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Title Loans: How to Use Them Responsibly by Andrew Stratton





Title Loans: How to Use Them Responsibly by
Article Posted: 02/11/2009
Article Views: 214
Articles Written: 5522
Word Count: 651
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Title Loans: How to Use Them Responsibly


 
Finance & Investment
Title loans are given by lenders who use your car title, also known as a pink slip, as collateral for the loan. These types of loans were created to provide quick cash for emergencies. When used irresponsibly, they can damage a person's credit even further.

When used responsibly, however, a title loan or pink slip loan can help rebuild your credit at the same time. Here are some things to keep in mind when taking a title loan. Understand the Terms

Before you enter into an agreement for a title loan, make sure that you have a complete understanding of the terms. This will help you avoid losing your pink slip to the lender and from having to pay more than the original debt.

Consider All Your Options If you have a steady income, from a job, government assistance or other means, you should consider all of your financing options like, traditional loans, credit card cash advances, payday loans, title loans, and unsecured subprime loans.

When evaluating each type of loan, try to get the one with the lowest interest rate.

Often a title loan is the best option for people with no credit or bad credit, because it is a secured loan so that interest rates are still higher than traditional loans, but are much lower than unsecured loans.

Have a Plan for Repayment Some lenders of title loans do not require proof of income or employment when approving your loan. However, it is advisable that you are well prepared to pay off the debt and are equipped with a proper repayment plan before you sign any documents.

Repay On Time, Earlier if Possible It's always good to make your payments early to avoid a late payment penalty. It will also be better if you can pay more than the minimum payment each month. Ideally, choose a company that does not charge a repayment penalty, because you can save on interest charges by paying off the debt before it's due.

The quicker a loan is paid off, the less interest, the borrower will end up paying. Some agreements will allow for interest-only monthly payments, but it is wise to make payments towards the principal every month to avoid a large balloon payment at the end of the term or face the possibility of losing your car title. Loans like this can pull you into a debt trap.

If you're the kind of person, who has a hard time paying bills on time or remembering when your payments are due, you should choose a to pay with post-paid checks or direct debit from your bank account.

If you default on payments, you also face the possibility of losing the pink slip, which is when the lender initiates the process of repossessing and selling the vehicle to recover the debt.

Finding a Suitable Lender Avoid lenders with predatory lending practices designed to get you deeper in debt. Search for a reputed lender that offers flexible term options and no prepayment penalty. Also ensure that they guarantee complete confidentiality and will protect and secure your sensitive personal information to prevent identity theft.

If you understand how to use title loans responsibly and decide that it is really the best option for you, don't hesitate any longer. All you need to apply for is a clear pink slip and proof that your vehicle is paid off or nearly paid off.

Most lenders will allow you to apply for a title loan through a secure online application or by phone and let you know within minutes if you've been approved. You could have your cash in hand within hours.

Wilshire Consumer Credit is a lender that offers flexible term options and no prepayment penalty and operates in several states including Arizona. Title loans given by this lender features loan terms that work for the customer, not against. Visit www.123fundme.com to apply now.

Related Articles - title loans nm, title loans sc, title loans in south carolina,

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