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4 Reasons Why Short-Term Loans Are a Safe Option for Quick Cash

4 Reasons Why Short-Term Loans Are a Safe Option for Quick Cash

When you are needing to find a lender for your quick cash needs, you may be considering finding a short-term loan near me on Google. No matter what lender you go to, you want to make sure you find a company you trust. One that protects your information and has a transparent process. You want to make sure it is going to a positive experience, both on a personal level and on a financial level, and it won’t negatively affect your finances in the long-run.

When you choose a large bank or credit union near you in Kansas City for a traditional loan or line of credit, you usually made the choice based on trustworthiness. It’s easy to trust large banks that have been in business for hundreds of years. However, there are many parts of the lending process that aren’t completely transparent, such as how much interest you will rack up over the length of your loan or line of credit or how your ability to pay every month can greatly affect your credit score. In the beginning, it all seems great, but it can turn sour when have financial problems down the road. You can’t pay more than the minimum, racking up tons of interest. Or you forget to pay one month and see a major drop in your score.

Even though large banks and credit unions can seem like the best option for a loan, alternatives like title loans are really the hidden gem. They are a short-term loan solution that are more of a blessing than a burden. Here’s why.

4 Ways a Short-Term Title Loan Is a Safe Option for Quick Cash

Easy to pay back

The best benefits about coming to Midwest Title Loans in Kansas City for your loan needs is that our loans are easy to pay back. Our title loans are short-term, so they are based on a 60-day renewable contract. Even if you need more than 60 days to pay it off, a title loan is still going to be a short-term payoff. You’re not going to be paying it off for years to come and paying tons of additional interest. Long-term loans often take even longer, because you don’t add in the additional interest, which can be extremely expensive, especially with a high interest rate. Our short-term loans are meant to be easy to pay back, so that they just cover a gap in your finances. You can get back on your feet and free of the debt from your title loan quickly.

Smaller loan amounts

Since our loans are short-term, we don’t have as large of loan amounts, like with many long-term loans at banks and credit unions in Kansas City. Once we inspect your vehicle and analyze your needs and repayment ability, we’ll write up your title loan for an amount between $150 and $5000. Many lenders try to give you more than you need, but we want you to be able to pay off your title loan in a short time.

They don’t affect your credit like a traditional loan

When you take out a loan or line of credit at a bank in Kansas City, your credit score is on the line from the beginning. First, your credit report will be pulled, and depending on the lender, you may see a slight drop in your credit score, due to the fact that the credit pull was a hard pull. Then you have to make your monthly payments on time, or you will experience credit problems. If you miss more than one payment, you could see significant damage on your credit score. It’s hard to predict if you’ll experience a job loss or another loss of income so far in the future with long-term traditional loans. It is a risky process, and when you rack up lots of interest, you’ll be responsible to pay back even more.

Since title loans are short-term loans, they don’t work the same way with your credit score. You won’t see any significant changes in your credit score. You may see a slight rise, but since you’re not paying it off over the long term, you won’t run into the same issues you would with a traditional loan.

Don’t keep your title

When people hear about title loans, it can be worrisome. A lot of times, our Kansas City customers have questions like: Do you keep my title? Do you keep my car? The answer is no to both. We simply inspect your car to determine its worth, which helps us determine the amount of money we can loan you, and we don’t keep your title. We simply hold it temporarily, while you’re still paying off your loan. Once your short-term loan is paid off, we promptly give you your title back, along with a thanks.

Start Your Short-Term Loan Application at Your Nearby Kansas City Midwest Title Loans Location Today

Get started on your short-term loan with our quick and simple process, which includes filling out our online application and gathering your photo ID, car insurance, and lien-free title. Bring your documents into your nearest Kansas City Midwest Title Loans location and get your funds on the spot.

Whether you live in Independence, North Kansas City, St. Joseph, or Overland Park, we’d love to help you with your short-term loan. If you have a question or want more information, come by, send us a message, or call us today! We look forward to helping you.

Proudly Serving the Kansas City Metro Area

Midwest Title Loans proudly provides short-term loans to the Kansas City metro area, to customers in St. Joseph, Gladstone, North Kansas City, Kansas City, Grandview, Belton, Lee’s Summit, Raytown, Independence, Overland Park, Olathe, Lenexa, Shawnee, and the surrounding areas.

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How a Flex Loan Can Help with Your Home Repairs

How a Flex Loan Can Help with Your Home Repairs

Now that the weather’s nice, you’ve probably been cleaning out and doing some maintenance on your home, and you may have come across a few problems that need to be fixed. You may also be getting ready for the heavy storms that come through Kansas City every year, and there are some necessary repairs to stay secure.

Whether you’re getting your home ready for storm season, by replacing windows or siding, or you are finally putting a repair or two at the top of your to-do list, a loan is a great way to get the bill covered. Especially when you have one or more large repairs, you might need a little additional help from a lender like Midwest Title Loans.

If you have or have had credit problems, it can be difficult obtaining a loan the traditional way. At Midwest Title Loans, all of our Kansas City locations can help customers with bad credit obtain a loan, because we don’t require credit checks as part of our process. In addition to our car title loans, we have flex loans, which are a great option for home repair bills throughout the year. Here’s how a flex loan from Kansas City’s Midwest Title Loans can help you.

How a Flex Loan Helps with Your Kansas City Home’s Repairs

You can use it like a credit line for home repairs over the long-term.

A flex loan from Midwest Title Loans is different than our traditional title loan in that it functions like a credit line. Instead of being solely a short-term loan, you can keep a flex loan open like a line of credit. It is perfect for our Kansas City homeowner customers, since home repairs can happen unexpectedly. Our flex loans are a great safety net, so that you aren’t worried about where the money will come from when an immediate repair needs to get done.

Just like our traditional title loans, you will use your lien-free title as collateral, until it is paid off.

It’s easy to pay back when you have money.

A flex loan gets its name from the fact that it is a loan that is flexible. Just like a line of credit, you will make monthly payments, and you can pay it off when you’re ready. If you need it as a safety net for a year, you can keep it open for a year. If you need it for multiple years, you are able to keep it open multiple years. If you want to pay it off within six months and get your title back, you can do just that. Just like a line of credit, you only pay interest on what you spend.

There are very few requirements.

Flex loans, like our title loans, are helpful for Kansas City homeowners who are experiencing credit struggles, because we don’t have any extensive credit or background checks. We don’t ask for proof of residency either. We only need proof of income, along with your photo ID, car insurance information, your lien-free title, and your car to be inspected for its value.

Since we don’t need to look through your credit history and an extensive amount of documents, you can get your flex loan quickly. A bank or credit union may take weeks to approve your loan or line of credit and get it opened. At Midwest Title Loans, you can get a flex loan on the same day that you apply at any of our locations throughout Kansas City.

Pay for immediate repairs instantly.

When you own a home, you know that a big repair bill can pop up at any time. Maybe the toilet is broken beyond DIY repair or your refrigerator needs to be fixed or replaced. These are things you use everyday that can’t afford to be put off. Maybe you want to renovate your old bathroom or kitchen, and you need just a little extra money to get those jobs started.

With a flex loan from Midwest Title Loans, there will be nothing in the way from you and getting the repairs you need done. You won’t have to hand wash dishes for months or suffer in that nasty bathroom any longer. You can use your flex loan anytime you need.

How to Get a Flex Loan at Midwest Title Loans

The process to get a flex loan at Midwest Title Loans is just like getting a title loan.

  1. Start by filling out our online application.
  2. Get your lien-free title, car insurance, income verification, and photo ID and drive your car over to the Midwest Title Loans location near you.
  3. We will inspect your car to determine the amount that we will loan you.
  4. We will write up your flex loan documents, in exchange for your car’s lien-free title.
  5. Once your flex loan is paid in full, you will promptly get your title back.

Get Your Flex Loan for Your Home Repairs at Any of Our Kansas City Locations Today

Ready to get started on your flex loan, so you can get your home repairs done immediately? Start by filling out our online application or come by any of our Kansas City locations to get a free car inspection. No matter if you live in Overland Park, St. Joe, Kansas City, or somewhere in between, we can help you with your home repairs.

Do you have a question or need more information? Call, stop by, or send a message to get helped by one of our friendly customer service professionals today! We look forward to helping you with your home repair and financial needs.

Proudly Serving the Kansas City Metro Area

Midwest Title Loans proudly provides flex loans to the Kansas City metro area, to customers in St. Joseph, Gladstone, North Kansas City, Kansas City, Grandview, Belton, Lee’s Summit, Raytown, Independence, Overland Park, Olathe, Lenexa, Shawnee, and the surrounding areas.

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When Should I Get a Car Title Loan?

When Should I Get a Car Title Loan?

With the number of options out there for getting a loan when you’re in need of money, it’s hard to tell which one is right for you. There’s the option of going to a bank and getting a loan the traditional way. You could also go to a bank for a credit line, which is also available at a credit union. Or you could get a short-term loan at a car title loan provider like Midwest Title Loans in Kansas City.

There are benefits to each of these routes, and you are probably trying to figure out which route is the best. When’s the best time to get a car title loan? Here’s when you know that getting a car title loan at one of the six Midwest Title Loans locations around Kansas City is the best route for you.

When to Get a Car Title Loan at Midwest Title Loans in Kansas City

You have bills piling up and you need money now.

When you go to a bank or credit union for a loan or line of credit, it’s a long and sometimes frustrating process. Since you have to provide numerous documents and let them dive into your credit score and history, you usually have to wait weeks to get approved. Plus, it takes even longer to get your money. This is not a good route for someone who needs money immediately.

When you have no time to wait on a bank or credit union to go through your information and history, you need a solution like Midwest Title Loans that can get you approved quickly. You’ll get approved and get your money with our quick and simple process. The only requirements we have are: a lien-free title, a driveable vehicle for inspection, proof of insurance, photo ID, and a completed application, which you can find on our website. You can easily get the money you need on the same day that you apply, then you can take care of your pressing financial needs at your convenience.

You’re in need of financial support for a short time.

Are you experiencing a major job loss or loss of income, and you’re in need of financial support for a short period of time? If you need a loan to cover a gap in finances, a car title loan is a perfect solution for you. We are focused on giving short-term loans to help people in financial crises get the bills paid and get back on their feet. Then, once you’re back on your feet, your loan is within reach to be paid off.

With long-term loans, you can have your loan and its interest hanging over your head for years. What seemed like a good solution at the time ended up being a burden in the long-run. We want to help you get in a better place financially – not contribute to your financial worries.

We loan up to $5000 at Midwest Title Loans. Our loans are under 60-day renewable contracts, so if you need more time to get it paid off completely, you have an option to renew with additional interest. Our goal is for you to get it paid off quickly, so that you have to pay the least amount of interest as possible.

You have bad credit, no credit, or less than perfect credit.

In order to get a loan or line of credit through a bank or credit union, your credit score and history needs to be in tip-top shape. They look through all of your credit history and will only approve you for a loan if your credit history shows that you are trustworthy. They want to be paid back, and bank loans are typically paid over a long period of time. The only way you can tell if a person can be trusted with a long-term loan is by what their credit history says.

When you come to Midwest Title Loans in Kansas City (KS & MO), Gladstone, St. Joseph, or Overland Park, your credit won’t be pulled or considered for approval. So even if you have had or are currently experiencing credit issues, it won’t make a difference in your application. You won’t have to worry about seeing a hit on your credit when it is pulled, either.

How to Get a Car Title Loan at Midwest Title Loans

If you are ready to get a car title loan at a Midwest Title Loans location in Kansas City, here’s what you need to do:

  1. Fill out our online application.
  2. Gather your lien-free title, your photo ID, and your car insurance to take with you to the store.
  3. Drive your car to the Midwest Title Loans location nearest you.
  4. We will inspect your car and analyze your needs and repayment abilities, then write up a title loan for you.
  5. After discussing the terms, we’ll temporarily keep your lien-free title and give you your loan check to use however you need.
  6. Once your loan is paid off, you’ll get your title back.

Get the Funds You Need Today at Any of Our Kansas City Locations

It is easier than ever to get a loan with a car title loan at Midwest Title Loans in Kansas City. Whether you live in Kansas City, St. Joe, Overland Park, or somewhere near, one of our locations is ready to help you get back on track financially with a short-term loan. Want to get a free inspection? Come by any of our locations today!

If you have any questions or want to get additional information, we’d love to help. Call us, send us a message, or come by today to talk to our friendly professionals.

Proudly Serving the Kansas City Metro Area

Midwest Title Loans proudly provides car title loans to the Kansas City metro area, to customers in St. Joseph, Gladstone, North Kansas City, Kansas City, Grandview, Belton, Lee’s Summit, Raytown, Independence, Overland Park, Olathe, Lenexa, Shawnee, and the surrounding areas.

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Will a Flex Loan Help with My Bills?

Will a Flex Loan Help with My Bills?

Are your bills getting out of control? Did you have an unexpected expense come out of nowhere with no way to pay for it? Do you need a little extra support to cover your monthly expenses?

Whether you need financial help for the short-term or over a long period, a flex loan from Midwest Title Loans is a great choice for you. What is a flex loan? Like our traditional title loans, our flex loans work by providing a loan, with you title as collateral. In the case of flex loans, the loan acts more like a line of credit – there when you need it.

What are the benefits of a flex loan? There are so many benefits to getting a flex loan with Midwest Title Loans, over traditional lines of credit or loans with major banks and credit unions. Unlike our Kansas City competitors, we don’t have a long approval process, eliminating the wait time that you don’t have to pay off your important expenses. We also don’t have financial requirements you have to meet, such as a specific credit score or income level.

Flex loans are a great way to get quick help with bills, no matter what expenses you need to cover. Here’s what a flex loan can do for you and provide much needed relief for your financial situation.

How a Flex Loan Will Help with Your Bills

Immediate relief of bills

When you have bills that are months past due, a flex loan can help. When you can’t seem to get out from underneath the mess, a flex loan can be your saving grace. During tough financial times, bills go unpaid and can put you in terrible standing. In order to get back in good financial standing, both on your credit report and with your creditors, you need to get your bills paid off immediately. You can’t wait around anymore.

One of the biggest benefits of a flex loan, over many other loans and lines of credit in Kansas City, is that you can get the funds you need on the same day that you need them – even sooner. Our simple process can take as little as 20 minutes, believe it or not. Here’s how it works:

  1. Start by filling out our Online Info Sheet.
  2. Gather the supporting documents needed to get approved for your flex loan, including:
    • Your driver’s license or photo ID
    • Your up-to-date car insurance information
    • Your lien-free title - It has to be fully paid off, under your name, and issued in Kansas or Missouri.
  3. Come to the Midwest Title Loans location nearest you, in your car that your lien-free title is for.
  4. Wait while we inspect your vehicle and determine your loan amount.
  5. Accept your flex loan amount, its terms, and the conditions, in exchange for your lien-free title.
  6. Get your title back, once your flex loan is fully paid off.

Helps with bills of all shapes and sizes

Maybe you have expensive hospital bills, or you are having trouble getting basic needs met. A flex loan can be a life saver in any financial situation. Our customers come to us for flex loans to help with all types of financial needs: housing repairs, school expenses, vacation costs, birthdays, major purchases, and more.

Once we inspect your vehicle at one of our Kansas City locations, we will offer you an amount between $150 and $5000. Depending on how much your car is worth, your flex loan can help you pay for small expenses or your large ones. Whether you need help on a monthly basis or to just get some relief from a tough financial time, a flex loan is a great choice for financial help.

Pay us back over the short-term

The best thing about a flex loan is that it’s flexible. It’s here to serve your needs. Our customers use our flex loans to help get them out of a temporary financial rut and get back on their feet. They use it for a small amount of time, like a few months or half a year and pay it off in full at their convenience. The best part about our flex loans is that you get to determine the amount of time that works for you and your finances.

Keep your flex loan open for future expenses

Some of our customers use our flex loans like a line of credit and use it for a long period of time. They may need help with ongoing bills or use the flex loan as a safety net, if a major financial need sprouts up from out of nowhere. No matter if you want to keep your flex loan open for a year, several years, or longer, Midwest Title Loans can help. We want the flex loan to benefit you, however you need. We are your financial partner for however long you need us, helping you build back your finances and credit.

Start Your Flex Loan Application to Get Your Flex Loan at One of Our Kansas City Locations Today

Getting a flex loan today is as easy as filling out our Online Info Sheet, getting your documents, and driving to a nearby Midwest Title Loans location. Whether you live in Kansas City, Independence, Overland Park, or somewhere else, we can help you get a flex loan at one of our six convenient locations today.

Have a question or want to talk to one of our customer service representatives? Send us a message through our website, call, or come by today! We look forward to serving you and partnering with you for your financial needs.

Proudly Serving the Kansas City Metro Area

Midwest Title Loans proudly provides flex loans to the Kansas City metro area, to customers in St. Joseph, Gladstone, North Kansas City, Kansas City, Grandview, Belton, Lee’s Summit, Raytown, Independence, Overland Park, Olathe, Lenexa, Shawnee, and the surrounding areas.

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Does a Title Loan Affect My Credit?

Does a Title Loan Affect My Credit?

Credit scores are a hot topic in the world now and among lenders who issue your loans. Everybody wants to have a great score, and now, more than ever, people are paying attention to their credit scores.

It’s great that there are so many free ways to keep up with everything that’s going on with your credit, and some banks even provide the service for free, as part of having a credit or checking account with them. These services help you make sure you’re doing everything you can to get the best score possible, since it is used in decision making for major purchases, loans, and lines of credit.

Credit scores are something that stay with you forever, so it’s important to keep track of what exactly is happening. When it goes up or down, you want to know why. And you should. Credit scores are important when you’re buying a house, getting a loan for a car, or getting a line of credit.

Since Kansas City’s Midwest Title Loans is a loan provider, it’s easy to wonder how your credit will play into your title loan. Will you need good credit to get one? Will your score increase or decrease, as a result of applying for or paying off a title loan? What are the benefits of getting a title loan? We’ve got all the answers for you here.

How Your Credit Is Involved in a Title Loan

Your credit and financial history aren’t used as a determining factor in your loan approval.

When you apply for a loan at a bank or credit union, the requirements can be extensive. Many times, you’ll have to show previous pay stubs, give your employment information, and consent for a background/credit check. You may have to give your current housing status and provide any places you’ve lived in the last five years. It is important that you’re financially stable in all ways to banks and credit unions.

At Midwest Title Loans, we understand that your current financial status and credit score may not be in top condition. Many times, our customers come to us in the midst of a gap in their finances or during a financial hardship. Because we want to help you get through your tough financial time, we only have a few requirements for getting a title loan:

  • Your lien-free title - It is one that is completely paid off. It must be in your name and issued in Kansas or Missouri.
  • Your current insurance card
  • Your current driver’s license or ID, showing you are 18 or older

That’s it! We want to make it as easy as possible to obtain the short-term loan you need, when you need it. And by shortening the application process, you can get your loan much faster than with most other lenders.

Your credit won’t be affected during the application process.

Have you ever applied for a loan and seen your credit score take a hit after? Sometimes, when you fill out a loan application that requires a credit check, you will see a soft or hard pull on your credit report.

When there’s a soft pull on your credit, you won’t see a decrease in your credit score. If there’s a hard pull on your credit, your credit will take a small hit. Since Midwest Title Loans doesn’t do either of these pulls on your credit, you don’t need to be worried that your current credit score will drop, as a result of your title loan application. This is just another benefit of getting a title loan with Midwest Title Loans over our competitors in Kansas City.

You may see an increase in your credit, once your loan is paid off.

A title loan is the same, to your credit score, as any other loan. Once your title loan is paid off in full, you may see an increase in your credit score, as a result. It may not be a huge increase, but there is a chance you may receive a small increase.

Since it’s our goal to help you get out of your financial rut, we love that our title loans may affect your credit score in a positive way. We want to be your financial partner anytime you need our help.

How to Get a Title Loan at Midwest Title Loans

One of the major benefits of getting a title loan at Midwest Title Loans is that our process is simple and quick. You can get the funds you need to cover overdue bills, basic expenses, and beyond, the same day that you apply. It can even take as a little as 20 minutes. Here’s how you get a title loan for your short-term funds:

  1. Fill out our online application.
  2. Gather your lien-free title, current driver’s license or photo ID, and insurance card.
  3. Drive the car that your lien-free title is for to the nearest Kansas City Midwest Title Loans location. We have six convenient locations all over Kansas City. Whether you live in Kansas City, Gladstone, St. Joseph, Olathe, or Overland Park, you’ll find a Midwest Title Loans location by you.
  4. We’ll inspect your car to determine your car’s value and the amount we’ll loan you – between $150 and $5000.
  5. We’ll offer you the money and provide your loan’s terms and conditions. Our loans are under a 30-day, renewable contract.
  6. You’ll temporarily give your title to us, as collateral for your loan.
  7. You’re ready to go cash your check and use the money however you’d like.
  8. Once your loan is paid off in full, you’ll receive your title back.

Get Started on Your Title Loan Today at Kansas City’s Midwest Title Loans

Are you ready to get the money you need to cover a gap in your finances? We’re ready to help you get started. If you have any questions, contact the Midwest Title Loans location near you. Whether you call, come by, or contact us through our website, we look forward to helping you with your short-term funds!

Proudly Serving the Kansas City Metro

Midwest Title Loans proudly provides car title loans to the Kansas City metro area, serving the cities of St. Joseph, Gladstone, North Kansas City, Kansas City, Grandview, Belton, Lee’s Summit, Raytown, Independence, Overland Park, Olathe, Lenexa, Shawnee, and the surrounding areas.

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Are There Any Downfalls of Getting a Title Loan Near Me?

Are There Any Downfalls of Getting a Title Loan Near Me?

If you’re searching for a title loan near me, you’re probably wondering if a title loan is the right choice for you. When you need money, there are a lot of options. You can go to a bank and get a loan. You can open a line of credit at a bank or credit union. You can borrow from a friend or relative. The list goes on and on.

If you have a good credit, you’ll probably be able to get a loan or line of credit from a bank or credit union. However, the process can be time-consuming and tedious. You may have to prove your employment by showing your pay stubs, in addition to a number of other requirements.

And if you have low credit, you have a few options, and a title loan is one of them. If you aren’t sure what a title loan is, you may not be comfortable moving forward, until you know exactly how it works. Here are some common concerns that we’re here to clear up, while you’re searching for a title loan near me.

6 Concerns of Getting a Car Title Loan Near Me in Kansas City

Will a title loan affect my credit negatively?

No. Getting a car title loan won’t affect your credit negatively. There are a few reasons that loans, in general, can affect your credit negatively in the long run.

For instance, if a loan application requires a credit check. At some banks and credit unions, your application will require a credit check. In some cases, credit checks can lower your credit score. When you come to Midwest Title Loans for a car title loan near me, we don’t require credit checks, so there is no reason to be concerned about your score being affected by your application.

Also, if you have a loan or line of credit that requires you to make monthly payments, you can take a credit hit if you don’t make them on time. When you miss payments that are reported to the major credit bureaus, you will likely see a drop in your score. A title loan is different, because we only provide short-term loans.

Many times, our customers have low credit. So, we take extreme measures to make sure that our customers’ credit scores are safe, while they get the money they need to take care of their pressing financial needs.

Will I lose my title?

No. You certainly will not. If you haven’t gotten a title loan before, you may be wondering how a title plays into all of this. We only require a lien-free title as temporary collateral, while you pay off your loan. We do not keep it permanently. Once your loan is paid off in full, we are more than happy to give you back your title at the Kansas City Midwest Title Loans location that we helped you at.

Will I lose my car?

No. You will not lose your car. Your car is not a part of the collateral that we need from you, when we issue your title loan. We only temporarily keep your lien-free title. The only thing that we require from your car is that it’s driveable, and we can inspect it. When you come into one of our Midwest Title Loans locations in Kansas City for your short-term funds, we will inspect your car, so that we can determine how much money we can loan you. You car’s value determines the amount that you will receive, between $150 and $5000.

Is there a long-term contract?

No. One of the best benefits of Midwest Title Loans’ car title loans are that we don’t have any long-term contracts. Our contracts are short-term, so that you can quickly pay us back. We want to help you get back on your feet when bills are piling high, and we don’t want to lock you into a long-term agreement with us.

Will I pay a lot of interest?

No. With a title loan at Midwest Title Loans, you will pay much less interest than if you were getting a loan or a line of credit at a local Kansas City bank or credit union. Since title loans typically serve the need of being a small, short-term loan to fill a gap in finances, we want to make it easy on you to pay it back quickly, so you don’t have to pay as much interest. The goal is to help you get your short-term needs covered, and then you can pay us back after your next paycheck or so.

Is it a long process to get a title loan near me?

No. When you choose to get a title loan near me at Kansas City’s Midwest Title Loans, you’ll be impressed by how easy it is to get the funds you need. The process can take as little as 20 minutes.

To get started on a title loan to cover your short-term financial needs, you’ll want to fill out an application on our website. Once you’ve done that, you’ll want to gather a few documents to show us when you come to your nearest Midwest Title Loans location, including:

  • Your lien-free title - The title has to be in your name, issued in Kansas or Missouri, and debt-free (lien-free). You cannot owe any money on it.
  • Your insurance card
  • Your driver’s license or ID - You must be 18 or older.

Once you’ve gathered these documents, drive your car that your title is for to the Midwest Title Loans location nearest to you. We will inspect your car to determine your car’s value, and we will tell you how much we can loan you. Once we’ve agreed on the amount and terms, we will take your lien-free title temporarily, while you use the funds for whatever you need. Once your loan is paid off, you can get your title back at any time.

Start the Short Application Process at the Premier Title Loan Provider in Kansas City

Have any more questions? One of our customer service representatives will be happy to answer any questions about getting a title loan near me at one of our Midwest Title Loans locations. Whether you’re in Independence, Kansas City, Overland Park, or somewhere else nearby, we can help you with your financial needs. Call or contact us through our website to get started today!

Proudly Serving the Kansas City Metro Area

Midwest Title Loans proudly provides car title loans near me in the Kansas City metro area, to customers in St. Joseph, Gladstone, North Kansas City, Kansas City, Grandview, Belton, Lee’s Summit, Raytown, Independence, Overland Park, Olathe, Lenexa, Shawnee, and the surrounding areas.

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6 Ways to Use a Car Title Loan for Spring Home Repairs

6 Ways to Use a Car Title Loan for Spring Home Repairs

Spring is an awakening from the depths of winter in many ways, and it’s a great time to do a deep clean on your house, organize and throw out the unnecessary junk. On top of that, it’s a perfect time to do some home renovation projects, especially if your home is in need of repairs.

The unfortunate part about owning a home is that home repairs can be expensive, especially if you get top-quality help to complete them. When it comes to repairs like window replacements or air conditioning tune-ups, these need to be completed before the summer heat comes, or you’ll risk having extremely high energy bills. Or worse – having your air conditioning out for days in the hot, hot heat, which is everybody’s worst nightmare.

So, if you have pressing home repairs that you want to get done this spring, and you’re worried that you can’t afford them, a car title loan from Kansas City’s Midwest Title Loans is the solution for you. You only need a few requirements to get a car title loan at Midwest Title Loans, and our process is so easy that you can have your money in as little as 20 minutes. No more waiting weeks to get approved for a home improvement loan – come to Midwest Title Loans.

Here are six ways you can use a car title loan for your spring home repairs:

6 Spring Home Repairs You Can Use Your Car Title Loan For

1. Air conditioning tune-up or replacement

When’s the last time you’ve gotten your air conditioner checked? Has it been replaced in the last 15 years? A tune-up is a great use of your car title loan, because your hired contractor will increase the life of your air conditioner. When you get a great tune-up, you should be getting your condenser coils cleaned, your coolant levels evaluated, your thermostat calibrated, your ducts checked, your electrical connections checked, and your blower belt and motor inspected and tuned. When these don’t get tuned up regularly, malfunctions can happen.

If your air conditioner is 10 or 15 years old, you may need a replacement, and Midwest Title Loans’ car title loan can help you pay for it, since it can be costly. It will be worth it in the long run, and you won’t have to replace your air conditioner for another 10 or 15 years, as long as you get regular tune-ups. It’s much better than being miserable in the depths of summer with no air conditioner.

2. Window replacements

Window replacements are a great use of your car title loan, and a necessary spring home repair for old or worn down windows. Are you windows drafty? Do you have trouble opening and closing them? Have they been replaced more than 20 years ago? If any of these are true, consider using your car title loan for window replacements on your home. Whether it’s one or all of them, you will save a lot of money on your energy bill this spring and summer and for years to come, because you did so. Window replacements are not only a great short-term investment, they will also help improve the equity of your home, if and when you decide to resell.

3. Clean & repair gutters

When’s the last time you had your gutters repaired and cleaned? Was it last summer, or later? If you haven’t gotten your gutters cleaned/repaired since last summer or later, you are due this spring. Getting your gutters cleaned isn’t too costly – around $150, and it is a great investment to save you money in the long-run.

You can experience costly water damage from going without a good cleaning. Water will build up around your foundation, looking like a pool, and can easily leak into your foundation. Foundation repairs are expensive, so get your gutters cleaned and repaired with your car title loan money from Midwest Title Loans in Kansas City.

4. Roof inspection

Spring is filled with rain storms, so it’s a great idea to get your roof inspected to prepare. Your inspectors may find broken shingles, which need to be replaced. And it’s not a job that will cost you too much – a couple hundred dollars, including repairs, unless you need a full-on roof replacement. In either case, our car title loan will help pick up the slack of the money you need to spend on your roof to prepare for the storms ahead.

5. Storm preparation

It’s always great to be prepared for the worst, and that includes storms this spring. Kansas City storms can bring all types of disastrous conditions, like hail, strong winds/rain and tornadoes, so it’s a great idea to take extra storm preparation measures this spring with the help of your car title loan.

A couple good ideas for upgrades/repairs for storm preparation include adding storm shutters to your windows, investing in a generator in case of a blackout, reinforcing a garage, and just in case Kansas City sees extreme weather conditions, building a storm shelter would be a great option. All of these are worth the peace of mind you will experience when the extreme storms hit.

6. Deck cleaning & repairs

Spring and summer are grilling seasons, so if you’ve got a deck, you’re going to be spending a lot of time outside on your deck hanging out with friends and family. It’s a good idea to give it a good cleaning and tune-up, and replace any loose boards. You want to check for hazards of any kind, including concrete patio or walkway cracks that can easily be tripped on.

How to Get a Car Title Loan for Your Spring Home Repairs Today

At Midwest Title Loans, we’re proud to make it super simple to get your car title loan for your spring home repairs. We don’t have any extensive requirements – no long list of documents and no background checks. In addition, it doesn’t take forever to get approved and get your money, like many Kansas City banks and credit unions. To get a car title loan, here’s what you need to do:

  1. Fill out our simple application
  2. Gather the required documents:
    • Your lien-free title - It needs to be in your name, issued from Kansas or Missouri, and completely paid off.
    • Your valid photo ID or driver’s license - You must be 18 or older.
    • Your car insurance
  3. Drive your car and your documents to your nearest Midwest Title Loans location. We will inspect your vehicle to determine how much we can loan you – between $150 & $5000.
  4. Accept our offer and terms, in exchange for your title, temporarily.
  5. Pay off your loan (typically within 60 days) and get your title back.

Ready to get your car title loan now? Fill out our application today or bring your vehicle to your nearby location for a free evaluation!

Come to Midwest Title Loans for Your Spring Home Repairs Title Loan

Get your house prepped for Kansas City’s spring and summer with the help of our car title loans. Get the money you need quickly and easily today! Get in touch with our friendly professionals at the location near you to get started or contact us through our website now!

Proudly Serving the Kansas City Metro Area

Midwest Title Loans proudly provides car title loans to the Kansas City metro area, including the cities of St. Joseph, Gladstone, North Kansas City, Kansas City, Grandview, Belton, Lee’s Summit, Raytown, Independence, Overland Park, Olathe, Lenexa, Shawnee, and the surrounding areas.

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5 Benefits of Getting a Flex Loan at Kansas City’s Midwest Title Loans

5 Benefits of Getting a Flex Loan at Kansas City's Midwest Title Loans

Have you had unexpected financial expenses come up, and you’re feeling in over your head? Maybe it’s medical bills to cover expensive treatment(s) or school expenses like tuition and books. Or perhaps you’ve experienced a major job loss and are having trouble making ends meet. You don’t need to suffer any longer through this tough financial time.

A loan is a great way to get your short-term financial needs covered. There are many types of loans that you can get, like personal loans, home improvement loans, student loans, cash advance loans, title loans, and flex loans. You could also open up a credit card or a line of credit.

The problem is, for most of these avenues of getting the loan or line of credit to cover your expenses, the process is time-consuming, complicated and frustrating. You have tons of paperwork to fill out – both before and after you actually get the money you need, and banks and credit unions usually take forever to get approved. On top of that, you may not even get approved, if you’ve had past credit trouble.

One of the best choices to get a loan quickly in Kansas City is through Midwest Title Loans’ flex loan option. Our flex loans work just like our regular title loans, and they are even more flexible. Here’s why you should use Midwest Title Loans’ flex loans to get your financial needs covered, over other options in Kansas City.

5 Benefits of Midwest Title Loans’ Flex Loans

1. Flex loans are just like traditional title loans, but more flexible over the long-term.

Just like Midwest Title Loans’ regular title loans, our flex loans are easy-to-use and quick to get. The main difference is that our flex loans are more like a line of credit, and you only pay interest on what you spend. You also pay less interest if you pay it back quicker. The flexible part of the flex loans name simply implies that you can use this flexible line of credit for whatever expenses you need, and at any time you need.

Once you get approved for your flex loan, you’ll get a spending limit, which is determined in the same way that our title loan lending amounts are – by how much your car is worth. By providing a few documents and letting us inspect your car, you’ll know how much you can get with our flex loan, and you can get it on the same day as you fill out our short application.

2. Unlike Kansas City banks and credit unions, we can get you your money instantly.

The problem with going to banks and credit unions for loans or lines of credit is that they are very in-depth with their requirements, making for a lengthy approval process. All Midwest Title Loans locations around Kansas City are proud to be a quick and easy solution to help you get the money you need when it’s most convenient for you.

Once you fill out our application, you only need to bring your car in and a few documents to our Kansas City location nearest you. The documents you need include:

  • A valid photo ID or driver’s license, showing that you are 18 years of age or older
  • A lien-free title, which is a title that doesn’t have a loan attached to it – it is paid off completely.
  • Insurance information

It’s really that simple. Just a few requirements, and you’ll be on your way with the flex loan you need in no time.

3. Your immediate financial needs will be met.

Are your bills piling up or getting out of hand? Whether it’s the basic needs – such as expensive housing costs, unexpected medical bills due to illness in the family or something else, our flex loan at Midwest Title Loans has you covered. Our Kansas City customers love the fact that they can get their money immediately, to cover expenses like:

  • Medical bills
  • Dental bills
  • Housing improvements and repairs
  • Car repairs
  • Student expenses, such as books or tuition
  • Vacation
  • Holidays

It’s never fun to have to deal with collectors or pay additional fees, because your bills are late. You won’t have to have any problem with that with Midwest Title Loans’ help.

4. You can have a rocky credit history.

Have you had past credit bumps and bruises? Maybe you’ve had trouble making previous payments on time, or perhaps you’ve even gone through a bankruptcy. Maybe you just don’t have any credit. No worries. At Kansas City’s Midwest Title Loans, we don’t rely on your credit score to determine whether or not we will lend you money with our flex loans.

In fact, we don’t do any credit or background checks in our loan application process. This is great, because not only does it qualify customers with less-than-perfect credit to get one of our flex loans, but it also doesn’t affect your credit score like a credit pull can do. We truly care about helping our customers get the money they need, regardless of their credit or financial history.

5. The process to get your flex loan is simple.

The process to get your flex loan can take as little as 20 minutes, believe it or not. Start by filling out our online application, and then bring your car and the required documents into your nearby Kansas City Midwest Title Loans. Our friendly team of professionals will inspect your vehicle to determine the value and worth, and we will decide how much money we will provide in your flex loan. The amount will be between $150 and $5000.

Once we’ve agreed on the amount, you’ll just need to agree to the loan’s terms and conditions, and provide your title for us to hold temporarily. We will give this back to you as soon as you are done using your flex loan, and it is repaid.

Get your flex loan now – fill out our application online or bring your vehicle by today for a free evaluation!

Get Your Financial Needs Met with Kansas City’s Top Flex Loan Provider

If you’re ready to get your money immediately and get your expenses covered, in exchange for your title, come to Kansas City’s Midwest Title Loans any time for a free evaluation. With our quick process, we’ll have you on your way in no time.

Have questions? Chat with one of our friendly professionals today at your nearest Kansas City location or fill out our contact form on our website now!

Proudly Serving the Kansas City Metro

Midwest Title Loans proudly provides flex loans to the Kansas City metro area, including the cities of St. Joseph, Gladstone, North Kansas City, Kansas City, Grandview, Belton, Lee’s Summit, Raytown, Independence, Overland Park, Olathe, Lenexa, Shawnee, and the surrounding areas.

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Why Come to One of Our 6 Kansas City Locations for Car Title Loan Services Near You

Why Come to One of Our 6 Kansas City Locations for Car Title Loan Services Near You

Are you searching for car title loan services near me? Perhaps you’ve heard of car title loans before, or even have gotten a title loan previously. Maybe you’ve never even heard of car title loans, and you’re curious if it would benefit you and if you qualify.

Well, you’ve come to the right place. Many people searching for car title loans near me find that Kansas City’s Midwest Title Loans is a great choice for their loan or short-term cash needs.

There are many reasons our Kansas City customers choose getting a loan at one of our six Kansas City locations. Whether it’s bills that are out of hand, a loss of a job, or meeting basic needs for the family, our car title loans are a great choice for many Kansas Citians. Our customers love car title loans over traditional loans and lines of credit, for many reasons.

Why Get a Car Title Loan Me at One of Our 6 Kansas City Area Locations

1. Our car title loan service can take as little as 20 minutes.

Yes, seriously. From the moment you fill out your application on our website to driving off with the loan you need in hand, we can get you taken care of in as little as 20 minutes. That’s a big difference from traditional banks and credit unions, who usually take weeks to simply get you approved. It’s hard waiting for approval and not being sure – you might even have to go to more than one place to get approved, which takes even longer. We understand you don’t have that kind of time.

We don’t have any extensive requirements. Just a few basic requirements, including:

  • You own a drivable vehicle - It has to be in working condition, even if it is crashed.
  • You own a lien-free title, which is one that has no debt on it (you own it completely). It can be from Kansas or Missouri.
  • You have a photo ID or driver’s license showing you are 18 or older
  • You have car insurance
  • You need to fill out our online application

2. We help people with little or no credit get loans.

Most times when you are looking for and applying for a loan or line of credit near me, you’ll need to prove that you’re stable financially, with things like pay stubs and credit and background checks. Our car title loan service requires none of these things. We do not do any credit checks, so if you’ve had any past financial problems that prevent you from getting traditional loans or lines of credit in Kansas City, Midwest Title Loans is the perfect solution for you. Even if you haven’t had a chance to build up your credit, you can run into trouble getting loans. It’s not a problem at Midwest Title Loans.

In addition, credit pulls can slightly damage your credit score, which is never a good thing. We are here to help you get your finances back on track, so of course, we’re not interested in doing any hard credit pulls to prove your worth. If you meet the previous requirements, you’re golden.

3. You can take care of your financial needs immediately.

Do you have bills piling up? Many of our Kansas City customers find us when looking for car title loans near me, because they are in over their head with bills. And it’s easy to do in the expensive world we live in. The financial needs that our customers use our title loans to cover are far and wide, including things like:

  • Dental and medical expenses
  • Holidays
  • School expenses - tuition and books
  • Home and car repairs
  • Vacations
  • And more!

Whatever your immediate financial needs are, you can get them covered right away with a car title loan at your nearest Midwest Title Loans. Our customers love the feeling of finally being on top of pressing medical expenses, car or home repairs, and beyond. We are glad we can help you through your tough financial time.

4. Our process makes getting your money extremely simple and easy.

Want a virtually painless process to get the funds you need? Come to Midwest Title Loans, because you will be shocked by how easy it is to get your needs covered with our car title loans. Get approved and get the money, when you:

  1. Fill out our online loan application
  2. Bring your vehicle and your required documents to one of our six Kansas City locations near you
  3. Let us inspect your vehicle to determine the worth and the amount we can offer you – it will be between $150 and $5000
  4. Accept our offer, along with the terms and conditions
  5. Let us hold your lien-free car title, until you pay back your loan
  6. Drive off with the money you need
  7. Repay your loan (typically in 60 days) and get your title back, along with a thanks

Our customers love how simple it is to work with Midwest Title Loans for car title loans near me. We are truly a one-of-a-kind service that helps you cover your short-term financial needs in a convenient, quick and easy way.

5. We have six Kansas City locations to make it convenient for you

We want to make it convenient for you to get the money you need when you need it, so we have six Midwest Title Loans locations across Kansas City. Whether you are searching for car title loans near me and are location in Overland Park, Kansas City or somewhere in between, we will have a Midwest Title Loans location in you area. Our six locations include:

North Oak Trafficway
Gladstone, MO

(816) 436-7711

Blue Ridge Blvd
Kansas City, MO

(816) 763-1000

W 85th Street
Kansas City, MO

(816) 363-8600

S Belt Hwy
St. Joseph, MO

(816) 232-9100

Metcalf Ave
Overland Park, KS

(913) 381-2222

State Ave
Kansas City, KS

(913) 281-9997

Call your nearest location at any time to discuss your needs, application or to answer any questions.

Ready to get started? Start by filling out an online application or feel free to bring in your car for a free inspection today!

Get a Car Title Loan Today at One of Our Kansas City Locations

We can’t wait to help you get the money you need as soon as you need it. Let us help you today by giving you a free inspection or call us to answer any questions you have about car title loans near me. Also, feel free to contact us through our website now! We look forward to hearing from you.

Proudly Serving the Kansas City Metro Area

Midwest Title Loans proudly provides car title loans near me in the Kansas City metro area, to customers in St. Joseph, Gladstone, North Kansas City, Kansas City, Grandview, Belton, Lee’s Summit, Raytown, independence, Overland Park, Olathe, Lenexa, Shawnee, and the surrounding areas.

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Flex Loans Give Simple, Quick Cash to Kansas City Customers

Flex Loans Give Simple, Quick Cash to Kansas City Customers

When you are in need of a small amount of money to cover unexpected expenses or excess bills that you need relief from, you may not even think about anything other than a traditional line of credit or personal loan as an option. There’s no need to jump through hoops at one of the local Kansas City banks or credit unions to get the money you need. Especially if you have less-than-perfect credit, there are better options for you.

Midwest Title Loan’s flex loans are a great solution to meet financial needs for the short-term, or even on an as-need basis. Just like our traditional title loans, they are quick and easy-to-use. The difference is that it’s a line of credit, similar to a credit card, where you only pay interest on what you use, and the quicker you pay it back, the less interest you pay. And you can use it at any time for whatever expenses you may need.

Our flex loans are truly a solution that work for you. From the minimum requirements to get started to the many benefits of having it available when you need it, check out why you should get a flex loan at one of our Kansas City Midwest Title Loans locations.

Why Get a Flex Loan with Kansas City’s Midwest Title Loans

1. It’s a quick way to get money for bills

Just like our title loans, Midwest Title Loans’ flex loans are here to you out of a financial rut, as quick as possible. We know that bills can pile up quickly, leaving you with an urgent need for money, so we can get you the money you need on the same day you apply. This may sound out of the ordinary, because many Kansas City lenders make the process complicated and time consuming, but it’s true that we can get you your money on the same day that you apply for your flex loan. Once you apply online, you just need to come into one of our six convenient Kansas City locations to complete the process.

From start to finish, it can take as little as 20 minutes. The quicker you fill out our short application, bring in your car and a few documents to your nearest Kansas City Midwest Title Loans location, we will have you on your way with the flex loan that’s perfect for your needs.

2. You don’t have to meet a laundry list of requirements.

Most times when you’re applying for a loan or line of credit, you find that you need a long list of supporting documents, which take time to gather and time for the lender to review – which you don’t have. We know your bills are urgent. At all of our Kansas City Midwest Title Loans locations, we have just a few simple requirements to meet to get your flex loan:

  • You need to fill out our application, just like our title loans
  • You must present a valid photo ID or driver’s license at your nearest Midwest Title Loans location
  • You must have a lien-free title in your name - If you’re unfamiliar with the term, a lien-free title is one that shows that your car has been paid off. We accept titles from either Kansas or Missouri that are yours.
  • Your vehicle must be drivable - Your vehicle can be damaged, but you must be able to drive it to our store.
  • You must have insurance - Bring your car insurance card with you to get your flex loan.
  • You must be 18 years of age or older

3. You can pay for a wide range of financial needs.

Whether it’s your medical bills that are causing your financial strain or just making ends meet, a flex loan can get you what you need to get your needs taken care of financially. Our customers across Kansas City use their flex loans for:

  • Dental or medical expenses
  • Christmas or birthday presents
  • Home or car improvements
  • School expenses
  • Taking a family vacation
  • Basic needs

It doesn’t matter what you need help with – our flex loans can help you take care of your expenses immediately.

4. We make it quick and easy from start to finish.

Midwest Title Loans of Kansas City stands out because we have such a simple process for our customers. We can get you your flex loan as quick as you need it. All you need to do is:

  • Complete our flex loan application
  • Drive your vehicle to one of our locations - Our six convenient locations are there to serve customers throughout the KC metro area – from St. Joseph to North Kansas City, Overland Park and everywhere in between.
  • Bring your required documents into your Midwest Title Loans location - As mentioned before, you’ll need your photo ID, insurance information, and lien-free title.
  • Let our professionals do a short inspection your vehicle, determining the loan amount based on the car’s value. Your approval amount will be between $150 and $5000.
  • Agree to your flex loan’s terms and the amount, in exchange for your title as collateral.
  • Repay your loan (unless you decide you want to keep your line of credit open) and get your title back at your nearest Kansas City location.

5. Flex loans are flexible.

Flex loans are great because, just like any line of credit, you only pay interest on the amount you use, even if you are approved for more money. And as you pay your spend off, you will increase the amount you are allowed to borrow when you need to go back to your flex line of credit at a later time.

You can use your flex loan at any time, if you leave your account in "Open Status" after your loan is paid in full. So then every time you need money, you can call or come to our store, without filling out any additional paperwork, and we’ll have your money waiting for you.

Get your flex loan now! Complete our Online Info Sheet or bring your vehicle by today to get it evaluated for free!

Work with the Kansas City Area’s Premier Flex Loan Company

Ready to get a flexible line of credit, in exchange for your title with a flex loan? Talk with a friendly Kansas City area professional today at one of of our many convenient locations or get in touch with us through our website now!

North Oak Trafficway
Gladstone, MO

(816) 436-7711

Blue Ridge Blvd
Kansas City, MO

(816) 763-1000

W 85th Street
Kansas City, MO

(816) 363-8600

S Belt Hwy
St. Joseph, MO

(816) 232-9100

Metcalf Ave
Overland Park, KS

(913) 381-2222

State Ave
Kansas City, KS

(913) 281-9997

Proudly serving the Kansas City metro area

Midwest Title Loans proudly provides title loan services in the Kansas City metro area, including the cities of St. Joseph, Gladstone, North Kansas City, Kansas City, Grandview, Belton, Lee’s Summit, Raytown, independence, Overland Park, Olathe, Lenexa, Shawnee, and the surrounding areas.

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OUR LOCATIONS

330 W. 85th Street
Kansas City, MO 64114
Phone: (816) 363-8600

6420 North Oak Trfwy
Gladstone, MO 64118
Phone: (816) 436-7711

603 S. Belt Hwy
St. Joseph, MO 64507
Phone: (816) 232-9100

8212 Metcalf Ave.
Overland Park, KS 66204
Phone: (913) 381-2222

2500 State Ave.
Kansas City, KS 66102
Phone: (913) 281-9997