you need today at one of three Memphis, TN area locations. Also, feel free to get in touch with us through our website today!

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

Proudly serving Memphis, TN & the surrounding area

Mid-South Title Loans proudly provides title loans to car owners in Memphis, TN and Shelby County, including Germantown, West Memphis, Midtown, Cooper-Young, East Memphis, South Memphis, Parkway Village, Whitehaven, Berclair, Raleigh Bartlett, Southaven and the surrounding areas.

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OUR LOCATIONS

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