New Loans  623.266.9163
Payments  623.266.9163
Make a Payment

Times When You Should Consider A Car Title Loan

March 4, 2021 | Peyton Sawyer

when to get car title loan

If your paycheck isn’t enough to cover all your expenses – especially if those expenses were unanticipated and you had no opportunity to budget for them beforehand – you might be thinking about applying for a car title loan.

But taking out debt is always a big choice, so you might be wondering if it’s really necessary.

5 Examples When Getting A Car Title Loan Is Smart

1. A Medical Emergency

There’s nothing more important than your health. Yet, in America, people often ignore health problems or even skip scheduled doctor’s visits because of high healthcare costs.

Here’s the ugly truth: not only will health problems not go away on their own, but they will worsen over time, and force you to pay more money fixing them.

It’s better to acquire a car title loan and deal with them immediately, than waiting to the point of no return.

2. Car Troubles

Ignoring car problems is such a common thing in America that it has become a sitcom trope. Yet the sitcoms often ignore the other side of the “blinking light” – getting your car to a mechanic immediately will likely cost you far less than when your car stops functioning altogether. Not to mention you could very likely push it to the point where the problem is unfixable.

And then you have to get a new car, which will definitely cost more than going to a mechanic right away would.

Yes, it’s worth getting a car title loan for this one.

3. Vet Bills

Your pet’s health is the same as yours – it’s worth more than money. And just like your health bills might pile higher the longer you ignore your problem, the higher the vet bills will pile up if you ignore your pet’s.

The easiest way of avoiding serious troubles is to have regularly scheduled vet appointments and not skip them – yes, even when it seems like a vet is an extravagance you can’t afford.

Remember, you decided to take responsibility for another life when you got a pet. It’s like having a kid – one that will never grow up and will always depend on you. So, you’ve got to step it up.

4. Home Repairs

Another one of those problems that will only cost you more the longer you ignore them is… basically anything that might happen to your house.

Your kitchen sink seems to be clogging – dealing with that ASAP is smarter than waiting for it to stop passing water outright.

Your door locks seem to be getting stuck – better call locksmith now, then get locked out at 3 in the morning.

The worse the damage is, the faster you need to deal with it – because time is working against you on all fronts.

getting cash with a car title loan in arizona

5. Overdue Mandatory Expenses

This is the hardest one, but alas – if you can’t pay for your rent, utilities, or other mandatory expenses because your paycheck is either late or has shrunk due to unforeseen circumstances (like having to take unpaid sick leave), then getting a title loan to take care of them is an optimal option.

Car Title Loan for Fast Emergency Cash

To put it succinctly, you should apply for a car title loan, when you’re not just pressed for cash – you need it on short notice.

Acquiring debt shouldn’t be viewed as an easy solution, but rather as a choice the pros of which outweigh the cons in a bad situation.

If you have an option of getting the cash together from other avenues fast enough to deal with your problems on time, then applying for a car title loan shouldn’t be your first choice. But when time is of the essence because the problem at hand would exacerbate and potentially become more expensive to deal with if left unchecked – then getting a loan, dealing with it immediately, and paying the loan off later could be the most optimal solution.

What Makes a Car Title Loan An Optimal Solution In An Emergency?

First of all – title loans are accessible for most people. As long as you’re over 18, own a car, and have that car’s title in your name, you’re eligible for approval, even if your credit score is bad (or nonexistent), as Southwest Title Loans won’t rely on your credit history for approval.

Additionally, the loan representative you’ll be working with will accommodate any and all types of income and do their best to set you up with a comfortable payoff schedule.

How Do I Apply For A Car Title Loan Online?

The application process is simple and you can easily start it online – just go to the website and fill out the application form. Your information will be sent to your preferred location digitally, and you’ll be able to come in and process your loan whenever you like.

You’ll need to bring your government-issued ID, your car title (remember it must be in your name and completely lien-free), and the car itself, so that the loan representative can assess everything and determine if you qualify for the loan.

If approved, you complete the easy paperwork and get the money the same day. This entire process takes on average 30 to 40 minutes.

Don’t wait until it’s too late to consider a car title loan from Southwest Title Loans. There is no reason to struggle when you don’t have to!

Arizona Title Loan Association Logo Go-Daddy Logo

Southwest Title Loans Facebook Page Southwest Title Loans Twitter Page Southwest Title Loans YouTube Page

Avondale Store
1485 N Dysart Rd, Ste 101
Avondale, AZ 85323

Mesa Store
1025 S Power Rd, Ste 108
Mesa, AZ 85206

Glendale Store
9284 W Northern Ave, Ste 104
Glendale, AZ 85305

Tempe Store
937 E Broadway Rd, Ste 3
Tempe, AZ 85282

San Tan Valley/Queen Creek Store
530 E Hunt Hwy, Ste 105
San Tan Valley, AZ 85143

North Phoenix/Scottsdale Store
3510 E Bell Rd, Ste 1 & 1A
Phoenix, AZ 85032