Budget Blogger

I recently reconnected with a college friend through Facebook.  I’m not a big advocate of the site, and have visited my profile twice in the past year.  But reminiscing with this particular friend was a very welcome blast from the past, especially when she mentioned our midnight stalking of an ex.  We thought he wouldn’t recognize us in my friend’s car because we were wearing paper bags over our heads and had holes cut out for our eyes.  Too much beer, I guess.

After we hung up, I started thinking about how this friend used both payday loans and title loans during our “getting started” years.  She lives out west and used Montana Title Loans when she wanted to move into her own apartment but couldn’t come up with the security deposit.

Once the title loan was paid off, there were several times she used Montana Payday Loans to hold her over from paycheck to paycheck during her first year of employment.  She could always come up with the money to repay the payday loan, but her job only distributed paychecks once each month.     

This friend is probably the best example I know of someone using payday and title loans the right way.  She wasn’t buying designer purses or splurging on things she couldn’t afford.  She was just a young girl trying to make it on her own at a job that barely paid minimum wage. 

If you live out west, getting a title or payday loan in Idaho, Montana, Nevada, or South Dakota has never been easier.  Click on the links or call them on the phone and you are just minutes away from cash in your hand.

When I read that auto dealers are using remote locaters to disable vehicles when owners miss payments, it made me feel old — very old.  Back in the 80s, when I worked in a bank collections department, we used skip tracers  to find delinquent loan customers and hopefully our cars.  A skip tracing position was the coveted job in our department.  Today they’d probably be out of a job. 

There’s a lot of debate going back and forth about the Big Brother aspect of these devices, but what seems to be the same no matter what decade you’re talking about is that if you borrow money you should pay it back.

Whether you use Title Loans of New Mexico, John Smith Auto Dealers, or the Bank of Mom and Dad a loan is just that -someone giving you money with the expectation that at some point they’ll get their money back. 

Carolina Title Loans is in the business to make money. You’ll pay finance charges based on the length and amount of your pink slip loan.  Mom and Dad might not charge interest, but they’ll have the leverage to expect you to at least try to get a job, get out of bed before noon, and follow their rules until the money is repaid.

Title loans and payday loans give consumers options and choices where there doesn’t seem to be any.  Even dealers installing tracking devices can make sense if it gives someone the chance to drive a car when the dealer won’t take a chance on them any other way.  What’s important no matter where you find emergency cash is that you have a plan to repay the money. 

My nine-year-old has been waiting for the release of the new Nintendo DSi since he placed his $25 deposit with Gamestop last month.  Last night, an hour before the store closed, he picked up the DS.  We waited until the last minute because I refused to give him any cash or use my credit card to help him make the purchase.

He called the store and discovered they were offering $30 and $20 bonuses on trade-ins of old DS models.  He scrounged around the house for loose change and gathered up every single game he could find to trade in.  I let him sweat it out. It wasn’t easy finding all the old games, chargers, and other exchangeable electronic equipment scattered around the house – like finding a needle in a haystack.

While his DS was being rung up, I thought this must be how loan customers feel when signing documents or applying for credit – confused.  Once the clerk started talking about half rebates, discount cards, and protection plans; he lost me.  Luckily my son had enough trade-ins and cash to buy the DS, but my brain felt like it had just been tossed around in a salad spinner. 

When I looked at the receipt and the company’s promotional advertisements to sort through our transaction, things just got worse.  I put the receipt away and sat back to watch my son enjoy his new DS.  I promised myself I’d check the receipt once I had some peace and quiet in the house.

Few title loan companies or payday loan companies can match the great service you’ll get at any of these locations Alabama Title Loans, Arizona Title Loans ,California Title Loans ,Delaware Title Loans , Georgia Title Loans, Idaho Title Loans ,Illinios Title Loans , Louisiana Title Loans , Montana Title Loans ,Missouri Title Loans , Nevada Title Loans ,New Mexico Title Loans ,South Carolina Title Loans ,South Dakota Title Loans, Tennessee Title Loans , Texas Title Loans ,Utah Title Loans ,Virginia Title Loans ,Wisconson Title Loans . 

Payments, repayment schedules, fees and yes – even the dreaded annual percentage rate — are clearly spelled out for your review. 

Even if most proponents of pink slip and payday advance loans disagree with the regulations that make it mandatory for calculating the apr based on a a yearly loan, the rate is right there, and customer service reps are happy to explain how it’s calculated.  Maybe Gamestop needs a little tweak to their promotional programs.

Some days life seems to get so crazy that I have no problem paying more money for something if it just makes my life easier, or the transaction can be completed hassle-free.

It’s not easy trying to figure out the best cell phone plan or cable/Internet contract when you have two boys arguing in the background and interrupting every two seconds with “I just have to ask you one thing.”  Same thing goes with title loans and payday loans.  When you find a good company, you want to stick with them. 

These states offer online services that connect you directly to the institution lending you money.  Idaho Title Loans ,Illinios Title Loans , Louisiana Title Loans , Montana Title Loans ,Missouri Title Loans , Nevada Title Loans ,New Mexico Title Loans ,South Carolina Title Loans ,South Dakota Title Loans
Tennessee Title Loans , Texas Title Loans ,Utah Title Loans ,Virginia Title Loans ,Wisconson Title Loans. 

There’s no middle man or loan broker, so when you call with a question or concern, the person you talk to doesn’t need to call the real lender to find out the answer.   They are the lender and already have the answers.

Today, when I finally made the time to sit down and look at my cell phone bill, I realized that a different plan could save me more than $100 each month.  It just took one phone call.  Then, feeling inspired, I decided to tackle my cable bill.  Same results.  I decreased my cable bill by almost $75 each month. 

If you use one of the lenders I listed above, you can be sure that you’ll receive the best pricing and services right from the start — even with screaming kids in the background.

Payday lenders and title loan lenders always seem to be dodging the next media or consumer advocacy group bullet when it comes to fees and their lending guidelines.

They’ve taken the heat for just about anything you can think of: fees — too high; missed payments — too quick to try to recover their money or too aggressive collecting their money.  If it’s bad press, they’ve been hit with it.    

But now credit card companies and banks are feeling the heat.  They’re raising fees, lowering credit limits, tacking on extra charges all over the place.  The only problem is a lot of the changes are being buried in the fine print on your credit card statement.  

Basically they’re doing the same thing alternative lenders have been doing all along — charging more for higher risk customer transactions and lowering their exposure for default.

Isn’t that what companies like Alabama Title Loans, Arizona Title Loans ,California Title Loans ,Delaware Title Loans , Georgia Title Loans are doing already?  And they’re not hiding their fees or collection practices in fine print.  They’re laying the facts out for their customers to see. 

Fast money, bad credit, no credit — it will cost you more but a title lender lets you know that right up front.  Same thing with missed payments.  Will they try to work with you?  Sure — but the fact is, when you hand over a set of keys to your car you’re saying yes I plan to repay this money and the car backs up that promise. 

If you’re not in one of these states, don’t worry.  Just click the link below, then enter your zip code to find a bordering state you can travel to.  Find a title lender.

If you’ve decided, any of these sites is a great place to start.  They make the lending process simple, quick and affordable for title loans or car title loans.  They want to make the lending process smooth and hassle free for everyone.

Just remember when you bring your car in for an inspection and want to receive your cash, you need to have proof of a clear car title, driver’s license or state-issued I.D. card, and proof of income.  For the most part, that’s usually all it takes.

If you live in a state that doesn’t allow title loans, there’s no need to sneak past border patrol for quick cash.

Texas is the closest state allowing title loans near Oklahoma and Arkansas.  Before you put the pedal to the metal and embark on a title loan road trip, take a few minutes to look at the Title Loans of Texas Web site.  
 Imagine making a 60 mile trip only to discover you don’t qualify or forgot to bring a required document. 

Just  visit Title Loans of Texas to get their lending requirements and complete a preliminary application.  You’ll be on your way to fast cash in no time.

Vacuum

I never thought I’d need a title loan or a payday loan; then along came Chewy – a canine vacuum cleaner/chewing machine. 

He eats and chews anything in his path.  Yesterday while I was working he chewed through the wire on my vacuum cleaner – a home appliance that was working perfectly and I had no plans to replace, until now. 

Apparently he chewed and ate a few other household items which have yet to be identified.  The x-rays weren’t clear enough to tell what’s lodged in his intestines.  

Seeing my kid’s faces when I brought home the new puppy: priceless.

The cost to buy a new vacuum cleaner and Chihuahua surgery: Only Sears and Title Loans of Georgia have the answer.

I didn’t discover my husband’s relationship with Sallie Mae until I saw him writing a check to her – after we got married.

Sallie Mae funded student loans my husband used to pay for “college.” I’m using quotes because he actually bought a boat with “some” – more quotes- of  the money.  How he paid for tuition is another story.

Sallie Mae was great at providing nontraditional loans to people who couldn’t afford college any other way – not so great at explaining the details of their loans and repayment terms.  “I just didn’t realize how expensive the loan was when I signed,” said my husband during a ”will we ever pay off this student loan?” discussion. ”The print was so small I couldn’t read it; I just signed.”

So when you read about a company like Title Loans of Indiana or Title Loans of Tennessee tricking people into loans – I say it’s just not true.  Title loan and payday loan companies clearly disclose costs and repayment terms in the contracts that every borrower signs. 

We all know when we borrow money it’s not a gift.  Title loan, payday loan, student loan, boat loan — eventually each one needs to be repaid, and “I just didn’t know” isn’t good enough anymore.  Just ask Freddie.

If you’re worried you’re the only person in your group of friends considering using an online title loan service, you can find comfort knowing that 38 percent of Internet loan customers reported an average income of $30,000 or more. 

One of those customers could be someone you know.  With the economy the way it is today, fewer of our friends and relatives are eager to talk about their persoanl finances.  While you might discuss mortgage rates during lunch, your coworker is probably less likely to start a discussion about a company like Alabama Title Loans or Arizona Title Loans. 

While more and more people are turning to the Internet to use the equity in their autos for cash, there’s still only a few who talk about payday and title loans.  So if you went to a site like Califoria Title Loans or Colorado Title Loans,  speak up.  You’re friends might be more interested than you think.