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How Do I Get a Loan with Bad Credit? We Show You the Secret

January 21, 2021 | Peyton Sawyer

Scared for your financial future? Don't know how you're going to pay for emergency home repairs or medical bills? Wondering how to get a loan with bad credit? Then fret no more! We have just the bad credit loans for you.

How Do I Get a Loan with Bad Credit? Bad Credit Loans!

What Are Bad Credit Loans?

If your credit report results are less than average or you have almost no credit history, bad credit loans are designed with you in mind. They are an excellent tool to use when you're trying to get back on your feet and rectify any past financial wrongdoings.

Get Started Here

To begin the process of getting a loan with bad credit, you need to figure out how much you can afford to repay every month. The thing to remember here is that this needs to be a comfortable amount. It shouldn't take up all of your spare cash!

Once you have this all sorted, it's time to compare the various loans out there. We're going to discuss a couple of suggestions in the final section. After that, you should apply for loans that you are likely to be approved for. There's no point throwing your all into an application for a loan that requires a great credit score if this is something you don't have.

Mostly, you will be able to check your eligibility before you kickstart the process. This will save you a bunch of time. Oh, and these tools are free to use!

Right, now that you know the basics of applying for bad credit loans, you need to learn more about the specific types. Let's tackle that now.

Two Types of Bad Credit Loans

We're going to look at both registration and title loans here, starting with registration loans.

Registration Loans

If you do not fully own your car yet — either you're paying it off or you're a named driver — a registration loan can help you get out of a sticky situation. They are similar to title loans (we'll talk about those below), but are geared towards non-full car owners.

Instead of using the title of your vehicle, you will put the registration against the loan instead. Super handy if you ask us!

Title Loans

For those of you who do own your car, you're in the right place. A title loan can be just the type of bad credit loan that is good for you.

The Advantages of Online Title Loans

  • You can borrow up to a staggering $15,000 with car title loans. This is bound to be enough to pay for unexpected car repairs, home maintenance, or medical bills.
  • You get to keep your car while you are paying off the loan (contrary to what some people might lead you to believe)!
  • There are only three requirements to gain approval. We don't believe in endless, confusing bits of paperwork and documentation.
  • You can start the process at home. We want to make it as easy as possible for you to get the money you need when you need it most.
  • Your credit score won't be taken into account. You shouldn't be penalized for your past financial mistakes. Because of this, we don't even conduct credit checks!

How to Get Your Hands on a Title Loan

We have streamlined the process to ensure we can approve you as soon as possible. Take a look below:

Step 1. Online

The first port of call is to go online to SouthwestTitleLoans.com. Clicking the link is the easiest option here.

Alternatively, you can pick up the phone straight away for an even quicker application process.

Step 2. Form

Then, you will need to fill out the form. This should only take around 5 minutes as we ask for basic information.

Step 3. Call

After that, your phone will buzz almost immediately. This will be one of our loan experts talking you through the rest of the process. They will also send all your information to your local Southwest Title Loans storefront so the representatives can start processing everything immediately.

Step 4. Meet

After the call, you need to meet one of the loan reps at your nearest Southwest Title Loans store. You need to bring your driver's license (or another form of photo ID issued by the state), your lien-free title to your vehicle, and your vehicle.

Step 5. Inspection

When you get to the closest Southwest Title Loans location, one of the loan specialists will conduct a quick vehicle inspection. They will also take a look at your documents and confirm the following:

  • Your first and last name
  • Employment
  • Desired loan amount
  • Your address
  • Your vehicle details

If the loan representative approves you, it's onto the final stage.

Stage 6. Money

That's it! You will receive your money on the same day as you apply. It couldn't be simpler!

To sum it up, if bad credit has you down during a financial emergency, stop feeling defeated, you have options for how to get a loan with bad credit. Our bad credit title loans are available now!

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