December 1, 2017
With winter weather officially upon us here in Kansas City, many of us are hunkering down to wait out the cold. Still, we don't want to go too stir crazy, so most of us have winter hobbies or projects to keep us busy until the weather warms up again, such as dinner parties, movies, shopping, or going to the gym. For home repair enthusiasts and DIYers in the Kansas City area, winter means the transition from outdoor home improvement projects to indoor repairs, which also means that it's a good time to consider short-term loans for minor house repairs.
While bigger projects such as new roofs or kitchen remodels tend to happen during the warm summer months, minor home repairs and home-improvement projects are just as much a part of home ownership as the big-ticket items. From the simplest things such as getting the furnace and fireplace inspected, cleaned, and checked out at the start of the season to replacing a water heater, upgrading indoor plumbing, or changing out the insulation in your attic, there's always lots to do around the house.
What are some of the most popular indoor home-improvement projects that people tend to work on during the winter? Some people take the cold winter months as an opportunity to upgrade to a new furnace or HVAC system—or at least a new programmable learning thermostat—while others repair those squeaky floorboards, paint interior walls, refinish cabinets, upgrade appliances, and even remodel bathrooms. Since it's the off-season for many contractors, you can often find great deals on home improvement and repair services during the winter months, including air-conditioner tune-ups, window replacement, roof repairs, and gutter cleaning. (That last one's not a bad idea after all the fallen leaves, either.)
Some home repairs cost more than others, but the average cost of a home repair in the Kansas City area is around $2,500. Some of these projects are more voluntary, so you can schedule them for when you have the time and money, while others become more pressing, especially as the outside temperature drops. So if you find yourself in need of some extra cash, short-term loans for minor house repairs and improvements during the winter months may be just the ticket.
No matter what you need to fix around the house, short-term loans for minor house repairs can put the cash you need in your pocket, and all you need to get started is a lien-free vehicle and a photo ID. The process is quick and easy and doesn't require a credit check. You can drive off in your own vehicle with a cash loan ranging from $150 to $5,000 that you can use to make needed repairs or finance improvements around your house this winter.
So if you're looking for short-term loans for minor house repairs in Kansas City, Blue Springs, Olathe, or anywhere else in the metro area, contact Midwest Title Loans in Kansas City today or get started now by filling out our Online Title Loan Information Sheet!Read more
November 30, 2017
There are many expenses over which we have at least some control. We can pick how often we eat out or go to the movies, we can usually decide when to buy that new motorcycle or iPhone, we can choose when we take a vacation, and we may even be able to put off things like home or auto repairs. But some expenses come around at about the same time every year like clockwork: taxes, back-to-school supplies, and, of course, holiday expenses.gte
According to a study performed by the American Research Group, the average American spent just over $900 on gifts for friends and loved ones during the 2016 holiday season. And gifts are only one of the many expenses that come with the holidays. Whatever you celebrate during this season, there are gatherings to go to, food and drink to purchase, and often also travel costs to visit family and friends. All those expenses add up, and while some of us begin our holiday shopping earlier in the year, very few of us are entirely prepared for the expenses that come with the holiday season, which may mean getting a little creative with our financing or even getting extra cash for the holidays with title loans.
After all, just one trip over the river and through the woods to Grandmother's house can set you back quite a bit. Consumer spending and personal finance experts predict that travel during the holiday season, even for just a few days, costs most people a few hundred dollars in transportation expenses, not to mention the price of food (another $150 or so for car snacks or meals on the road), entertainment, and lodging if you're not planning on bunking at Grandma's house. If you're making the rounds and visiting more than one side of the family, the costs can go up even higher.
Of course, all of these expenses are absolutely worth it. The holidays can be an unforgettable time to spend with friends and family and a wonderful experience that children of all ages will never forget. But what do we do when holiday expenses become too much for the household budget?
Getting extra cash for the holidays with title loans in Kansas City, Gladstone, Overland Park, or St. Joseph doesn't require a holiday miracle or a credit check. All you need is a vehicle with a lien-free title and a photo ID, and you can drive off in your own car with a title loan from $150 to $5,000 to cover all of your holiday expenses. Plus, because there's no credit check or other hoops to jump through, you can get the cash you need in as few as 20 minutes, so that you can get back to your holiday shopping without delay!
All you have to do to get started is contact Midwest Title Loans in Kansas City today or fill out our Online Title Loan Information Sheet to make your visit to one of our convenient locations in Kansas City, Gladstone, Overland Park, or St. Joseph even quicker!Read more
November 30, 2017
When it rains it pours here in Kansas City, and we're not just talking about the weather! It seems like when the bills come due, they always come due all at once or at the least convenient times. Say you have a major medical expense, back-to-school shopping, holiday shopping, an unexpected appliance repair, or a mechanical breakdown on your car. You can bet that when unexpected expenses crop up, other bills won't be far behind. That's just how it goes, but fortunately car title loans can help you keep your head above water when all the bills come due at once.
The end of summer vacation means that the bills are probably coming in from that family road trip or back-to-school shopping. And if you embarked on a summer home improvement project, chances are you ran into a few additional expenses that you may not have been expecting when you initially budgeted for the job. Those bills may be coming due now, too, just in time for holiday shopping and travel expenses to start piling up.
Colder weather generally means higher utility bills in St. Joseph, Overland Park, or anyplace else in the Kansas City area. And it's never too early to start thinking about tax season, especially given that many people pay quarterly taxes around this time of year. And naturally, if you're paying out of pocket for any of those things, that's usually the time when an unexpected medical bill, pet expense, travel cost, auto repair, or other unforeseen cost is going to crop up.
Most of us don't have a lot of wiggle room built into our family budget. In fact, according to the U.S. Bureau of Labor Statistics, the average annual household budget is around $63,000. Most of that goes toward costs associated with housing and transportation, with the rest being split up among food, clothes, and all the other expenses that we accumulate in our daily lives. You can see how an occasional unexpected bill could take a big bite out of that budget, especially if it's something like a hospital bill, a broken appliance, or a major automobile repair. That's where car title loans come in.
Car title loans in Kansas City, St. Joseph, or Overland Park can be a lifesaver when all the bills come due at once. That's because car title loans are quick and easy to get, and they don't require a credit check or a lot of other paperwork. All you need is a car with a lien-free title and a photo ID, and you can drive your own car back out of the parking lot with the cash you need in fewer than 20 minutes. Car title loans from Midwest Title Loans in Kansas City range from $150 to $5,000, making them perfect for when all those bills come due at once.
Need quick cash today? Contact Midwest Title Loans in Kansas City, fill out our Online Title Loan Information Sheet, or visit any of our convenient locations in Kansas City, Overland Park, Gladstone, or St. Joseph!Read more
November 30, 2017
You may have already heard that car title loans are a great way to get quick cash when you need it in Kansas City, Independence, Shawnee, or someplace else. What you may not know is exactly how car title loans work or what you need to get one. Fortunately, the answers are simple enough.
Whether you get a car title loan in Kansas City or another city, the general outline is the same. You use the value of your vehicle as collateral, which means that there are no credit checks or other hoops to jump through. All you need is a car with a lien-free title and a photo ID to get a loan ranging from $150 to $5,000, depending on the value of your vehicle. But what if your car still has a lien? Unfortunately, the "lien-free" part is an essential component of getting a car title loan. In other words, title loans with liens on the vehicle are extremely uncommon.
What is a lien? The short answer is that it's any claim that someone else has over your car. If you bought your car from a dealer or financed it through a bank and you're still making payments on your original purchase, then there is a lien on your car. If you refinanced your car in order to borrow some additional cash or to get better interest rates, then there may still be a lien on your vehicle.
But wait! I have a lien on my car or truck, but I still need quick cash in Kansas City! Unfortunately, lenders tend not to issue title loans with liens on a vehicle for a very good reason: Because you're using the value of your car as collateral for your loan, you need to be the sole owner in order to get a car title loan in Kansas City, Shawnee, Independence, or pretty much anywhere else. If the bank or the car dealership still owns an interest in your car, then you can't use that value as collateral toward a car title loan.
It's unfortunate that title loans with liens are rare, as it's difficult to get the quick cash you need if you don't have a car with a lien-free title. There may be other routes that you can take, however. We recommend talking to a reputable title loan company about your options before you make any major financial decision.
If you need quick cash in Kansas City, Independence, Shawnee, or anywhere else in the KC Metro Area, and you do have a car with a lien-free title or just want to learn more about how the title loan process works, contact Midwest Title Loans in Kansas City today, or get started now by filling out our Online Title Loan Information Sheet. We can help you get the cash you need when you need it or answer any questions you might have about the title loan process and your financial options.Car Title Loans with Liens: What You Need to Know Read more
September 26, 2017
Everyone has been there at some point in their life: You lose track of how much money is in the household bank account, you go through a regular day or weekend buying groceries, making purchases, paying bills, visiting ATMs, and at the end of the day you find out that your account is overdrawn and you've incurred a bunch of overdraft fees. While each fee may not be all that much, they can add up pretty quickly, and you may find yourself with a sudden cash flow problem that you didn't expect. In that situation, you may want to turn to a bad credit title loan in Kansas City, St. Joseph, or Overland Park.
Here are a few quick facts about overdraft fees that you might not know: Most banks (around 83%) allow overdrafts at ATMs and when you use your debit card at a store or other point-of-sale. That means you may get an overdraft fee tacked on to your account for every single transaction that you make until you notice that you are overdrawn, which can take a day or even longer, depending on the situation. Most banks charge more than $30 per overdraft. In 2015, the average was just shy of $33, and more than half of the major banks in America charge between $35 and $38 per transaction. If you made five or ten purchases before you realized you were overdrawn, that number can add up fast. And if you have multiple family members who are all using the same account, it gets even worse!
Those cascading fees can easily send your bank account plunging a long way into the negative numbers, which can make it hard to recover from an overdraft and lead you to accrue even more overdraft fees as you try to get your bank account back up into the black. While studies show that the average "overdraft event" costs around $69, it's all too easy for an overdraft to skyrocket into much bigger numbers, especially if you don't have the extra cash in savings or somewhere else to get your account back up where it belongs until you can get everything sorted out.
So what do you do when your paycheck bounces or some other unexpected event lands you with an unforeseen avalanche of overdraft fees, especially if you have less-than-perfect credit to start with? A bad credit title loan in Kansas City can help get you the cash you need to set your bank account back to rights and stop adding additional fees to a growing problem. If you're in between paychecks, you may not have ready access to quick cash to get your account back where it belongs, so a bad credit title loan can fill the gap until your next payday.
How does it work? Just bring in your car with a lien-free title and a photo ID to Midwest Title Loans in Kansas City today, or get started now by filling out our Online Title Loan Information Sheet, and we can help set you up with a bad credit title loan in Kansas City in as few as 20 minutes so that you won't have to worry about one more overdraft fee!Read more
September 19, 2017
These days it seems like it is easier and easier to get over your head in debt. After all, just about everything is done on credit nowadays, and when you have multiple credit cards, home and car payments, medical bills, and finance plans for things like appliances, home electronics, entertainment centers, and bedrooms sets, it can be all too easy to miss a payment or two and find yourself sinking in interest. That's why many people search for a "title loan near me" to find a way to help consolidate bills, pay off credit card debt, and otherwise simplify their budgets and payment plans.
Sometimes credit cards offer interest-free periods for balance transfers or purchases, while many retailers will sell big-ticket items such as entertainment systems or living room furniture on a payment plan with no interest for so many months. Of course, when that no-interest period winds down, you need to have the total amount paid off, or BIG interest payments often start to accrue. So if you find yourself approaching the end of a no-interest payment period and still have a few hundred or a few thousand dollars left to pay, a title loan in Kansas City may be one way to knock out that expense in one fell swoop.
Let's face it: having a whole bunch of credit card bills, payment plans, and other monthly statements puts a person under a lot of stress. It's hard to keep on top of everything, and harder still to make sure that every payment gets where it needs to go on the day that it's supposed to get there. You have to keep an eye on your bank balance to ensure that the money is in the account when it needs to be so that the check doesn't bounce. It's all a lot to keep track of. So for many people, reducing the number of payments they have to make each month can be a lifesaver.
Even if you still owe the same amount of money at the end of the day, having to keep track of one due date and write one check instead of half a dozen can reduce an awful lot of stress. Not to mention that if you opt for a car title loan in Kansas City from Midwest Title Loans, your repayment will be handled under an easy-to-understand 60-day repayment schedule, so you won't have to worry about keeping track of a lot of different dates, or remember where you need to send the money when the time comes.
Best of all, it's easy to get the cash you need to cover your bills with a car title loan in Kansas City. All you need is a car with a lien-free title and a photo ID, and Midwest Title Loans can do the rest. There's no credit check, and you can drive off in your own vehicle in as few as 20 minutes. Plus, you can get loans ranging from $150 to $5,000 depending on the value of your vehicle, so you can tailor your loan to meet your financial needs.
If you're searching for a "title loan near me" to consolidate your bills, then chances are you already know about the many benefits of car title loans in Kansas City, so just contact Midwest Title Loans to get started today or fill out our Online Title Loan Information Sheet to make the process even quicker!Read more
September 12, 2017
We've talked before about how a flex loan in Kansas City can help you meet those unexpected expenses that sometimes crop up: a car breaks down, a family member gets sick, a household appliance goes on the blink, you need to take an unforeseen trip, or any number of other expenses that can show up out of the blue and ruin your carefully arranged budget. But there are plenty of other bills that come in month after month, and a flex loan in Kansas City can help you take care of those expenses, too.
We all have bills that we pay regularly. Whether they're bills that come in once a month or expenses that we only have to cover once a year, they're generally about the same amount, and we can always count on them showing up over and over and over again. Think of them as "mandatory expenses." What kinds of things are we talking about? Well, the mortgage payment is a good example. So are property taxes, income taxes, quarterly business taxes, HOA dues, utility bills, insurance premiums, the list goes on and on. These are things that you can't just skip or do without. (Sure, you can't skip or do without groceries or gas either, most likely, but those are expenses that tend to fluctuate a little more from one instance to the next.) Plus, if you don't pay your mortgage or your taxes in a timely fashion, you're likely to be hit with some consequences.
The consequences for missing a mandatory payment may be as minor as a late fee or higher premiums, but it could also be as catastrophic as a foreclosure on a home or property, utilities being shut off, or trouble with the IRS or your Home Owners' Association. If you have a business and you don't pay your bills on time, it could severely hamper your ability to deliver your products and cut into your bottom line.
So what happens when one of these mandatory bills comes due and the money just isn't there? That's when a flex loan in Kansas City can help. How does it work? With a flex loan, you leverage your car's title as collateral, just as you would with a typical car title loan, but instead of a 60-day renewable contract, flex loans in Kansas City let you borrow up to a pre-set credit limit—and even re-borrow if you end up needing more money—while repaying based on a daily interest rate. That gives you the flexibility (hence the name) to borrow as much or as little as you need—up to your pre-set limit—to cover whatever expenses come up, mandatory or otherwise!
So whether you find yourself short of cash to cover a mandatory bill or you just need some quick cash for an unexpected expense that caught you off guard, contact Midwest Title Loans in Kansas City or fill out our Online Title Loan Information Sheet to get started today!Read more
September 5, 2017
Does it sometimes seem like just about everyone you know runs some sort of business out of their home on the side? They may be a freelance writer or a website developer, or they may sell homemade soaps or jewelry on Etsy. They may run a daycare service in their home or a lawn care business out of their garage. They may tutor school children, or act as a personal trainer, nutritionist, yoga instructor, business coach, consultant, accountant, or transcriptionist. These are just a few of the most popular home-based businesses in the United States. But when you see all those people running businesses out of their homes, you may ask yourself: how did they get started? Well, you may be surprised to find that some home-based businesses in the metro area start with car title loans in Kansas City.
Many home-based businesses begin as ideas that have low overhead. After all, working out of your home saves on renting office and warehouse space, not to mention the slight tax break you can get from having a portion of your house dedicated to a business. But even the least costly small business still needs working capital, and for those who want to start a home business, car title loans in Kansas City can provide the quick cash you need to get your new business venture off the ground.
Starting a home-based business can be cheap—in fact, survey data says that almost half of all home-based businesses cost less than $5,000 to start—but they still cost money, and most of us don't have an extra $5,000 just lying around. Some of the costs that accompany starting a home business include formation costs such as registering your business with the state, the cost of buying equipment like a new computer or the software that you may need, and the cost of promotional and marketing materials to help get the word out there. You may also want to hire an accountant to help make sure that you're keeping in the clear on your taxes and speak with an attorney about any contracts or other legal needs that your business may have. Plus buying all of the raw materials that may go into whatever your business makes or sells.
Of course, the goal of any home-based business is for it to start paying for itself in short order, but you need the cash in hand to get the business off the ground before it can get to that point. If you think you've got a winning idea for a home-based business in Kansas City and just need the capital to get it started, a car title loan may be just the ticket. As a matter of fact, you can get car title loans in Kansas City from Midwest Title Loans for anywhere from $150 to $5,000, making them the perfect size to kick-start your home business! All you need is a car with a lien-free title and a photo ID, and Midwest Title Loans can do the rest!Read more
August 28, 2017
Owning a home can be a great experience filled with a lot of joys. As any homeowner knows, it can also be filled with frustrations. A home is a complex thing, after all, from the roofing to the foundation, from the plumbing to the fixtures, from the appliances to the windows and doors. With anything so complex there's a lot that can go wrong. Every homeowner knows that when something decides to fall off its hinges or spew soapy water all over the kitchen floor, it's always going to be at the least opportune time. That's why flex loans are available when a minor domestic disaster strikes and you need some quick cash to fix something up around the house.
Sometimes that may be the cost of replacing a window or a door. Other times it might be a major appliance on the fritz. Of course, there are just as many things that may need repairs on the outside of the house as on the inside, right? You might need to fix the roof during the rainy season or remove a tree after a storm. Maybe you need to hire a pest-control professional to take care of an infestation of pesky critters or a tree service to trim back branches from your roof or powerlines. Maybe your fence got knocked down in that last big storm that blew through Kansas City, or a window got broken out when your kids were playing ball in the yard.
Whatever form they may happen to take, these kinds of repairs tend to show up at the worst possible time, often when money is already tight. Some experts say that you should set aside approximately 1% of your home's purchase price to cover maintenance and repairs throughout the year. Not all of us have that luxury, and sometimes one year hits a little harder than another and expenses add up. What do you do when money is short but you still need cash to cover repairs? Flex loans can get you the credit you need to get your house back in shape when an unexpected repair bill crops up.
All you need to get a flex loan in Kansas City or Overland Park is a drivable vehicle with a lien-free title, a photo ID, and proof of income. Like car title loans, flex loans use the title of your vehicle as collateral, but as their name implies, flex loans give you a little more flexibility. Rather than being a set amount based on a 60-day renewable contract, flex loans let you borrow up to a certain credit limit and are structured around a daily interest rate. Fortunately, they're still just as quick and easy to get as car title loans, and because you use your car's lien-free title as collateral, there's still no need for a credit check.
If you need a little quick cash for home repairs, just come in to Midwest Title Loans in Kansas City or Overland Park with your lien-free vehicle today, and let us help you get the credit you need with the flexibility that you want.Read more
August 21, 2017
Car title loans have been a valuable financial tool on the market for some time now, especially for those who may have less-than-perfect credit. Unfortunately, many people are still unfamiliar with title loans and exactly how they work. This can lead to confusion and lost time as people try to obtain title loans with liens still on their vehicles or otherwise attempt to get loans without completely understanding the ins and outs of the title loan process and in what situations car title loans are a good solution. Since one of the many benefits of car title loans is that they are so quick and easy to obtain, understanding the process can really help people out.
For the car title loan process, all that is required is usually a vehicle with a lien-free title and a photo ID. This is because the value of the vehicle is used as collateral in the loan. If the loan isn't repaid, the lender keeps the title and can claim the vehicle in lieu of payment. That's why the borrower has to be the owner of the vehicle, and it's also why the vehicle's title has to be lien-free.
What is a lien? A lien is a claim that a lender has over a vehicle. If a car, truck, or SUV was financed through a bank or other lending company when it was purchased, that bank or lending company is essentially a part-owner in the vehicle until all the car payments have been made and the financing is fully paid off. Some people jokingly refer to this as "renting from the bank." Until that financial obligation is fulfilled and the car, truck, or SUV belongs completely to the borrower, the vehicle's title is considered to have a lien on it from the bank or other financial institution, meaning that the borrower is not the sole owner of the vehicle. This makes it impossible to get title loans from most lenders.
This all may sound a bit complicated, but it's really fairly simple. In order to obtain a car title loan, a borrower needs to be the sole owner of the vehicle that they're using as collateral. This means that the borrower's name must be the same one that appears on the title. In the case of title loans with liens, the bank or other financial institution would be a "part owner" of the car, which is why most lenders don't issue title loans with liens on the vehicle.
However, if you have a lien-free vehicle, car title loans can be a great way to get quick cash in Kansas City, Overland Park, St. Joseph, or anywhere else in the metro area, even if you have bad credit. Just bring in your photo ID and your car's lien-free title to Midwest Title Loans in Kansas City, or get started now by filling out our Online Title Loan Information Sheet, and let us help you get the cash you need with a lien-free car title loan today!Read more