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After all, when you're tearing out walls, pulling up floors, or performing any other demolition, you may come across outdated or corroded plumbing, old wiring, worn insulation, crumbling drywall, cracked caulking, or moisture and mold that can all lead to higher out-of-pocket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
July 5, 2017
Look, we know that you love your car. In point of fact, when asked, most Americans said that they would rather give up their microwave oven, their home computer, or even their cell phone than their car! Part of that is because cars are an everyday necessity for most of us—they're how we get to and from work, school, the store, etc.—but a part of it is also that, for many Americans, owning a car is an important part of growing up, not to mention a symbol of freedom. That's why flex loans in Kansas City can help you keep your car while also getting you the quick cash you need in times of financial difficulty.
A car is more than just a tool that we use to get from point A to point B. It's a part of our identity, a way for us to strike out on our own, go places we've never been, and accomplish our life's goals. It tells people something about who we are and where we're at in life—whether that's mobile, single, successful, family-oriented, you name it. We take great pride in our cars, and with good reason, as they're a big part of how we live our lives every day.
Whatever kind of automobile you drive, whether it's a car, truck, or SUV, it's tough to give it up just because you've hit a financial roadblock. After all, without a car, getting to and from work is a lot more difficult, which makes paying off those expenses a whole lot harder. So, when cash is tight and expenses are greater than we can afford, the last thing we think of giving up is our transportation. But we need something to help us meet those expenses, and that's where a flex loan in Kansas City can help!
While a flex loan uses your lien-free vehicle as collateral, you don't have to give up your car while you're paying it back. In fact, when you bring in your vehicle with a lien-free title and a photo ID, you can drive away in your own car with the cash you need in as few as 20 minutes. Then, you keep your car while repaying the loan with our simple repayment plan, or borrow more cash if you need it without re-applying. Because flex loans in Kansas City work as a line of credit, you can borrow as much or as little as you need at a given moment, keep your car during repayment, and re-borrow as needed without any hassle. Plus, since your car's title is the collateral, there's no need for a credit check!
So if a flex loan in Kansas City sounds like the solution to your quick cash needs, just contact Midwest Title Loans in Kansas City or get started now by filling out our Online Title Loan Information Sheet!Read more
July 5, 2017
There's a widespread myth that short-term loans aren't available to those who have poor credit or even recent high school or college grads who may not have had time to build up credit yet. If you listen to people talk about credit, it can sound like it's the sole determining factor when it comes to getting loans. But while it's true that having bad credit or no credit may make finding the loans you want more challenging, there's a solution waiting in the form of a bad credit title loan.
Don't get us wrong. Having excellent credit can open a lot of doors. But the fact is that excellent credit is rarer than you may think. As it turns out, the average credit score for an individual in America is less than 700, meaning that more than half of all Americans have less than perfect credit. So what do those people do when they need cash in a hurry? For many of them, the answer is a bad credit title loan.
A title loan uses your car's lien-free title as collateral. What this means is that you can get a title loan ranging from $150 to $5,000 simply by bringing in your vehicle with a lien-free title as well as your photo ID. No credit checks are involved, which means that a bad credit title loan is available to just about everyone, no matter the state of your credit. Getting a bad credit title loan in Kansas City is simple. Along with supplying your car's lien-free title and a photo ID, you'll have to fill out a short form, and you can get approved for the cash you need and drive off in your own car in as few as twenty minutes.
So, if your credit has taken a few dings and dents over the years, or if you just haven't had a chance to build up good credit yet, you can still get the quick cash you need with a bad credit title loan in Kansas City. Not only that, but you get to keep your car and you can start building good credit with the payments that you make on your loan using the simple repayment schedule that you'll get from Midwest Title Loans.
Make no mistake—just about all of us have a need for quick cash at some time or another. Maybe you need a little extra to finance a family vacation this summer, repair the AC that went out on the hottest day of the year, or simply cover the bills on a month when your paycheck runs a little short. Whatever the case may be, you can get the cash you need regardless of your credit score with the help of a bad credit title loan from Midwest Title Loans in Kansas City! Get started today by stopping by one of our locations in KC, Overland Park, St. Joseph, or Gladstone, or fill out our Online Title Loan Information Sheet to make the process even quicker!Read more
July 5, 2017
These days especially, debt is nothing to be ashamed of. In fact, when you factor in things like mortgages, car payments, student loans, and credit cards, the average American household carries a considerable amount of debt, and the average overall household debt for American families has increased by about 10% in the last decade. Taking on debt is how most of us got to where we are today; it's how we pay for school, get a car to drive to work, and buy a home. But part of having debt is making regular payments on a month-to-month basis, something that has become a common part of life for many American families. Of course, if your paycheck comes up short one month, making those payments can be tricky, and that's where car title loans in Kansas City may just come in handy.
For most people, paying off debt isn't something that negatively impacts their home life. Rather than trying to pay large debts off in one lump sum, we all work and make payments every month in order to pay the debt off slowly and steadily with minimal impact to our quality of life, while also building better credit. Of course, the problem arises when something comes up that makes it difficult to make those monthly payments. Maybe an appliance breaks down, a kid is going back to school, or you just need a little extra this month to cover gas and groceries. Especially for those who are working with a fairly immovable budget, small inconveniences can turn into big problems when it comes to repaying debt.
The last thing you want to do is skip a payment. Not only does that sometimes accrue penalties and late fees, but it can also do damage to your credit score. So what do you do when you need quick cash and still need to make your monthly student loan payment? Car title loans in Kansas City are one solution!
Car title loans are a short-term loan option that is perfect for those who just need a few extra bucks to get through the month. Because there's no credit check, even individuals with bad credit or no credit can get car title loans in Kansas City, and you can drive away with the cash you need in under an hour. What's more, you can get car title loans in Kansas City for no more than the amount you need. At Midwest Title Loans, our loans range from $150 to $5,000, making them the perfect size to help cover a sudden emergency, shore up a short paycheck, or make a mortgage payment. All you need is your vehicle with a lien-free title and a photo ID, and you can get started by contacting Midwest Title Loans in Kansas City or filling out our Online Title Loan Information Sheet today!Read more
July 5, 2017
The family road trip is an American tradition, and June and July are some of the most popular months for big family vacations. After all, the kids are out of school, the weather is great, and there's no better time to hit the road, hit the beach, or hop on board a cruise. Besides, the summer months here in Kansas City can be scorchers, so it's often nice to get a break from the heat by heading somewhere with cool ocean breezes. However, with the rising costs of air travel, hotel rooms, and everything else, the great American summer vacation is starting to feel the pinch. Fortunately, short-term loans in Kansas City may be just what you're looking for to save your family vacation this summer!
Let's face it: when the family hits the road, your wallet takes a hit, too. Travel expenses add up. According to Travel and Leisure magazine, a family trip to Playa del Carmen, Mexico for a week could cost just over $1,900 per adult. Myrtle Beach, South Carolina runs even more, costing around $2,100 per adult. Want to fly the family over to see the sights in London, England for the summer? You're looking at almost $4,000 per adult. That's including things like airfare, a stay in a decent hotel, and a few restaurant meals, but it isn't taking into account things like the cost of boarding the pets while you're away, clothing you may need for the trip, passport fees, drinks at the hotel bar, and any souvenirs you might want to bring home.
Most families spend the whole year saving up for that big summer vacation, but things can happen throughout the rest of the year that chip away at that vacation budget. And when the big day finally comes, there may only be a difference of a few thousand dollars between that long road trip to Reno and someplace a little more thrilling. After all, a summer vacation is something that only comes around once a year, so why not make it something special with a little help from a short-term loan in Kansas City?
With loans available from anywhere between $150 and $5,000, there's bound to be a short-term loan in Kansas City that's perfect for your family's trip this summer, whether you're heading to Cancun or Disney World. However much you need to make sure that your family has a great time on their next summer vacation, you can get it with a short-term loan in Kansas City from Midwest Title Loans. Maybe best of all, at Midwest Title Loans in Kansas City, you don't need a credit check; just bring in a lien-free car title and your photo ID, and you can be in and out with the quick cash you need in no time. Ready to get started? Just stop by one of our convenient locations or fill out our Online Title Loan Information Sheet today!Read more
June 14, 2017
Let's face it: emergencies can happen at any time, but the summer months seem to bring with them their own set of unexpected expenses, whether that's stuff that you've been planning to take care of all winter and just haven't had the money to cover, or sudden things that crop up as a result of intense heat, summertime activities, or the summer storms that are so common here in Kansas City. So what's a parent or homeowner to do when something unexpected comes up and money is tight? Many jump online and Google "title loans near me" in order to get the quick cash they need to cover doctor visits, emergency repairs, and anything else that might crop up during the summer months.
So what drives a typical Kansas City family to search for "title loans near me?" Summertime means summer sports, and that means sporting equipment purchases, which can often get pretty expensive pretty fast, especially if you're trying to gear up all your kids for their summer activities. Family vacations, summer camping trips, and trips out of town for summer weddings can all add up. Summertime is also a great time for DIY projects around the house, or catching up on that to-do list that you've been putting off until the weather warmed up.
Then there are the unforeseen emergencies that can crop up during the summer months. Playing sports means a higher risk of sports-related injuries which can lead to trips to the emergency room or the doctor. Seasonal allergies may flare up, requiring more medication. Of course, your air conditioner is working overtime as the mercury climbs, so air conditioner repairs and even car breakdowns become more likely during the hot summer months. Not to mention that when you pull out that RV or boat for some summer fun—or that lawnmower for some less-fun summer yard work—you may find that it needs a tune-up, repair, or upgrade. Summer storms in Kansas City can also damage houses with rain, hail, and high winds, and fixing a roof or a few windows isn't cheap.
So those are some of the things that you might use a title loan in Kansas City for, but what makes someone turn to "title loans near me" instead of pursuing some other financing option to take care of summertime emergencies? The answer is simple. The typical title loan doesn't require a credit check because you use your car's lien-free title as collateral, meaning that it's a perfect alternative for those who need quick cash but don't have a perfect credit history. Because they don't require a credit check or a bunch of lengthy paperwork, title loans in Kansas City can also be processed in very little time, allowing you to the get the cash you need and then get back to your life without a lot of waiting around.
There are a lot of ways to get cash during the summer—taking a seasonal job, holding a garage sale, or encouraging your kids to start a lawn mowing business in the neighborhood—but for many families who need quick cash now in order to handle a summertime emergency, there are no better solutions than title loans, which come in amounts to suit your needs, ranging from $150 to $5,000. You don't need to search for "title loans near me," though. You've already found Midwest Title Loans in Kansas City, so just come down to one of our convenient locations in Overland Park, St. Joseph, or across the greater Kansas City area, or fill out our Online Title Loan Information Sheet to get started today, and you'll have the cash you need in no time!Read more
June 14, 2017
School is almost out for the summer! While the first official day of summer may still be a few weeks away (technically it's Tuesday, June 20), the warm weather probably has everyone thinking summertime thoughts. That means planning summer vacations and other warm-weather family events—from trips overseas to trips to Worlds of Fun or Oceans of Fun right here in Kansas City. But those trips don't always come cheap, and if you need a little extra cash for your next summer outing, a short-term loan may be just what the doctor ordered!
The family summer vacation is a time-honored tradition and something that many families look forward to all year long. There's nothing better than the excitement of doing something unique during the break between school years, and besides, you want to be sure that your kids have something memorable to say in their "what I did over my summer vacation" essays next September, right?
In fact, there are so many great family vacation destinations right here in the continental United States that it can be difficult to choose just one. A few of the top spots for family outings include the Grand Canyon, Niagara Falls, Walt Disney World, and Washington, DC. There are even travel destinations that are closer to home. Right here in Kansas City we have amusement parks, museums that kids will love, a world-class zoo, and a recently-opened aquarium. Go a little further afield and you can visit the Gateway Arch in St. Louis, or head out to Colorado Springs to see the sights.
Many families plan road trips that let them visit two or three different destinations, thereby maximizing their family vacation experience, while some families eschew the road trip entirely in favor of something a little more exotic. Maybe you've all been itching to take a cruise, or are planning a flight to Mexico or Europe for a week or two.
No matter where you're headed, you'll want to make sure you pack all the essentials that make a family road trip unforgettable! That means plenty of clothing for everyone on the trip, and of course don't forget swimsuits, hats, and sunglasses! If you're going to be out in the sun or are heading to the beach, sunscreen and beach towels are also a must! Plus, it's a good idea to make sure that the kids have something to keep them entertained in the car or on the flight. Long trips go much easier on everyone when there are plenty of movies, games, and apps on devices to keep everyone busy.
Of course, all that family fun isn't free, and for most families part of planning a family summer vacation is saving up the cash that you'll need for the trip. Even then, though, you may sometimes find yourself a little short on travel money to cover expenses—especially ones that crop up unexpectedly—no matter how carefully you've planned out your itinerary. That's where a short-term loan from Midwest Title Loans in Kansas City can save the day!
Because Midwest Title Loans doesn't need a credit check, just a lien-fee car title and a photo ID, you can get the cash you need for your trip in a hurry, and without a lot of hassle, in amounts ranging from $150 to $5,000. With convenient locations in Overland Park, St. Joseph, and across the Kansas City area, Midwest Title Loans can help you acquire a short-term loan for your next family vacation—or whatever else may come up this summer—without going out of your way. You can even get started before you come in by filling out our Online Title Loan Information Sheet to make the process go even faster!Read more