December 19, 2017
The holiday season is fully upon us now, which means that families throughout the greater Kansas City area are putting up their decorations, stringing lights, hanging mistletoe, trimming the tree, baking cookies, and hitting shops in Kansas City for all those holiday gifts for friends, family, and coworkers. Some are planning to stay home through the holiday season, while others are traveling near and far to visit relatives and loved ones. One thing that pretty much every family in the KC area has in common, though, is that holiday expenses are already starting to melt the family budget, and most of us could use a little relief when the costs start to exceed what we had planned.
It's amazing how quickly holiday costs can pile up. In fact, a recent study posted in Time magazine estimated that the average American plans to spend more than $800 during the winter holidays. So if your holiday budget feels like it's spinning out of control, keep in mind that title loans in Kansas City can offer immediate help with holiday expenses.
Buying Holiday Gifts for Family and Friends in Kansas City
A poll conducted by Gallup showed that the average person intends to spend between $800 and $900 on gifts alone this holiday season, with 30% saying that they were likely to spend more than $1,000. Those numbers may seem high until you start thinking of how many people you probably buy gifts for each year. Just within a family of four, there are wrapped gifts that go under the tree, plus stocking stuffers, gift cards, and other things. And those gifts are just for the members of your immediate family. Many of us also buy gifts for extended family and close friends and might even go in on a Secret Santa gift exchange at work or buy small treats for our coworkers. All of that adds up pretty quickly, and if you start feeling the pinch before you've filled up every stocking this holiday season, title loans in Overland Park, Gladstone or Kansas City may be just the ticket.
Holiday Dinner and Party Expenses
The holidays just wouldn't be the holidays without a few holiday parties or get-togethers. There's probably an office party at your work in addition to family dinners and maybe a big holiday dinner party. If you're hosting, you can expect to spend anywhere from $10 to $25 per person, maybe more if you're serving some of the better drinks. Many hosts are shocked to see how quickly holiday dinner expenses start to add up at the grocery store. Whether you're just having a few friends over for some appetizers or putting on an entire dinner party from soup to nuts, the price tag may be more than you expect. It can be good to have a little cash on hand to cover that extra bottle of wine or that fancy desert.
Even if you're just attending an office holiday party or a dinner party at a friend's house, you may want to bring a small gift or pick up a new outfit to look your best for the occasion. That may not be as pricy as hosting your own dinner party, but it isn't necessarily cheap.
Costs Related to Business Gifts for Coworkers
If you work in an office environment, there are almost always costs that come with the holidays. We already mentioned participating in a Secret Santa program, but your team may also want to chip in together to get a gift for the boss, or you may want to surprise a favorite coworker with a little something special. And of course, you're always going to boost your popularity a bit if you bring some delicious treats to share in the break room during the holidays.
For small business owners or entrepreneurs, business gifts during the holidays may be even more important and can represent a more substantial expense. Many experts in small business suggest spending up to $750 on cards and gifts for valued clients. This isn't just a polite way to spread holiday cheer; it's also good business. Clients who feel appreciated are clients who are more likely to stick around. And if your business has employees, you may want to throw them a holiday party, which can cost around $1,000. As you can see, business-related expenses can really add up, and that's all on top of the money that you're already spending on friends and family!
Adding Up Holiday Travel Expenses
Many people travel during the holiday season, whether it's a simple family getaway or a trip to visit loved ones in another state. Airfare for a trip that lasts no longer than four nights is around $224 per person around the holidays, though it may be more or less depending on how early you book your flights. Then of course hotel rooms can set you back $150 per night, unless you're planning to stay with relatives, while food and other expenses can run you more than $150 per day. Whether you're headed over the river and through the woods to Grandmother's house this holiday season or just taking advantage of the winter break to go someplace a little warmer for a few days, holiday travel can definitely blow up your family budget, especially when it's combined with other holiday expenses. That's where car title loans in Kansas City may come in handy.
Holiday Relief with Title Loans
Whatever may be draining your family budget this winter, title loans in Kansas City can be a valuable option during the holiday season or any other time of year. The typical car title loan requires no credit check and is available in amounts that range from $150 to $5,000, making it a perfect solution for those unexpected holiday expenses. Plus, with nothing more than a car with a lien-free title and a photo ID, you can drive off with the cash you need in as few as 20 minutes from any of our convenient locations offering title loans in St. Joseph and Gladstone, Missouri as well as in Overland Park and Kansas City.
Get Some Help with Holiday Expenses
The holidays are a magical time of year, regardless of whether you celebrate Christmas, Hanukkah, Kwanzaa, or any other occasion. It is a time to spend with family, friends, and loved ones, making memories that will last a lifetime. That can often make us feel a lot of pressure to ensure that the holidays are as merry and bright as possible. Bargain shopping, setting budgets, and keeping an eye on your holiday expenses can help, but when something unexpected comes up or holiday expenses simply grow larger than your budget, it's good to know that title loans in Kansas City can offer immediate help. So if you need a little extra cash in your holiday budget, contact Midwest Title Loans in Kansas City or fill out our Online Title Loan Information Sheet to get started today!Read more
December 19, 2017
It is estimated that Santa brings gifts to nearly 330 million children worldwide every year. Of course, what percentage of that number represents "good children" and what percentage represents those who are just getting lumps of coal we'll never know, since the Nice/Naughty list is a closely guarded secret that's held under high security at the North Pole. What we do know is that the cost of delivering so many toys and presents must be astronomical. After all, Santa has to visit hundreds of millions of homes in a single night, a feat that is bound to have some expensive logistical hurdles. And that's not even taking into account the manufacturing costs for all those toy trains, wooden soldiers, candy canes, and—let's be honest—iPhones. Of course, the elves also have to be paid for their labor, and chances are there's an elf union that negotiates some pretty good benefits. And you know that Santa's hard-working reindeer probably go through an awful lot of hay and apples to keep up the energy for their round-the-world journey.
While in all seriousness we may know that "Santa" is actually the result of the collective efforts of hundreds of millions of hard-working parents all over the world, there's still a certain magic to the Santa Claus tradition, and for many parents it's important to maintain that for their children. However, even the most hard-working parents often find themselves strapped for cash during the height of the holiday season. Fortunately, car title loans in Kansas City, Gladstone, St. Joseph, and Overland Park can bring a little bit of relief when it is needed, helping to keep "Santa" at the top of his game.
Gifts for Kids
Buying gifts for your kids is one of the most fun parts of the holiday season, but it can also be stressful, confusing, and more expensive than you expect. Some of the most popular toys this year include Hatchimals, Fingerlings, and, of course, the Nintendo Switch. Of course, the prices for those can be all over the place. Fingerlings may cost less than $20, while a Nintendo Switch will run you more than $200.
That said, what's on your children's wish lists will vary based on how old they are. Older children and teenagers may want things like iPhones or iPads, a pair of designer sneakers, or a musical instrument. That can cost anywhere from $400 to $1,000 or even more. Add in the fact that the holidays are also a great time for more practical gifts like a new winter coat, and gift costs can really add up, especially for a family of four or more. So how do you make sure there are plenty of presents under the tree, even when Santa is strapped for cash? Car title loans in Kansas City can help you out!
Besides the big-ticket presents, Christmas morning just wouldn't be the same without those smaller presents that are stuffed into your stockings. While stocking stuffers are generally more inexpensive because they are small, stockings are big enough to hold gadgets like Apple Watches or more expensive gifts like jewelry, too. And it's not uncommon for Santa to leave an envelope full of gift cards or cash.
Let's Not Forget…
Of course, families all over the world—and all over the Kansas City, Gladstone, St. Joseph, and the Overland Park area—celebrate a wide variety of winter holidays, from Christmas to Kwanzaa to Hanukkah and lots more! While the traditions and specific observations for these holidays vary from family to family, many of them involve exchanging gifts, which means that parents especially are likely to feel the pinch of a tightened winter budget.
Whether you're Christian, Muslim, Hindu, Jewish, Buddhist, or any other faith, children all over the world have a lot of things in common and tend to want a lot of the same things when it comes time to receive a gift. So whatever you celebrate, if you find yourself strapped for cash this holiday season, you can find relief with the help of car title loans in Kansas City.
Regardless of what holiday or holidays you celebrate this winter, you're bound to find yourself attending—or even hosting—a number of holiday parties, events, and other get-togethers. It may be a holiday party at work, a winter program at your children's school, a Christmas play or musical at a local theater—such as the Nutcracker at the Kauffman Center for the Performing Arts, which, for many Kansas City families, is a can't-miss holiday tradition—photos at the local shopping mall with Santa Claus, or a trip to visit friends or family.
Hosting can definitely be expensive, but even just attending a holiday gathering can carry a hefty price tag. You might have to buy tickets, and you may need a new outfit to make a good impression, especially at that office holiday party. If your kids are in a school pageant or program, you may need to help pay for costumes or set decorations. And of course, if you're hosting a holiday party this year, you'll need to buy food and drink, decorations, invitations, and everything else that goes into making your holiday party a success. And if people are coming over—whether they're friends, family, or coworkers—you'll want you home to look its best, including plenty of seasonal décor. Luckily, if all the merriment and festivities threaten to consume the family budget, car title loans in Kansas City can help!
Car Title Loans to the Rescue!
Car title loans from Midwest Title Loans in Kansas City range anywhere from $150 to $5,000, meaning that you can get a loan that's tailored to the amount you need this holiday season. All it takes is a car with a lien-free title and a photo ID, and you can get started today with no credit check! Just come by one of our convenient Midwest Title Loans locations in Kansas City, St. Joseph, Overland Park, or Gladstone, and you can drive off in your own car with the cash you need in as few as 20 minutes!
Give Santa (or Whomever!) a Break this Season
Obviously, Santa can save a bundle if he/she shops for bargains and sticks to a budget, but you really can't put a price on the look of delight in your children's eyes when they come rushing down the stairs to see bursting stockings and gifts galore piled under the tree. Parents of all faiths and cultures take great pride and pleasure in sharing the warmth and merriment of the holiday season with their families, and nobody wants the holidays to be spoiled by worrying too much about money. It's good to know that there are resources available to put quick cash in your hands when you need it. Car title loans are always available during the holiday season, and they can be a lifesaver when you need to finish out that holiday shopping. Just contact Midwest Title Loans in Kansas City today, or get started now by filling out our Online Title Loan Information Sheet, and let us help make your season merry and bright!Read more
December 19, 2017
Sure, most of us know how to budget, especially when money is tight. We're typically on top of monthly expenses such as mortgage or rent payments, credit card bills, student loans, utility bills, phone and internet service, and all those other monthly charges such as our Netflix or Hulu subscriptions. Even when we've got every other regular, recurring payment mapped out and budgeted for, however, annual expenses can sometimes catch us by surprise. That's when we may need to turn to Google and search for a "title loan near me" in order to find a quick resource for the cash we need that requires no credit check and lets us keep the full use of our vehicle while repaying the loan. How can a title loan be used? Let's take a look at some of the unexpected expenses that you may encounter throughout the year and see how a title loan near you can help.
All Those Annual Fees and Dues
Fees that we pay every month are easy to remember, and after a while they just become a habit. But those fees and dues that only come up once a year often feel like they come out of nowhere and can really catch us all off guard. These once-a-year-expenses can include a family membership to a local museum or zoo, an Amazon Prime subscription, professional licensing fees, AAA membership, magazine and newspaper subscriptions, even warehouse club membership fees that allow us to keep making those money-saving trips to Costco or Sam's Club. Then there are pet tags and licensing fees, depending on where you live. Plus, some folks have annual union dues, and if you're a small business owner there's liability insurance and business licensing fees that come due every year. And of course, tax season always rolls around whether we want it to or not.
When those annual fees, dues, and subscriptions creep up on you, it's good to know that some financial relief is as close as a quick search for a "title loan near me."
Title Loans to Cover Household Expenses
Owning a house is a great investment, but there's no denying that it also costs money. Throughout the year, there are always a variety of expenses—some expected, others not so much—that come along with home ownership. Many people pay their HOA dues in one lump sum at the beginning of the year rather than having to remember to send a check every month. There's also homeowner's insurance and taxes if they're not escrowed in with your mortgage payments. You're also bound to have expenses for home maintenance and repair, a never-ending part of owning a home. There's the basic stuff, such as gutter cleaning and tree trimming, and then there are the unexpected problems, such as a furnace, refrigerator, or other major appliance going out.
Whether you find yourself a little short when it comes time to cover that homeowner's insurance bill—which can run upwards of $1,000 for many homes—or need quick cash to replace a major appliance, a title loan near you may be just what you're looking for.
Personal Expenses Throughout the Year
Sure, birthdays and anniversaries always come around on the same day every year, but that doesn't mean that we're always thinking about them or planning for them far enough in advance. Whether it's your tenth wedding anniversary, your mom's birthday party, or just that annual family vacation, personal milestones have a tendency to fall at times when money is already tight for some other reason, which can put a strain on what should be a fun and joyful occasion.
Perhaps less pleasant but still inevitable are other personal expenses that crop up year after year, whether that means bills for annual physicals, dental exams, eye exams, life insurance premiums, pet wellness visits and vaccinations, or tuition and other education-related expenses. Plus, many people make their annual charitable donations at the same time each year. Most of that can be budgeted for, but when it coincides with some other expense, cash can get a little tight. That's when it's a good idea to seek out a "title loan near me" for some relief.
Title Loans Near You for Auto Repairs and Related Expenses
After housing, transportation is the biggest item on most household budgets. In fact, the average American spends more than $9,000 per year on transportation-related expenses. Sure, you have to put gas in your car every week or so, but there's so much more that goes into getting around, such as auto registration fees and property taxes, insurance premiums, regular maintenance, or even new tires and brakes. And that's assuming that nothing breaks down! If you own a motorcycle, RV, trailer, or boat, you're probably looking at more taxes and fees, which can really stack up.
Title Loans Near You to the Rescue!
What it all boils down to is this: As you go through your year, expenses are going to accrue. Some will be expected, recurring, and predictable, while others will seem to come out of nowhere. Whatever happens in your life this year, however, you can find a valuable solution by searching for a "title loan near me" in Kansas City.
At Midwest Title Loans, we never require a credit check, and all you need to get a title loan near you is a car with a lien-free title and a photo ID. You'll fill out some simple forms, and you can drive off with your car and the cash you need in as few as 20 minutes! And because our title loans range from $150 to $5,000, there's a title loan for you that fits any budget and any need. Plus, with three great locations in Kansas City, including Overland Park, Gladstone, and St. Joseph, you'll have no trouble finding a "title loan near me!"
Don't Let Unexpected Expenses Ruin Your Year
It's always a good idea to budget for annual expenses—whether that means entering reminders in your smartphone or jotting them down in your day planner—but even the most carefully managed budget gets strained from time to time, especially when unexpected expenses crop up. When that happens, it's good to know that a quick Google search for a "title loan near me" can help you find the cash you need to prevent unexpected expenses from ruining your day, your week, or even your year.
You can get started today by visiting one of our convenient locations or contacting Midwest Title Loans in Kansas City, or make the process even faster by filling out our Online Title Loan Information Sheet!Read more
December 19, 2017
As the old year winds down and the new one begins, most of us are just getting off holiday break, and we're probably still basking in the (figurative) glow of all of that holiday cheer, not to mention the literal glow of that new 60-inch 4K Ultra HD TV we got from Santa. That's when we realize that the new year has dawned and all of a sudden we're facing bills and other expenses from holiday spending, the start of the year, the winter season, taxes, and more!
It always seems like HOA dues, insurance payments, credit card bills, back-to-school supplies for winter and spring, taxes, and even tuition and book fees for the second semester all show up around the first of the year, just when you're getting tired of unexpected guests. This is also the time of year when many stores run after-holiday sales, where you may be tempted to pick up some new clothes or household items at "low, low prices that can't be beat." You may even be planning a trip in the new year or putting in a pool and flying all the relatives to town for the grand unveiling, a la National Lampoon's Christmas Vacation. Whatever is straining your wallet this year, title loans in Kansas City can help you find the cash you need to cover it!
The Holiday Bills Come Due
The holidays are a lot of fun, but they can also be pricey. When you're enjoying all of that Christmas cheer, family, fun, and eggnog, it's all too easy to lose track of what you're spending. But when the holiday high fades and it's back to work and back to school, that's also when those holiday bills start to come due.
It has been estimated that Americans spend more than $800 each during the winter holidays, with some spending a whole lot more than that on gifts alone. Whether you were extravagant or miserly this year, though, the bills always come due sooner or later. Even a modest holiday season can put a pinch on your wallet in the new year, especially with tax time right around the corner. Fortunately, title loans in Kansas City can help. More on that in a bit.
School Starts Up Again
The kids heading back to school after the winter holiday break usually means another round of back-to-school shopping. Maybe you're paying for new books, activity fees, or just tuition for the new semester. Your kids also may need warmer school clothes, jackets, boots, hats, and scarves now that cold weather has finally arrived in Kansas City. Even if you've covered all the regular back-to-school bases, there's always something new that comes up during the second semester, from school trips to sports to other extracurricular activities. If you have kids who are about to graduate from high school, they may need some extra tutoring or college prep courses to help get them ready for college. Of course, a good education is priceless, but that doesn't mean that the costs for it don't add up. Luckily, when those expenses all hit at the same time, title loans in Overland Park and Kansas City may be just the ticket. Stay tuned.
Taxes and Insurance
Jumping into tax prep mode right after the holidays can feel a lot like diving into a frozen lake, but it certainly beats waiting until the last minute. Tax preparation fees for the average household run anywhere from $175 to $250. Add in the fact that homeowner's or renter's insurance usually comes due right after the first of the year, and you may find yourself facing down a bill for a few thousand bucks. That's not the ideal way to start off a new year, but that's okay. Title loans in Kansas City can help you out if you get in a bind!
Home Repair and Maintenance
With the Kansas City area in the grip of winter weather, there's always something new about to go wrong around the house. Furnaces and water heaters are being put to the test to keep the family warm, and if they're going to break down, now's the time they're going to do it. Owning a home is always a battle against time, trying to stay ahead of minor problems before they develop into major ones. During the winter, that means protecting yourself against frozen pipes, battling the ravages of snow and ice, and trying to stay warm while keeping your energy expenses down. And it's always better to be ahead of problems when you can manage it. A complete heating system tune-up may cost you a few hundred dollars, but a new furnace will probably cost you a few thousand.
Winter isn't just hard on the home, either. The cold weather takes a toll on your family vehicles, too, and a mechanical breakdown in the middle of a blizzard is hardly anyone's idea of a good time. Of course, with the holidays just behind us, it's not the optimal time to spend a lot of money on home or automobile repairs, but title loans in St. Joseph and Kansas City can offer some relief.
Title Loans in Kansas City Can Help
Title loans in Kansas City from Midwest Title Loans range from $150 to $5,000, meaning that you can find a loan to cover just about any need. All it takes is a car with a lien-free title and a photo ID to get a title loan in Overland Park, St. Joseph, or Kansas City from Midwest Title Loans; no credit check is ever required!
Don't Start off the New Year on the Wrong Foot
When it comes to planning and budgeting for the new year, just knowing what's coming is half the battle. When you know what to expect, you can prepare your household budget accordingly. But no matter how well you prepare, life has a way of taking us all by surprise, so it's comforting to know that there are short-term loan options like title loans in Kansas City that can help provide relief when you're juggling post-holiday bills, tax-preparation fees, and any other expenses that may arise.
So whatever the reason you need quick cash this year, you can find it by contacting Midwest Title Loans in Kansas City, Overland Park, or St. Joseph. Want to make the process even faster? Get started now by filling out our Online Title Loan Information Sheet, so you can drive off with the cash you need in as few as 20 minutes!Read more
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