Getting a title loan can help you out of a tough spot when the situation calls for it, but most people don’t know how they can improve their chances of getting approved or what they need to bring to the appointment. Here’s all you need to get East Ridge title loans.

We will spell out the prerequisites for you to be able to get East Ridge title loans, along with some basic facts to give you a greater understanding of the title loan process. The rest of this article will give you everything you need to know about applying for a title loan and what you’ll need to bring to the appointment.

What Do I Need For Title Loans In East Ridge, TN?

You will need to provide a driver’s license or valid form of state-issued ID to confirm your identity, as well as the title to your car. You will also need to have a car and own it outright, with no liens or judgments against it. So, if you still have payments to make on your car, make sure to handle those before getting a title loan.

First Off, What Is A Title Loan?

Before talking about what you need to apply for a title loan, it’s good to understand what’s involved in an East Ridge title loan. In short, a title loan is a type of secured loan that uses the title of your car as collateral for the duration of the loan.

These loan amounts can range greatly and depend on the value of your car. Because the loan is secured, lenders are often more likely to take bad credit and offer longer repayment periods for title loans in East Ridge, TN.

What Items Do I Need For A Title Loan?

It’s important to build a relationship of trust between yourself and the lender, which is why you’ll need to verify your identity, the condition of your car, and the title of your car to get title loans in East Ridge, TN.

Doing so ensures that the lender’s investment in you is worthwhile, which is why these three are the core pieces of information that any East Ridge title loan lender will ask for, although some lenders have additional requirements.

A Valid ID

The first thing you’ll need to sign up for a title loan is your driver’s license, which, of course, you should have given that you’re using the title of your car for the loan.

Other forms of valid state-issued ID are also acceptable if you prefer not to use your driver’s license, and in most cases, you’ll need to be a resident of the state you’re applying for a loan in.

Good Car Standing

To be approved, your car must have no current liens or judgments against it. If you have any, deal with them before applying for a title loan.

Lenders will most likely be unwilling to work with you if there are judgments against the value of your vehicle. It’s ok if your car isn’t in the best shape, just as long as it belongs to you and has no liens on it.

Your Car Title

When you meet up with the representative to finalize the details, you’ll need to hand over your car title for the duration of the loan. Don’t worry! You’ll get it back once the loan has been fully repaid, and you can still drive it if you get East Ridge title loans.

Additional Requirements

Although it might not disqualify you from getting title loans in East Ridge, TN, good credit definitely helps secure your approval with many lenders.

In addition, some lenders may require you to provide proof of income to be eligible for title loans in East Ridge, TN, although you’ll more often see this kind of verification with payday loans or personal loans.

How Tennessee Title Loans, Inc. Can Help

If you’re interested in a title loan, Tennessee Title Loans, Inc. has great options ranging up to $2,500. To apply, you’ll need the following:

• A valid ID
• The lien-free title to your vehicle
• A quick inspection of your vehicle
• Proof of income

Once you’ve applied, you’ll meet with a representative to inspect your vehicle and finalize the paperwork. If you’re approved for the loan, you can get your money the same day or the following business day. Of course, you always get to keep your vehicle while you are repaying the loan and can apply even with bad credit.

Just make sure to stick to the repayment schedule and ask the representative if you have any questions.

Get Started With Tennessee Title Loans, Inc. Today!

When you’re hit with sudden costs, it can leave you reeling. If you’re struggling with a major medical emergency, important travel needs, or just meeting your monthly utility bill, then title loans in East Ridge TN are an option for you.

These expenses can still be with you for a long time and make your life a headache, which is where East Ridge title loans with Tennessee Title Loans, Inc. can help you get the cash you need today!

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