seeking emergency car title loans

All About Emergency Car Title Loans

If you’re in a financial pinch, you may have heard about emergency car title loans in Tennessee. What, exactly, are these loans? Could they be helpful for your situation? By the end of this short article, you’ll have your answer. If you’re searching for a way to address your urgent expenses, keep reading to discover how emergency title loans work and how you can get the process started today.

How To Get Emergency Car Title Loans In Tennessee

How Do Emergency Car Titles Work?

Title loans are short-term loans that use your paid-off, lien-free vehicle title as collateral. After inspection and completing the process, you continue to keep your car during the loan as you use your funds to cover your urgent costs.

At Tennessee Title Loans, Inc., our car title loans are designed to help meet both small and significant specific financial emergencies. Your financial needs and the state of your car determine the loan amount.

You can complete the title loan process completely from home. It all starts by completing our online inquiry form. From there, you can schedule a time to meet with our representative to inspect the vehicle and review the documents. You can choose to meet at your home or office, enabling you to complete the process from home if desired.

Once approved, you’ll receive your emergency cash that day or the next business day, and you’ll be free to use the funds to handle your urgent needs.

How Much Emergency Money Can I Get?

Tennessee Title Loans, Inc. offers title loans from $300 to $2,500. The loan amount is greatly influenced by your car’s condition. Newer cars with lower mileage that are noticeably cared for promote larger loan amounts. Certain makes and models also call for higher loan values.

In addition to your car, we’ll consider your financial needs. If you need a small title loan to cover a limited cost, such as an overdue utility bill, there is no need to take out a larger loan--especially if it may prove difficult to pay back. On the other hand, if you need more money to fix your home after a storm, pay for surgery, or cover another significant cost, we’ll consider that as well.

person putting money into piggy bank for emergency car title loans

Who Qualifies For Title Loans In TN?

At Tennessee Title Loans, Inc., we look at our borrowers as a whole and not just as a credit score. We do not require fair or good credit, as our loans are available to individuals with bad credit or no credit at all. Our emergency car title loans have four requirements to qualify:

  • Driver’s License or State Issued I.D.
  • Lien-Free Title to Your Vehicle
  • Your Vehicle for Inspection
  • Proof of Income

Your I.D. should be from the state and updated to reflect your legal name and residence. If you’ve undergone any name changes, be sure to update all your documents so that your I.D., car registration, and car title all match.

Some of our borrowers own their cars and share them with family members. However, the car you utilize for your loan should be titled to you and you alone. You’ll need it in your possession for a quick inspection during the process, but afterward, you can use it as normal.

Perhaps most importantly, be sure your car’s title is lien-free. This means your car can’t be repossessed by another lender and has no legal judgments or claims against it.

What Does The Emergency Car Title Loans Process Look Like?

Getting a title loan in Tennessee is much easier than pursuing a traditional bank loan. We’ve streamlined the process to help you determine if you're eligible for the loan and receive your emergency funds as quickly as possible. Here's how our quick and easy title loan process works:

  1. Fill out our online form with your basic details. This will be forwarded to our office closest to your neighborhood. With over 20 Tennessee Title Loans, Inc. locations state-wide, we’re sure to have a location near you.
  2. A loan representative from that office will then give you a call after the online form is submitted. They’ll answer your questions, walk you through the process, and arrange a time to meet with you.
  3. The in-person meeting can take place at your home, our office, or another location of your choice. It's quick, easy, and can take as little as 30 minutes.
  4. Bring your I.D., car, lien-free title, and proof of income to the meeting so that the representative can review them and determine your potential loan amount.
  5. If eligible, you'll receive your emergency money that day or the following business day.

couple excited to get title loan online from Tennessse Title Loans

Get An Emergency Car Title Loan Today!

You need cash to cover urgent bills, but you’re out of savings, and payday is weeks away. Tennessee Title Loans, Inc. can help you tackle an urgent financial need through our emergency car title loans. Fill out our brief online form and take a step towards getting the urgent money you need to face life's challenges.

Note: The content provided in this article is only for informational purposes, and you should contact your financial advisor about your specific financial situation.

Emma Frost

Emma Frost is a lifestyle and finance blogger with a talent for communication and a passion for financial literacy. She uses her writing talents to explore topics that help her readers gain financial stability and growth.