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
August 14, 2017
Summer is coming to an end in Kansas City. The heat is beginning to subside, football season is starting up, and the kids are headed back to school. For most of us, the end of summer comes with the realization that the holiday season is right around the corner. Sometimes that means excitement; other times it's cause for panic. Fortunately, there's no need to fret when car title loans in Kansas City can help you make this holiday season merry and bright—or spooky and fun, as the holiday dictates.
Some families don't decorate much for Halloween, but for many others it is a big deal. In fact, it's the second biggest holiday in America when it comes to spending and preparation. That means a lot of fake cobwebs and inflatable lawn ghosts! For Thanksgiving, you may just go to Grandma's house with little more than a bottle of wine and a casserole in tow. You may even choose to be a little more reserved this Christmas, opting for quality time with the family spent around the tree or in front of a roaring fire in lieu of a pile of gifts. Some folks prefer to stay in on New Year's Eve and toast the beginning of a new year with their loved ones without a lot of fanfare. Whatever you do for the holidays, though, they're a time for family and a time to make memories. Sometimes that also means spending a little bit of money.
Whether that means a professional spook show in your garage on Halloween, a trip to visit family out of state on Thanksgiving, plenty of presents under the tree on Christmas, or a big New Year's Eve blowout, helping your family to experience all the magic of the holidays sometimes comes with a price tag. Last year, Halloween spending reached $8.4 billion in the U.S. That averages out to around $100 per person. Besides the cost of Thanksgiving dinner, there are also all those tempting Thanksgiving weekend sales, and the total for Christmas spending last year was around $752 per person.
When money is tight, you may not always be able to drop that kind of cash on the holidays, but fortunately you can still make holiday magic by getting a little creative with your spending. If you still find yourself in need of quick cash to help make the holidays sparkle, though, car title loans in Kansas City, St. Joseph, and Overland Park are an easy way to get the money you need without jumping through a lot of hoops. Given how busy the holiday season can be, the fact that you can get in and out in as few as 20 minutes really helps!
How do car title loans work? All you need is a photo ID and a vehicle with a lien-free title, and Midwest Title Loans in Kansas City pretty much does the rest. If you don't have a lot of time to spare this holiday season, you can make the process even faster by filling out our convenient Online Title Loan Information Sheet before you come in!Read more
August 7, 2017
The economy has been growing at a steady pace for some time now, and businesses are starting to take note. Unemployment is at an all-time low, but companies are still growing and adding new positions, which means that many employers are trying to fill job openings from a shrinking pool of candidates. Sometimes this means luring workers from other jobs with more attractive pay and incentives. It's a seller's market where job seekers have the upper hand, but your next great opportunity could come with a few up-front expenses. Fortunately, you can help cover these costs with a bad credit car title loan in Kansas City.
If you're looking for a job, looking to make a career change, or even if you just see a great chance to climb the ladder right around the corner, now is a perfect time to seize the opportunity. While it may be a great time for job seekers, you may still have to travel for job interviews or spend a few bucks to sharpen your image in order to stand out from the crowd of prospective employees. While that will cost you a little out of pocket up front, there's sure to be a return on your investment if you land the job.
The problem comes when you don't necessarily have the ready cash to meet those out-of-pocket expenses. You may be able to get a new suit for as little as $200, but one that is going to impress at an interview may cost a little more. The average cost for a quality suit is estimated at around $500. A trip to the barbershop to spruce up your haircut can run you anywhere from $30 to $150, while airfare for an interview in another city runs an average of around $470. If you have to stay overnight, you're looking at another $155 for a hotel room and $30 or more for meals. You may also want to invest in some professional help in making your resume shine. A professionally written resume can run you anywhere from $80 to $350.
When you have bad credit and are short on cash, those expenses may seem insurmountable. Yet there's no denying the rewards that await if you can just land that sweet new job. Chances are it pays better than your current job, and it may help set the stage for the rest of your career and even start building better credit. What do you do? A bad credit car title loan in Kansas City can get you the quick cash you need—ranging anywhere from $150 to $5,000—and help you to really compete in that big job interview.
All you need to get started is a lien-free car title and a photo ID, and you can make the process go even faster by filling out our Online Title Loan Information Sheet. Then just come by Midwest Title Loans in Kansas City, and we can help you get the cash you need to look great and feel confident for your next job interview.Read more
July 20, 2017
Spring and summer are popular times for DIY home remodeling projects, especially here in Kansas City and the surrounding area, where the weather can be unpredictable at best throughout the year. Of course, even without the vagaries of the KC climate, home remodeling projects rarely go exactly as anticipated, no matter how well-planned they may be. Unexpected surprises can lead to skyrocketing budgets, and when that happens, a short-term loan in Kansas City may be just what you need to help make ends meet until the repairs are complete.
Of course, most home renovation and remodeling experts will tell you that the best time to tackle a remodel is when you've got plenty in the budget to allow for overages. But we don't always have the leisure to take on projects at the best possible time, and spring and summer can be appealing for any remodel that has to do with the exterior of your home, from replacing siding and doors to painting the house or constructing a deck.
Whether you're planning a small project or something a lot more ambitious, anyone who has watched a few of the popular home remodel or DIY TV shows can tell you that many projects around the house often uncover other problems or additional projects that call for a little more capital than you may have budgeted for up front. Even if you don't encounter some emergency that needs immediate attention, you'll often find yourself bundling projects together, rather than tearing everything apart again somewhere down the road.
After all, when you're tearing out walls, pulling up floors, or performing any other demolition, you may come across outdated or corroded plumbing, old wiring, worn insulation, crumbling drywall, cracked caulking, or moisture and mold that can all lead to higher out-of-pocket expenses. But no matter how carefully we plan, our home renovation budget is never unlimited, and when costs start to climb it can be comforting to know that a short-term loan can help you finish the project without breaking the bank.
Short-term loans also have the advantage of getting you the cash you need right away. After all, very few large-scale home projects have a truly open-ended time frame, especially if you started them during the spring or summer months in order to get them finished before the bad weather sets in. All you need to get a short-term loan in Kansas City is a vehicle with a lien-free title and a photo ID. From there, you just fill out some simple paperwork and you can drive off in your own car with a cash loan of anywhere from $150 to $5,000, based on the value of your vehicle.
So if you need quick cash to finish up that home remodel project in Kansas City, Overland Park, St. Joseph, or anywhere else in the metro area, all you need to do is contact Midwest Title Loans in Kansas City or fill out our Online Title Loan Information Sheet to get started today!Read more
July 20, 2017
Did you know that 97% of Kansas City businesses are small businesses? That's according to recent data from the US Census Bureau. What constitutes a small business? Well, for the Census Bureau, a small business is one with fewer than 100 employees. What do all these businesses have in common? One thing is that all of them require working capital in order to sell their products, pay their employees or contractors, and keep the business operating as it should on a day-to-day basis. Working capital is the money used in everyday operations, what keeps the lights on in the office, buys supplies, repairs or replaces broken equipment, and so on. But even the most successful businesses occasionally fall short of the working capital they need to cover all their day-to-day expenses, and when that happens, bad credit title loans can often bail small businesses out of a bind.
There are all sorts of reasons why a business—especially a small business or one that is still getting established—might temporarily fall short of the capital needed for day-to-day operations. It could be a miscalculation on the cost of goods or of profit margin, an over-investment in any aspect off the business, or an underestimation of the demand for a particular product or service. It could be as simple as a downturn in the market, or clients who don't pay their invoices on time.
Whatever the reason, small businesses, which tend to work on narrower margins than bigger corporations, are particularly susceptible to these sorts of market forces. But at the end of the day, any business can run up against a shortfall of working capital, and when that happens, it can be tough to keep the business afloat unless you can leverage credit or other financial assistance.
Compounding the problem is that many small businesses, especially those that are just starting out, don't necessarily have a robust credit history. After all, approximately 57% of people under the age of 30 have a below average credit score, often because they simply haven't had the time to build up good credit. So, when small businesses find themselves short of capital and without good credit to rely on, a bad credit title loan can help keep the business running until the flow of working capital picks back up.
While many traditional lending institutions may be leery of extending a loan to a business with bad credit or no credit, a bad credit title loan requires no credit check and can get you a loan ranging from $150 to $5,000 based on the value of your lien-free vehicle. That can be a lifesaver when payroll or the office utility bills come due.
Plus, because it uses your vehicle's title as collateral, you can keep your car while you pay off a bad credit title loan. All you need is a vehicle with a lien-free title and a photo ID, and you can get yourself and your business back on the road in as few as twenty minutes. To learn more contact Midwest Title Loans in Kansas City today, or fill out our Online Title Loan Information Sheet to get started!Read more
July 20, 2017
These days it seems like you can't go very far online without tripping over an article or three about millennials, often dealing with their financial habits. But the fact of the matter is that millennials often don't yet have access to some of the financial resources that previous generations may possess. Since many millennials have only recently graduated from high school or college, they are often still working to carve out careers for themselves, which means that they may not yet have established a solid credit record or much in the way of emergency funds. But millennials still have expenses to meet, and when they need quick cash, car title loans in Kansas City can often be a great resource that doesn't require a credit check or a lengthy waiting period.
Millennials are individuals who were born between 1982 and 2000, making them anywhere from 17 to 35 years old at the moment. As anyone who has ever been 17 to 35 years old can tell you, it can be an exciting and challenging time of your life. Often you are just getting started in your chosen field, and you may also be starting a family. It's a time of many changes, but it's not often a period marked by financial stability. Yet millennials face all the same financial burdens that other generations have faced, and sometimes more. Month to month bills, student loans, credit cards, child care needs… all these expenses stack up, and in fact, a recent survey by Manpower has shown that 75% of millennials typically work more than 40 hours weekly to keep up with these costs, with 25% working more than 50 hours per week.
All of that hard work can help to establish a rosier financial future, but it doesn't always provide the quick cash you need in the meantime. If the refrigerator breaks down, the car won't start, the kids need back to school clothes and supplies, or any of a dozen other foreseen or unforeseen expenses crop up, your regular paycheck may not always supply all the cash you need, and without a solid credit history or a lot of money in the bank, it can be tough to make ends meet. That's why car title loans in Kansas City can be such a boon to millennials, who may not yet have built up a solid credit rating.
Car title loans use your vehicle's lien-free title as collateral, which means that they don't require credit checks. That's great for people who are just starting out and may not have an established credit history. What's more, they allow you to keep your car while you repay your loan. That's often essential for today's busy millennials, who rely on dependable transportation to keep their job (or jobs).
Of course, the pros and cons of any financial decision should be carefully weighed by the individual, and will ultimately come down to your particular needs, financial situation, and budget. But many individuals (including millennials) have seen the value of car title loans when they're in need of quick cash with no credit check and no loss of transportation. To learn more, just contact Midwest Title Loans in Kansas City today or fill out our Online Title Loan Information Sheet to get started!Read more
July 20, 2017
Kids may not always be thrilled about the school year starting back up, but parents often welcome the return to normalcy that a regular school schedule brings to the home. What parents don't always look forward to is shopping for back to school clothing and supplies, which can be stressful, not to mention expensive. Schools often don't send out lists of needed supplies until about a month before school starts, leaving parents without a lot of time to raise the money and do the shopping to ensure that their kids are properly prepared for that first day of classes. Luckily, if you need a little help raising quick cash for school supplies, car title loans in Kansas City may be just the answer you're looking for!
While pencils, paper, and notebooks may not cost much on their own, the totals for back to school shopping can add up pretty quick. In fact, back to school spending this year is expected to total more than $27 billion in the United States, according to research performed by Deloitte, who have been tracking spending trends for the past decade.
$27 billion is a big number, but there are also a lot of students in the U.S. So how much should parents expect to spend per student? The answer to that question depends on a lot of different factors, including where you live and what grade your kids are in. However, reports suggest that parents in the United States spend an average of just over $100 on essential supplies alone. That's stuff like pencils, crayons, glue sticks, notebook paper, erasers, scissors, folders, highlighters, a backpack, and so on. When you factor things like back to school clothes into the mix, that number can easily grow to $300, $400, or even more per student. Does your child also need a laptop or an iPad for classes this year? That'll drive the price up even higher.
Fortunately, many states understand the burdens that parents face around back to school time, and offer at least a small break to help with these expenses. In Missouri, that comes in the form of the Missouri Tax Free Weekend, which offers tax savings on school supplies, clothing, and computers, not to mention computer accessories like monitors, printers, and some software. This year, the event is the weekend of August 4-6, 2017, and fortunately you don't have to be a Missouri resident or a student to participate and save!
However, back to school shopping always happens with a deadline looming overhead. So if you need quick cash in Kansas City to take advantage of the Missouri Tax Free Weekend, or simply need some extra money to help make sure the kids have everything they need before heading back to school, a car title loan in Kansas City may be the answer. All you need is your car with a lien-free title and your photo ID, and you can be approved in as few as 20 minutes!
To learn more visit Midwest Title Loans in Kansas City today, or get started now by filling out our Online Title Loan Information Sheet so you've got the cash you need for all your back to school shopping!Read more