What to Know Before Applying for Clarksville Title Loans

May 28, 2021 | June Mckaig

getting clarksville title loans

If you’re having some money-related problems, getting Clarksville title loans to fix them allows you to find a solution to these problems quickly and with ease, making them an option worth looking into.

Before you do, however, let’s make sure you have an actual need for a title loan in Clarksville, TN.

When Should I Apply for A Title Loan?

To put it very simply – title loans are an emergency solution. If you need cash on short notice to handle a problem that would escalate and become either unfixable or cost more down the line if not handled as soon as possible, then getting a title loan could save you cash in the long run.

Good examples of such a situation would be unexpected medical expenses (your health should always be above all else!), auto and house repairs, overdue rent and utilities, etc.

On the other hand, if your problem doesn’t need to be handled immediately (say your car is having problems, but you can let it sit in the garage and use public transport for commute), it’s always better to put in the time and effort to get cash together without resorting to debt.

How to Qualify for Clarksville Title Loans?

What makes title loans a good emergency solution is that they’re accessible, easy, and fast. To qualify for a Loan with Tennessee Title Loans, Inc. you just need to prove that you’re over 18 and outright own your car (it can’t be financed, nor have any other financial obligations against it).

Here’s all you’ll need to provide Tennessee Title Loans, Inc. with to qualify:

  • A state-issued photo ID to verify your identity and age (if you don’t have an ID, you can use a driver’s license).
  • Your car – the car’s value will determine the maximum loan amount you qualify for so it will need to be inspected.
  • The car title – it must be lien-free with no outstanding financial obligations against it and in your name – you won’t be able to use the title with another person’s name on it even with their permission. Have the title transferred to your name at the DMV before applying if that’s the case.

easy application process

Can I Get Clarksville Title Loans If I Have Bad Credit or No Credit?

Yes, you can. All credit types are welcome to apply for a title loan at Tennessee Title Loans, Inc.

If the required items are in order, you’re likely to be eligible for Clarksville title loans even if your credit is outright nonexistent.

Will Clarksville Title Loans Affect My Credit History?

No. For the loan information to influence your credit history, it must be reported to credit agencies. Tennessee Title Loans, Inc. doesn’t report its loan information to any credit agencies, so getting Tennessee title loans online or in-store won’t influence your credit in any way.

Can I Get Clarksville Title Loans If I’m Unemployed?

Yes, you can. Employment isn’t a mandatory requirement for Clarksville title loans.

Multiple other income sources have been successfully used to qualify for title loans at Tennessee Title Loans, Inc. by previous borrowers. Among them are unemployment benefits, compensations, pensions, savings, etc.

Tip: talk to your loan representative about your options if you’re unemployed.

Will I Need to Give Up My Car If I Apply for Clarksville Title Loans?

No, it’s the title that will act as collateral, not the car itself.

The title will stay with the lender for the duration of the loan. The car, on the other hand, will stay with you and you’re free to drive it around. 

keep your car with clarksville title loans

How to Get Clarksville Title Loans?

First things first, get all the required items – your state-issued photo ID or driver’s license, your car, the car’s lien-free title in your name – in order and ready to go.

Once you have the required items, getting the title loan should be simple.

You’ll need to fill out and submit an online form for title loans on the Tennessee Title Loans, Inc. website. When the form gets processed, a loan representative from the nearest store location will give you a call to check the information and provide you with further instructions.

You will need to take the required items to the meeting the loan representative schedules for you. At the meeting, they’ll inspect the car and take a look at your documents to determine if you qualify for the loan and what the maximum loan amount should be.

If they approve you for the loan, you’ll finish the paperwork right on the spot and can get the cash the very same day. This entire procedure could take as little as 30 minutes and typically doesn’t take over an hour.

Getting A Title Loan Is Real Easy

If you’re dealing with an unexpected money emergency, know that Tennessee Title Loans, Inc. is here to help. Apply for Clarksville title loans right now and you can get the cash you need as soon as TODAY.