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. 

I just spent the last hour on the phone trying to cancel a recurring charge to my credit card.  After talking to six – yes six- different people the best I could do was receive a one month credit and the “promise” to cancel my membership.  All this because I thought I was using the government’s free annual credit report service.  

The credit reporting club was bad enough, but when I called my credit card company it was even worse.  I thought using a credit card provided an easy way to reverse unauthorized charges.  I thought wrong.  I haven’t disputed a charge in more than 20 years, but lately I’ve been paying closer attention to my statements instead of skimming over the $10 or $20 charges.  By the time I hung up the phone I was exhausted from trying to understand their complicated dispute process.  Turns out most of the work; letter writing, phone calls, arguing with service reps, is up to me. 

When you use a quality title loan company listed below, this won’t happen to you.  Working with a company dedicated to providing quality customer service is worth its weight in gold.  Really.  Once you choose one of these fast-cash title loan companies, you know you’ll receive the best service in the industry. 

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

Con artists are everywhere and they’re looking for their next victim.  Posing as government workers, theives are contacting consumers by phone and e-mail saying they have money for you — they just need your bank account information.

Don’t fall for their tactics. The U.S. economic stimulus package doesn’t include financial assitance to individuals, and even if it did, government employees wouldn’t be soliciting your personal and bank information by phone or email.

The title loan and payday loan companies I’ve mentioned on this blog all have secure sites established to protect your personal information and privacy.   They’re different then most alternative lenders who obtain your loan request information then sell your loan application to the company willing to pay the largest finders fee.  

When you choose a company like Title Loans of Arizona or Title loans of California you are dealing directly with the lender.  There’s no middle man, so less chance that your personal information can fall into the hands of a less-than-reputable lender.

To find a title loan or payday loan company close to your home click here for immediate help.

These days just the sight of our mailman makes me cringe.  Don’t get me wrong –He’s a great guy, but sometimes the news in the mailbox isn’t as appealing. 

There are months when I know I’ve overspent on my credit or mailed a check before payday, hoping my paycheck would hit the bank before the check did. 

Just like everyone else I’ve been trying to figure out a ”Plan B” for financial emergencies, but it hasn’t been easy.  10 years ago you could walk into just about any bank and walk out with a check in hand.  Same thing if you walked in to ask for an extension on your loan payment.  Lenders were more than happy to increase credit limits and grant interest only loan extensions to help customers going through a rough patch. 

It’s different today.  Filling out a loan application feels more like a dog begging for scraps at the dinner table than an adult applying for credit.  One place where your credit application will be given serious consideration without feeling like begging for a handout is Title Loans of New Mexico.

  They have a great Internet site to help you get started, and a quick phone call or email is all it takes to get the ball rolling.  

No questions about your credit history — just fast cash in exchange for the pink slip to your car.   

If you’ve read a news story about title loans or payday loans, you might have wondered how customers got into situations where their small title loan turned into a big and very expensive transaction. 

A lot of the confusion has to do with how payments are applied.  Just as an example, let’s use Title Loans of Georgia.  If you took out a title loan for $1,500,  Your interest rate would be 25%.   Your first three monthly payments of approximately $380 are applied towards your interest charges.  After that you begin paying down the amount you borrowed and the interest rate is cut in half.  You can take as long as you want to repay the loan, but you are required to make your minimum monthly payments.   

Is it an expensive loan and do the charges add up?  Absolutely – you’re paying for the convenience of a quick turn around time and the fact that any blemishes on your credit history aren’t held against you when your application is being processed.  That’s not something that’s easy to find these days when banks are routinely cutting credit limits and making their lending guidelines so stringent only customers with stellar credit seem to get approved.

So, yes you’ll pay more than you would at a traditional bank. But there is a way to decrease the total amount of interest you end up paying – make more than your minimum payment for the first three payments.  By doing this you’re paying down the amount of money you actually borrowed from the Georgia title loan company instead of just the finance charges.  You’ll have a smaller balance remaining after you make your initial payments.  How much money you pay in interest after that is up to you.  Just like with a credit card — making minimum payments each month will be more expensive than if you can pay the minimum plus an extra amount to decrease the amount you borrowed.  

Things don’t always turn out the way you plan, and sometimes life throws you a curve ball leaving your finances in shambles.  When you’re in the middle of a financial crisis, title loan companies may be your only option.  Once the dust has settled you may even find that title loans turn out to be a less expensive alternative to late charges, and overdraft fees.  Either way it’s nice to know there’s a place to turn for help.

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. 

It used to be leasing a car was a great idea if the car was considered a business expense, and for many individuals, that’s still true.  But just like home equity loans became a method to finance lifestyles some of us couldn’t afford, automobile leases became a way for consumers to drive more expensive cars then they could really afford. 

If you’re one of the many individuals driving around in a great leased car (or two), with payments that almost equal the amount of your mortgage payment and a car that is worth a lot less than you owe the bank, you’re not alone. 

Can you get a title loan on a leased vehicle?  No.  The reason you can’t use Title Loans of Texas or any of the other automobile loan products availalbe today, is because at the end of the lease, the bank owns the car.  To get quick cash from an auto pawn loan, you need to own your car.

If you do own your own car and need fast cash, here’s a state-by-state list of links to help you find a quick and easy title loan:

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

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.