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Avoid Late Bills With The Help Of A Title Loan

We all know how damaging late bills can be. If you don’t have the money to deal with major bills when they arrive, you’ll be faced with the dreaded late fees. The good news is that you can use a title loan from us at Southwest Title Loans to help you out! But just how can this kind of loan help you avoid paying your bills late? Well, all you have to do is keep reading this article to learn more about this loan and how it can be of help to you right now.

How Can A Title Loan Help Avoid Late Bills?

Late bills should be avoided at all costs as they can have a significant effect on your credit score – which we all know how a bad credit score can negatively impact life. Furthermore, you also have to deal with a late fee that generally ranges between $25 and $50, but can be a lot higher, in some cases. With a title loan from Southwest Title Loans, you might get your hands on the money as soon as the same or the following bank day.

This is especially important if you have only a few days left to prevent a late payment. And if you are hit with an emergency while you are trying to handle your bills, a title loan can be the right choice for you because it was designed to help with emergencies. We will also go over the repayment schedule with you, so you will know exactly what you have to repay and when, allowing you to work it into your current budget to keep things in order in your mind.

man avoiding his late bills

Would It Be Easy To Take Out A Title Loan?

The best part about this loan is the simple process. We here at Southwest Title Loans have made sure to keep the process simple and quick so you can find out as soon as possible if you can get this loan. In fact, all you have to do is gather the required items – which we will talk about in the next section – and meet with one of our loan representatives. You don’t even need to come to one of our store locations because we have the option of coming to you instead!

What Documents Will You Need?

The first item you will need is your state-issued photo ID or driver’s license to prove your identity and that you're above 18. To take out a title loan, you’ll also need your vehicle and the title to it. The amount that you might be able to qualify for would depend on your car’s value and its condition. The title is what we are using as collateral to secure the loan. This means your title needs to be in your name and free of any outstanding liens.

You’ll need to make any corrections on your title at the DMV before you come see us. You also have to make sure you are completely finished making payments on your vehicle before you can qualify for this loan. The good thing is we will not hold onto your vehicle while you are repaying the loan because we are only using the title as collateral. Just make sure you stick to the repayment schedule and you will be able to keep and use your vehicle whenever you want.

Why Choose Southwest Title Loans?

With the right lender, you will have a hassle-free title loan experience and you will find out if you can get the much-needed cash in the shortest timeframe. We here at Southwest Title Loans have been providing this kind of loan to happy customers for a while. This means we have representatives that are happy and willing to help you out throughout any step of the process. In fact, you can even chat with us through our website if you don’t want to talk on the phone or come into the store just yet.

How Does The Process Work?

Now that you know how a title loan can help you avoid late bills, you are now ready to begin the loan process. And as we said, the process is simple and quick for anyone to get through! In fact, you only have to follow a few steps in order to find out if you qualify for approval. So, if you are ready to find out if you can get this loan, just follow these steps that we’ve broken down for you right below:

  1. Fill out a short online form with some basic information. Make sure to double-check the phone number that you’re providing, as one of our representatives will use it to call you back. All of your information is kept confidential, since we only use it to get you on the right track to get through the process.
  2. You will soon receive a call from our representatives who will go through the required items and answer any questions you may have. They will also set up a meeting for you to either come to one of our Arizona store locations nearest you, or have the representative meet you at another location of your choosing.
  3. Whether you meet at the store or at another location, you will still need to bring your lien-free title, your driver’s license or state-issued photo ID, and the car. We will inspect the car to use its condition and resale value as a way to determine how much we can lend to you. We will also assess your title and your ID.
  4. If you are approved and you like the amount we can lend to you, we will go over the loan terms and have you finish signing the paperwork. Once you are done, you can drive off in your car and you’ll have the money either later that same day or the next bank business day at the latest.

avoiding late bills with help

Take Care Of Your Bills Today!

Has an urgent bill taken you by surprise or you simply forgot to take care of it a few weeks or months ago? Don’t worry, there is a way to avoid paying a late fee even if you don’t have any extra cash at the moment. With a title loan offered by Southwest Title Loans, you might be able to deal with the issue as soon as today or the next bank business day. So, don’t wait any longer – get started right now by filling out our online form.


Note: The content provided in this article is only for informational purposes, and you should contact your financial advisor about your specific financial situation.

Louis Tully

Louis Tully is a full-time finance writer offering financial expertise to everyday consumers. He understands the core values of finance and used his writing talents to share his own experiences with money to his readers. His articles teach how financial failures can easily become successes by making new habits and creating realistic goals.

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