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How to Get a Loan Approved Fast from Emergency Cash Lenders

April 8, 2021 | Mason Roberts

get approved from an emergency cash lender

If you’re experiencing some financial difficulties right now – you’re certainly not alone. And you’re not alone in your attempts to get funds from emergency cash lenders either. Many of those who need cash fast to cover large unexpected expenses resort to short-term fast loans like title loans.

For a good reason too! Title loans are accessible, easy, and, if approved, they will most likely enable you to cover your emergency the very same day.

But before you run to any emergency cash lenders for a loan, do think about it twice. Do you really have no other options?

Is NOW the Right Time to Get a Loan from Emergency Cash Lenders?

Without any doubts, getting debt should not be your first choice in dealing with financial problems. And if you’re hesitant about whether getting a loan is the right option for you at this moment, ask yourself the following questions:

  1. Is the problem time-sensitive? Is there a risk it will become unfixable if not handled immediately?
  2. Will it cost more to handle it in the future?

If you can postpone dealing with the problem for a little while, you should attempt to get funds together from sources other than emergency cash lenders. Ask for a salary advance, get a side-hustle, even just readjusting your budget and cutting down on monthly expenses may do the trick.

If you’re on a time limit, however – getting a title loan, dealing with the problem, and paying the loan off after could be the optimal solution.

Good examples of situations that call for a loan would be medical and vet bills, car troubles, electrician, locksmith, or plumber services, overdue rent, etc.

How to Be Approved by Emergency Cash Lenders Fast

So, we’ve determined you do need to get a loan. And it’s desirable to get approved fast. What do you do?

Luckily, emergency cash lenders usually have flexible requirements. They will do their best to accommodate your circumstances. However, the process could last as little as 30 minutes if you’ve got all the required items in order, so you should definitely get onto that.

You’ll need to:

1. Have a Valid State-Issued ID Document

One requirement no lender will be able to maneuver around is your age. You need to be at least 18 to become eligible for title loans – and able to prove it.

So, you’ll need to provide the lender with a state-issued photo ID (or a driver’s license) proving you’re of legal age.

2. Make Sure Your Car Is in Decent Condition

The value and condition of your car will determine how much cash you get.

With Southwest Title Loans, Inc. that could be up to $15,000. So, make sure your car is in decent condition before taking it to the loan representative for appraisal.

The better your car’s condition – the faster the appraisal process will be finished.

3. Make Sure That the Car Title Is Completely Lien-Free

Another qualifier the lender won’t be able to maneuver around is your car title – it must be in your name, with no outstanding financial obligations around it.

Unfortunately, you won’t be able to use another person’s title, even if you’re the nominal owner of the car and they agree to it.

Young man uses his car to get a title loan

4. Provide Emergency Cash Lenders with Proof of Income

While it’s not even necessary to be employed and have an active source of income to get approved for a title loan (tip: ask your loan representative for details), the process will go far faster if you can just provide the lender with your most recent pay stub as proof that you’re able to cover loan payments with no issues.

What You DON’T Need to Worry About

1. Your Credit History

While the loan representative may check your credit history, it won’t be influencing your eligibility. Anyone can get approved for a title loan, regardless of their credit – not only if it’s bad, but even if it’s outright nonexistent.

2. Your Income Source

Unlike banks, online emergency cash lenders can accept and accommodate any type of income. As long as you’re able to pay the loan off – the loan representative could provide you with a comfortable payoff plan if you're approved.

How to Apply for Title Loans

If you’ve decided to apply for a title loan, you can easily start the process online, without having to pay an extra visit to the store:

    1. Go to the Main Page of Southwest Title Loans, Inc. and submit a filled-out online form;
    2. Answer the loan representative when they call you with further instructions (it will only take minutes);
    3. Take the required items – your ID, your car, the lien-free title to your car in your name – to the appointment the loan representative sets up;
    4. Let the representative appraise everything to determine if you qualify for the loan;
    5. Get approved, complete the easy paperwork, and get the cash you qualified for the same day!

This entire process typically lasts less than an hour and could last as little as 30 minutes!

Apply for Title Loans Today!

Getting approved for a loan by emergency cash lenders is really easy, but it’s even easier with Southwest Title Loans, Inc. So, don’t wait for your urgent problem to get bigger, if this is an emergency. Apply for your auto title loan to get a quick approval and fast same day cash of up to $15,000.

 

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