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.