How Can I
get Money
with Bad Credit?
Looking for money loans with bad credit? It’s possible to borrow money with bad credit, if you know where to look. When you need money fast, bad credit is a factor for some options but not for others. Let’s look at some of the possibilities that might help you in this situation.
Skip the Bank Loans: If You Need Money Now, Bad Credit Can Be a Problem
Many loans require you to have a certain level of credit. Everyone has financial challenges now and then, and the good credit score required by banks and other traditional lenders can make it very difficult for those with bad credit get a loan. TitleMax® does run credit checks on all new applicants, but that may not disqualify you for a personal loan or title-secured loan/pawn.
When you need money unexpectedly, it’s a good idea to look for loans that offer flexibility for people with bad credit. Just look to TitleMax for lots of great options.
How to Get Money with Bad Credit: Take Your Loan Needs to TitleMax
In the loan world, there are two kinds of loans: secured and unsecured. A secured loan is one in which you “put something up” as collateral for the loan.
An auto title-secured loan, like the kind provided by TitleMax, is a secured loan. You put up your lien-free auto title as collateral for the loan. Because of the value of the title, you can typically get the money you need quickly. Plus, you can borrow money with bad credit.
To apply for a secured auto title loan/pawn with TitleMax, you need a steady source of income with which you can repay your loan. A credit check will be run but poor credit or limited credit may not disqualify your loan application; you can, typically, still get a title-secured loan or pawn as long as you meet some very basic requirements.
TitleMax is convenient because we allow you to maintain the use of your vehicle for the life of your loan. We understand that obtaining a car title-secured loan/pawn could be useless if you weren’t able to use your vehicle to get from place to place while you earn the money you need.
Apply for a loan fast through TitleMax
When you need money, bad credit can be a problem. Don’t fret: Use a trusted and reliable source to get money quickly. When you decide to work with TitleMax, you maintain your freedom and independence while getting cash fast, often in as little as 30 minutes!
TitleMax does not enforce any restrictions on how you spend your money. You will not face any loan eligibility restrictions based on your financial plans. We are here to help.
To find out more about money loans with bad credit, call or visit TitleMax now.
Learn More About Money and Loans from TitleMax and Around the Web
- Discover the TitleMax Loan Process and How it Works via Step-by-Step Instructions
- Find a TitleMax Location Near You to Get Face-to-Face Assistance With Your Loan
- Get an Idea of How Much Your Car Is Worth from Kelley Blue Book
TitleMax services, products, and funded amounts vary and are not available in all stores or states.
1Title-Secured Loans, Secured LOCs and Title Pawns:Must present valid government issued ID and be at least 18 years of age (19 in Alabama). Account approval requires satisfaction of all eligibility requirements, including a credit inquiry, a military “covered borrower” check, a motor vehicle appraisal and a title review. Certain other eligibility requirements and terms & conditions apply. Line of Credit (“LOC”) customers are subject to a periodic collateral review to maintain credit limit. Ability to repay analysis is required in Missouri, Nevada, some Texas locations, and Utah (with income documentation in NV and TX). Certain TX product require proof of insurance. Funded amounts may vary by state, store, product or based on the results of an ability to repay analysis (where applicable). Maximum funded amount in Mississippi is $2,500. Maximum funded amount in Tennessee is $6,500, assuming customer qualifies for and accepts both the pledge max of $2,500 and Secured LOC max of $4,000. Motorcycle max (where applicable) up to $2,500 in AZ and for TN pledge; $3,000 in other markets. Refinancing is not available in Nevada, or for Mississippi or Tennessee Pledge products. Minimum funded amount in South Carolina is $601.
2Personal Unsecured Loans/LOCs:Unsecured loan amounts and products not available in all stores/states. First time maximum for new personal loan customers varies by state; first time max is $600 in MS; $800 in SC; $1000 in other markets. Higher amounts may be available for return borrowers.In-Store:In-person application not available in the state of Idaho at this time. Account approval requires satisfaction of all eligibility requirements, including a credit inquiry. Bring in active bank account details (dated within the last 60 days), and a valid government-issued ID to apply. If your bank account statement does not show recurring income deposits, you will need to also bring in proof of income, like a paystub, from within the last 60 days. In NV, proof of gross monthly income is required in addition to a bank statement. In AZ, a valid AZ motor vehicle registration in your name is also required. Min funded amount is $601 in SC. For new personal/unsecured loan customers without SSN or ITIN, max loan is $350 ($601 in SC).Online: If you do not have an SSN or ITIN, please visit us in store to apply. Additional items required for eligibility, including: a valid and active email address and telephone number, and a valid SSN. You must also reside in a state in which we do business (currently AZ, DE, ID, KS, MO, MS, SC, TX, UT or WI). Min funded amount is $610 in SC. Certain other terms and conditions may apply.
–Funds distributed via ACH to the borrower’s debit card, Dash® Prepaid Card or MoneyGram® (when/where available). The Prepaid Technologies Mastercard Prepaid Card is issued by Pathward, N.A., Member FDIC pursuant to a license by Mastercard International Incorporated. The card may be used everywhere Debit Mastercard is accepted.
– California, Illinois, New Mexico and Virginia Residents: TitleMax® no longer originates new loans in CA, IL, NM or VA, but continues to service existing loans.
– In Georgia, TitleMax offers Title Pawns.
– In Idaho, TitleMax only offers an online personal line of credit. In-person loans/applications are not available at this time.
– Missouri Consumers: please seeMissouri Schedule of Loan Fees and Charges.
– New Mexico Consumers: please see important New Mexico Consumer Information and Disclosures.
–South Carolina Residents: Please see South Carolina Consumer Information and Disclosures.
– In Nevada, title loans and high interest loans should be used for short-term financial needs only and not as a long-term financial solution. Customers with credit difficulties should seek credit counseling before entering into any title loan or high interest loan transaction. Ability to repay analysis with income documentation required. Proof of gross monthly income required for a personal loan. A Nevada state-wide database check is required as a condition to getting a title loan or high interest loan in Nevada.
– In Tennessee, TitleMax offers title pledges and secured Lines of Credit (“LOC”). Only one LOC account allowed per customer, inclusive of other lenders. LOC customers are subject to a periodic income (and collateral, if applicable) review/validation.
– TitleMax of Texas, Inc. and TitleMax Online of Texas, Inc., d/b/a TitleMax act as Credit Services Organizations to assist customers in obtaining a loan through an unaffiliated third-party lender. Please see store associate for details. Please see Texas Schedule of All Fees. TitleMax does not offer pawn loans or pawn transactions in Texas.
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– TitleMax®, TitleBucks®, and InstaLoan®, are not considered competitors. Please see a store associate for details.
