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Get a Car Title Loan for Quick Cash Before Payday

Get a Car Title Loan for Quick Cash Before Payday

Car Title Loan

Are you one of the many people in Kansas City that are living paycheck-to-paycheck?

These days, there are more Kansas City workers than ever who are living paycheck-to-paycheck. With rising expenses, housing costs, and beyond, it’s easy to see why it’s a growing problem in our society, and when you rely on your paychecks to meet all of your needs, you can run into issues, when unexpected expenses come up. Whether it’s medical bills for yourself, a family member, or a pet or you are just struggling to keep up with basic expenses, you need relief.

Luckily, there are options to turn to for short-term financial help, like Kansas City’s Midwest Title Loans. We can provide you with the money you need to cover your expenses, until your next paycheck, for very few requirements. Here’s how getting a title loan for quick cash works at Midwest Title Loans.

How to Get a Car Title Loan for Quick Cash at Midwest Title Loans Before Payday

1. Ensure you meet the minimum requirements

When you are thinking about getting a title loan at one of the Kansas City Midwest Title Loans locations, you’ll want to first make sure you meet our minimum requirements. Although there are just a few, it’s important that you have:

  • A lien-free title, which means your car is fully paid off
    • The title must be in your name and issued in Kansas or Missouri
    • The vehicle your lien-free title is for is driveable (it can be damaged)
  • A valid driver’s license or ID, showing you are 18 or older
  • Car insurance

If you meet these three requirements, you’re all set to get started applying for a title loan at Midwest Title Loans.

2. Fill out an application

After you’ve ensured that you can meet our minimum requirements for a title loan, you’ll want to get started filling out your application online. Unlike banks or credit unions, we don’t require a credit check as part of our application process. Therefore, we’ll ask for a little bit more information on your application, but we don’t need anything like paystubs or housing verification documents. Plus, you won’t see any credit pulls on your credit report, which can result in an unnecessary drop in score.

The information that is filled out on your application will help us understand your financial situation a bit more, so that we loan you the right amount. We don’t want you to be in over your head trying to pay back a larger amount than you can.

3. Bring in your car for inspection to your local Midwest Title Loans

Even though you can bring in your car for a free inspection anytime at any of our Kansas City Midwest Title Loans locations, the next step after you fill out your application is to come into our store in your car that the title is under. Don’t forget to also bring your required documents: your lien-free title, your photo ID or driver’s license, and your car insurance information.

Before we can determine how much money we can lend you, we’ll inspect your car to determine its value. This won’t take very long at all, and we’ll have one of our experts look into it. We’ll then decide on an amount between $150 and $5000 to lend you.

4. Review your title loan offer

Once we’ve reviewed your application, your required documents, and your vehicle, we’ll write your title loan offer up and review it with you, including the loan’s terms and conditions. If you choose to accept, we’ll write your check, in exchange for your lien-free title. We’ll only hold your title temporarily, while you pay back your loan. Then you’ll be on your way with the money you need in hand. Use it however you like and you’ll be covered until your next paycheck.

5. Pay back your title loan and get your title back

Since our title loans are short-term loans, we have short payback periods and an option for a renewal. Our loans are under a 60-day renewable contract at Midwest Title Loans. If you need to renew your loan to take more time to pay it off, you may be charged additional interest.

Once your loan is paid off, we’ll promptly give you your title back, along with a thanks for working with us. And if you are ever in need of quick cash before your next payday again, we’d love to help.

Get the Money You Need Now at Your Midwest Title Loans Location

When you have expenses to take care of before your next payday, there’s no reason to let them go uncovered. Get rid of the stress of your tough financial time with relief from Midwest Title Loans. We’d love to help you cover your financial expenses with a title loan, as soon as you need it.

If you’re ready to get started on your application, fill out an Online Info Sheet now! No matter where you’re at in the Kansas City metro area, we’d love to help you. We know you’ll love our quick process, friendly professionals, and our loans.

If you have any questions or want to talk to one of our team members, get in touch with us today! Talk to us by phone, through our contact form, or stop in at your nearby location!

Proudly Serving the Kansas City Metro with Car Title Loans

Midwest Title Loans loves that we can help Kansas City metro area customers with car title loans, in the areas of St. Joseph, Gladstone, North Kansas City, Kansas City, Grandview, Belton, Lee’s Summit, Raytown, Independence, Overland Park, Olathe, Lenexa, Shawnee, and beyond.

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Kansas City Car Title Loans 101

Kansas City Car Title Loans 101

 Kansas City Car Title Loans 101

If you’ve never gotten a car title loan in Kansas City before, you likely have a lot of questions on your mind. How is my title involved? Will my car be taken away? Do I need to have good credit?

Car title loans are a lot different than traditional loans and lines of credit, but they still serve the same purpose – giving you additional money, when you need it. Whether you have expensive home repairs, are having a hard time making ends meet due to a job loss or loss of income, or you had unforeseen expenses like medical or dental bills, we understand that you need money as soon as possible.

There are so many benefits to getting a car title loan, over traditional loans and lines of credit, like getting it much quicker, and you don’t have to have perfect credit to be approved. You only have a few requirements, and your loan is only for the short-term. Here’s the 411 on getting a car title loan in Kansas City.

Getting a Car Title Loan in Kansas City

1. Review loan requirements, terms, and process of the car title loan.

No matter where you’re getting a title loan, it’s important to review the title loan requirements, the terms, and the entire process of the car title loan. For example, at Midwest Title Loans, we have a few basic requirements, but most importantly, you’ll need a lien-free title. If you are unfamiliar with that phrase, it means that your title is free of liens and fully paid off. As long as you have a lien-free title in your name that is issued in Kansas or Missouri, you likely qualify for a title loan at one of our five Kansas City locations.

As far as terms go, at Midwest Title Loans, our title loans are under a 60-day renewable contract, so our car title loans are looked at as short-term loans to cover immediate expenses – not a long-term financial solution.

The process of a car title loan varies from one title loan provider to another, but it usually requires filling out an application, providing your lien-free title, and showing your car insurance information and photo ID.

2. Fill out an application

To start the car title loan process at Midwest Title Loans, which is similar to most title loan providers, you’ll want to fill out an application online. Our application requires you to fill out basic information like your housing, your job, references, and more. Since we don’t require a credit check, this helps us to determine your budget and repayment ability, which is important for us when deciding how much money to loan you. We don’t want to loan you more than you can pay us back for or more than you need.

3. Get the required documents

As with any loan, a car title loan requires a few documents in the application process. First and most importantly, your lien-free title. At Midwest Title Loans, we need it to be in your name and issued in Kansas or Missouri. On top of your lien-free title, we’ll need to see your:

  • Valid photo ID or driver’s license, showing that you are 18 or older
  • Car insurance information

That’s it! No pay stubs, lease agreements, utility bills, etc., like many banks and credit unions require to issue you a loan or line of credit. This is why our process is so simple, and our customers can get the money they need in as little as 20 minutes.

4. Bring your vehicle in for a check

When you are ready to get a car title loan, you’ll need to bring in your vehicle for an inspection, so that we can determine its value. It needs to be the vehicle that your lien-free title is for, and it needs to be driveable. One of our experts will take a few quick minutes to inspect your vehicle, which helps us decide how much money to loan you.

5. Review loan offer and terms

Once we’ve seen your required documents, reviewed your application, and inspected your vehicle, we’ll decide how much money we can give you. With one of our friendly customer service professionals, you will review your loan offer and terms. Our title loans at Midwest Title Loans are under 60-day renewable contracts, so that you can have an option to extend your repayment, if you need to. If you do need an extension, there will likely be additional interest to pay.

Once you accept your offer and terms, we’ll give you a check with your amount, in exchange for your lien-free title. We’ll only hold it temporarily.

6. Pay back and get your title back immediately

While your loan is still in repayment, we will keep your lien-free title. However, once you have paid off your debt, you’ll get your title back immediately. Don’t worry – we won’t keep it any longer.

Get Your Car Title Loan for Quick Cash Today at Any of Our Kansas City Locations

A title loan is the perfect choice for short-term financial help for people in Kansas City. No matter if you live in St. Joseph, Gladstone, Kansas City, or Overland Park, we have a location nearby that can help you get quick cash as soon as you need it. Start the process now by filling out an online application or stopping by your nearby Midwest Title Loans location for a free car inspection.

If you still have unanswered questions, our customer service representatives at any of our Kansas City Midwest Title Loans locations would love to talk to you by phone, through our website, or when you stop by. We are excited to get in touch with you!

Proudly Providing Car Title Loans to Kansas City Metro Customers

Midwest Title Loans is proud to provide Kansas City metro area customers with quick cash title loans, in the areas of St. Joseph, Gladstone, North Kansas City, Kansas City, Grandview, Belton, Lee’s Summit, Raytown, Independence, Overland Park, Olathe, Lenexa, Shawnee, and the surrounding cities.

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How Flex Loans Can Help with House Repairs

How Flex Loans Can Help with House Repairs

How Flex Loans Can Help with House Repairs

Are you in over your head with house repairs? Maybe it’s just one big repair that is out of your budget but needs to get fixed. Maybe the repairs just keep piling up. Either way, you need money to get your house repairs taken care of.

House repairs come in all shapes and sizes, and they can easily drain your savings and completely ruin your budget. However, your entire savings can’t go to your home – you have other needs to take care of.

When you need money to ease your stress from home repairs and help you continue to keep up with your monthly expenses, there are a lot of options for you from banks, credit unions, title loan providers, and payday loan providers. Which one should you choose?

At Midwest Title Loans in Kansas City, our best option for help with your home repair expenses is our flex loan. Flex loans are just like title loans, in that your main qualification is having a lien-free title, but instead of paying it back in a very short term, you are able to keep the flex loan as a line of credit to be used whenever you need it. This is perfect for Kansas City homeowners, and here’s why:

4 Ways Flex Loans Can Help with Your Kansas City Home Repairs

1. Helps with immediate repairs

When you get a flex loan from Kansas City’s Midwest Title Loans, you are able to get your money immediately. Unlike the waiting period and approval process at a bank or credit union, Midwest Title Loans can get you your money within a day and in as little as 20 minutes. Our simple process only has a few requirements, which are:

  • You own a lien-free title
  • The car that your lien-free title is for is driveable
  • You are 18 or older and have a valid photo ID or driver’s license
  • Your car is insured
  • You have filled out an online application

So if you have a home repair that needs to be taken care of immediately, it’s easy to see why coming to one of our five Midwest Title Loans locations in Kansas City for a flex loan is a perfect choice for you.

2. Keep it open for repairs in the future

When you get a flex loan at Kansas City’s Midwest Title Loans, you not only can take care of immediate repairs as soon as you need to, you can also keep your line open for repairs in the future. Whether you have a foreseeable home repair that you could use it for once your current repair is paid off or you want to use it as a safety net in case an emergency repair comes up later on, a flex loan is flexible for you and your home repair funds.

When you have a house, home repairs like roofs, siding, and more can cost thousands of dollars that you may not have in savings. And they can come up at any time – especially during storm season in Kansas City. When you have your flex loan from Midwest Title Loans, you won’t have to worry about coming up with all of the money for a vital repair. Whether you use it as partial payment or fully pay for your repair, you can be free of the stress of not being prepared for the unthinkable.

3. Your credit is not involved

One of the best parts about getting a flex loan from Midwest Title Loans is that it is extremely simple to get. There are no credit checks, no background checks, no extensive income or housing verification, and beyond. It can be a pain in the butt to get the money you need from a bank or credit union, and Midwest Title Loans proves that it can be much simpler.

When you have a lien-free title that is in your name, issued in Kansas or Missouri, along with a driveable vehicle, you will likely be able to get a flex loan. When you fill out an application, come into one of our five Kansas City locations, let us inspect your vehicle, show us your supporting documents, you will be able to get a flex loan that is perfect for you.

4. Flexible interest and terms

When you get a flex loan from one of our five Kansas City Midwest Title Loans locations, it is truly flexible to your needs. You can keep it open for however long you like, and you only pay interest on what you spend. Unlike many credit lines, you won’t pay a yearly fee just to keep it open. If you want to keep it open for a couple months while a few of your repairs are being completed, you can do that. If you want to keep it open for a year, two years, or more, you can. Whatever you need to do with your flex loan, you can do. It is here to help you with your home repairs, however you see fit.

Get a Flex Loan Now to Cover Your Home Repairs Immediately

If you have a home repair that needs to be taken care of immediately, look no further than a flex loan from Midwest Title Loans. As long as you meet the basic requirements, one of our five Kansas City locations can get you your flex loan today! Start by filling out our application online or bringing your car by your nearby Midwest Title Loans store.

Still have questions or want to get more information? We’d love to chat with you about our flex loans. Get in touch with your nearby Kansas City Midwest Title Loans location by phone, through our contact form on our website, or stopping by. We look forward to helping you!

Proudly Providing Flex Loans to Customers in the Kansas City Metro Area

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

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4 Tips for Finding the Right Title Loan Near You

4 Tips for Finding the Right Title Loan Near You

4 Tips for Finding the Right Title Loan Near You

Looking for a title loan near me that fits your unique situation? No matter what brought you to searching for a title loan, you need a title loan that is the right fit for you.

Whether you’re dealing with past credit problems or are looking for a title loan provider that can get you the money you need on the same day that apply, the right fit for a car title loan is here for you in KC.

When you’re ready to find the perfect title loan for you, use these four tips to help speed up the process and make sure you get exactly what you need.

4 Tips for Finding the Right Title Loan Near You in Kansas City

1. Find out how long it takes to get your title loan

A major difference between getting a traditional loan or line of credit and getting a title loan is the amount of time it takes to get your loan. Typically, car title loan providers can get you the loan much quicker than if you were to go to a bank or credit union for a traditional loan. Either way, you’ll want to make sure that the car title loan provider can get you your title loan when you need it: whether it be within a few days or a few hours.

At Midwest Title Loans of Kansas City, our five KC metro area locations are here to serve you with a car title loan as quickly as you need it. Our customers can get a car title loan in as little as 20 minutes and definitely on the same day that you apply. Many of our customers have bills that need to be paid immediately and don’t want to wait very long to get their money. We’re happy to be able to provide a car title loan to qualified customers within a day or hours.

2. Review the application process

To get a car title loan at any of the providers across Kansas City, you’ll want to thoroughly review the application process to ensure you meet the minimum qualifications, in addition to ensuring that the application timeline meets your needs. The most important part of the application process for a car title loan in Kansas City is having a lien-free title. If you aren’t sure, a lien-free title shows that your car is fully paid off. When you get a title loan, you’ll get the money in exchange for your lien-free title, which will be held by the title loan company until you pay it off completely.

In addition to having a lien-free title, you’ll only need a few other things. For example, at Midwest Title Loans’ five Kansas City locations, you’ll need:

  • A valid photo ID or driver’s license, showing that you are 18 or older
  • Active car insurance
  • A driveable vehicle - it can be damaged, but it needs to be driveable
  • A filled out application

From there, we are able to review your application, your vehicle, and your supporting documents to decide the car title loan amount we can provide to you, on the same day that you apply.

3. Check that you’ll get the right loan amount

A big difference between a car title loan provider and a traditional loan or line of credit is that the amount of money you can get is a bit smaller, but our customers don’t typically need any more than we offer. A car title loan is intended to be a short-term loan, instead of one that you’ll be paying off for years to come, like at a bank or credit union.

At Midwest Title Loans, we determine the loan amount by your car’s value and your application, which helps us understand your repayment ability and your budget. We loan our customers between $150 and $5000. While you could get more at a bank or credit union, it usually isn’t in the customers’ best interest to be paying so much interest on such a large amount of money, anyhow. By lending small amounts to be paid back in a short amount of time, we reduce our customers’ additional interest paid, and it’s in their best interest.

4. Check into how credit plays into the process

If you have damaged credit, no credit, or average credit, you may run into some issues, when applying for loans or lines of credit. It’s important to check into how your credit will be used, when you’re looking into any loan. While banks and credit unions will certainly use your credit to determine your approval and amount of money provided, title loan providers typically do not. Car title loans are held liable by the car title loan provided, while the loan is being paid off.

Even though it is typically not included in the application process, that doesn’t mean that you shouldn’t ensure that a credit or background check will be run, when you apply for a car title loan. If you do have less than perfect credit, you’ll be able to find a car title loan provider that doesn’t check credit, like Midwest Title Loans.

Get a Great Title Loan at Your Trusted Local Kansas City Title Loan Lender

Whether you live in Olathe, Overland Park, Kansas City, or St. Joseph, Midwest Title Loans has a title loan location near you. Get started with your title loan today by filling out our application online or bringing your car by for a free inspection to determine its worth. You’ll love our quick and easy process, so you can get the money you need as soon as you need it.

If you have a question for one of our customer service representatives or want more information about us, get in touch with your nearest Kansas City Midwest Title Loans location by phone, through the website, or by stopping in one of our locations. We look forward to helping you with your financial needs!

Proudly Providing Car Title Loans to the Entire Kansas City Metro Area

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

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Get a Title Loan with No Credit at All of Our Kansas City Metro Locations

Get a Title Loan with No Credit at All of Our Kansas City Metro Locations

Get a Title Loan with No Credit at All of Our Kansas City Metro Locations

When you don’t have any credit, you can run into some roadblocks when trying to get outside help for financing. And when you are in a desperate situation, it can be frustrating, stressful, and time-consuming trying to figure out what to do.

With most loans and lines of credit, credit checks are required, and not many banks or credit unions will approve you, if you don’t at least have good credit. If you have no credit, you definitely won’t get approved. Many times, good credit doesn’t even cut it – you have to have great credit.

Whether you’ve had past credit troubles or have no credit at all, you need a loan provider that doesn’t require credit checks to loan you the money you need. That’s where Midwest Title Loans comes in. We serve Kansas City with no credit check title loans, everywhere from Kansas City to Gladstone, Overland Park, and St. Joseph. The process to get a title loan is simple and easy at Midwest Title Loans. Here’s how you can get a title loan with no credit at any of our Kansas City area locations.

What You Need to Do to Get a Title Loan with No Credit at Kansas City’s Midwest Title Loans

You need a lien-free title.

Owning a lien-free title is an essential component of getting a title loan with no credit at Midwest Title Loans in Kansas City, Gladstone, Overland Park, and St. Joseph. Your title is what we’ll temporarily keep, while your loan is still in repayment. Of course after your loan is paid off, you’ll promptly get your title back. If your aren’t familiar with the term, a lien-free title is one that shows that your car has been fully paid off.

Your lien-free title needs to meet a few other qualifications, other than being without debt. Your title needs to also be in your name and issued in Kansas or Missouri.

Your lien-free title’s vehicle needs to be driveable and insured.

The car that your lien-free title is for needs to be driveable. It can be damaged somewhat or even significantly, but as long as it’s driveable, you still qualify for a title loan at Midwest Title Loans. We’ll need you to drive this car over to one of our five Kansas City locations in Gladstone, Kansas City, St. Joseph, or Overland Park, because we’ll need to inspect it. When we inspect it, we’ll determine its value, which helps us decide how much money we will loan you.

In addition, your car needs to be insured. We’ll also need you to bring your car’s up-to-date insurance information, when you come in your nearest Midwest Title Loans location to get your money.

You are 18 or older.

In order to get a title loan at any of the Midwest Title Loans locations in Kansas City, Gladstone, St. Joseph, and Overland Park, you’ll need to be 18 or older, and in order for us to verify that, we’ll need you to bring your photo ID or driver’s license with you, when you come in to get your title loan.

You need to fill out an online application.

In addition to your lien-free title, driveable car, photo ID, and insurance information, you’ll need to fill out an application with us. With our online application, you can fill it out in the comfort of your home. We ask you for basic information, including your name, address, housing information, employment information, and beyond. This helps us to determine your loan needs and your repayment ability, since there is no credit check for our title loans.

Drive your car and your supporting documents to your nearest Kansas City Midwest Title Loans location.

Once you’re ready to move forward on getting a title loan at Midwest Title Loans, you’ll simply need to drive your car and bring your documents to the closest Kansas City Midwest Title Loans location. Whether you live in Overland Park, Olathe, Kansas City, Gladstone, St. Joseph, or somewhere else within the Kansas City metro area, we have a location near you.

Once you’re here, we will quickly inspect your car and determine the amount of money we can give you. Once that is complete, we’ll write up a loan offer for you. It’s as simple as that. Since there are no credit checks on our title loans, you don’t need to wait around for us to thoroughly check and analyze your credit, like you would in many other cases.

Discuss your loan offer and its terms and conditions with us, then accept.

When we’ve determined the amount of money we will loan you, we’ll discuss the loan and its terms and conditions with you. Our loans are under 60-day renewable contracts, and you can choose to renew, if you need more time. This will likely result in additional interest. Since our loans are short-term, you won’t ever have to pay an excessive amount of interest.

Once you’ve accepted the offer and the terms and conditions, you’ll get your check, in exchange for your lien-free title. We’ll keep your title, until your loan is paid off in full. Then, you can use your money however you please – pay bills, get the necessities at the store, pay your mortgage or rent, and beyond. We’re happy that we can help take the financial strain off of you for a short period of time, and you can get back in a good place financially.

Pay back your loan within the loan term or request to renew the loan for an extension.

Since we keep your loan term short, it’s easy to pay back, so you can get your title back quickly. We do have an option for you to renew with additional interest to pay, but overall, you will pay less interest than long-term loans and lines of credit, which helps you get back on your feet quicker. Once your loan is paid off in full, you’ll get your title back immediately.

Get Your No Credit Check Title Loan at Midwest Title Loans Today

From Overland Park to Kansas City, Gladstone, and St. Joseph, our Midwest Title Loans stores are ready to help you get the money you need as soon as you need it. No waiting around for background checks, credit analyses, and extensive document checks, like at many banks and credit unions. Our no credit check process is simple and quick, so you can get out of your financial stress quickly.

Get started on your title loan by filling out online application, and we’ll be able to get you the money you need, as soon as you need it. If you have a question or want more information, stop by the location nearest you, send us a message, or call us today! We are excited to help you with your financial needs.

Proudly Serving the Kansas City Metro Area

Midwest Title Loans proudly provides no credit check title loans to the Kansas City metro area, to customers in St. Joseph, Gladstone, North Kansas City, Kansas City, Grandview, Belton, Lee’s Summit, Raytown, Independence, Overland Park, Olathe, Lenexa, Shawnee, and the surrounding areas.

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6 Common Questions Customers Have When Choosing a Title Loan Near Me

6 Common Questions Customers Have When Choosing a Title Loan Near Me

6 Common Questions Customers Have When Choosing a Title Loan Near Me

People search for title loans near me in Kansas City all the time. Sometimes, they are considering title loans after reading about the benefits of them in an article or through a friend. Sometimes, they are just curious what title loans are all about.

Whatever the case for searching for title loans near me on your phone or computer, Midwest Title Loans is a top provider of title loans to the Kansas City area. We’ve gotten every question you could ever think of, when customers are curious about title loans and whether or not they are right for them.

There are many differences between traditional loans and title loans, and there are many assumptions about what you need to get a title loan and how it works. Here’s six of our most common questions that customers ask at our five Kansas City Midwest Title Loans locations.

6 Common Questions About Title Loans at Midwest Title Loans in Kansas City

How is my title involved, when getting a title loan?

Your title is an important part of getting a title loan at a Midwest Title Loans location near you. Without your title, we cannot offer you a loan or provide the quick cash you need. Also, your title has to meet a couple qualifications for you to qualify for a loan at Midwest Title Loans in Kansas City.

First, it needs to be lien-free. A lien-free title is one that is debt-free, which means your car is fully paid off. Second, it needs to be under your name. Third, it needs to be issued in Kansas or Missouri.

If you meet all of these qualifications, you’ll need to bring your title with you to Midwest Title Loans, when you come to get your loan. After we’ve approved you for your loan, we’ll exchange your offer check for your title. We’ll temporarily keep your title, while your loan is still in repayment. After it’s completely paid off, which usually takes a month or two, you’ll get your title back, along with a thanks.

How is my car involved with getting a title loan?

Since your title is an important part of getting a title loan at a Midwest Title Loans location near you, you’re probably wondering what role your car plays in the process. First, your car that your lien-free title is for needs to be driveable. It can be wrecked or damaged, but as long as you can drive it, you are qualified for a title loan. We’ll need you to drive your car over to your nearest Midwest Title Loans location, and we’ll inspect your car to determine its worth, which helps us decide on an amount to loan you. Beyond that, we don’t need your car for anything.

We won’t keep your car for any extended amount of time, and you can also get it inspected for free at any time at the Midwest Title Loans location near you to get an idea of how much money you qualify for. Once we’ve given you your title loan check, you’ll drive off and use your money however you want.

What documents do I need to provide, in order to get a title loan?

First, you’ll need to have your lien-free title, as mentioned above. Next you’ll need a form of ID to prove you’re over 18 and your current car insurance information. Lastly, you’ll need to fill out an online application, which asks for basic information about yourself to help us determine your needs and repayment ability.

Are title loans short-term or long-term loans?

Title loans are not like traditional loans, in that they are short-term loans, which means we have a short repayment period with an option to renew for a bit longer, if you need. From the beginning, you have the expectation to pay your title loan back quickly, so that it only helps you cover a short gap in your finances, when you’re experiencing a crisis or unexpected tough financial time.

Short-term loans are also typically in smaller amounts than long-term loans, so it’s easier to pay back. We want to help you cover your finances, while you get back on your feet. Sometimes, long-term loans can be a burden, and you end up paying much more with all the interest you rack up over time.

How quickly can I get a title loan?

One of the best benefits of getting a title loan over traditional loans and lines of credit that you get at banks and credit unions is that our process is extremely quick. Instead of taking days or weeks to get approved and get the money you need, you can get the money you need on the same day you apply. Our process can even take as little as 20 minutes.

We’ll need you to start by filling out our online application. Gather your lien-free title, car insurance information, and your photo ID and drive your car your lien-free title is for over to your nearest Midwest Title Loans location in Kansas City to get inspected. Then, we’ll make you an offer, based on your car’s value and repayment ability. It’s that simple!

Do I need to have good credit?

Even though good or great credit is an important part of getting a loan or line of credit the traditional way, it’s not necessary at Midwest Title Loans. We don’t do any credit or background checks, so we will not even know what your credit score is. We base our decision to approve you for a loan on other factors, like having a lien-free title and the information you fill out on your application.

Our customers love that their credit isn’t included in the decision making process, because when you’re in the midst of a financial problem, your credit score may likely be suffering too. We want to help you get out of your tough financial situation and back on your feet, regardless of your credit score.

Get a Title Loan at a Midwest Title Loans Location Near You Today

Ready to get the money you need now? It’s easy to see why a title loan is the best choice for short-term financial help, and we’d love to help you get your money quickly at any of our Midwest Title Loans locations in Kansas City, Gladstone, St. Joseph, and Overland Park. No matter where you live in the Kansas City metro area, we have a Midwest Title Loans location near you.

Have a question or want to talk to one of our customer service representatives? Come by a store, send us a message, or call your nearest location today! We look forward to talking to you.

Proudly Serving the Kansas City Metro Area

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

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5 Benefits of Choosing a Short-Term Loan for Tough Financial Situations

5 Benefits of Choosing a Short-Term Loan for Tough Financial Situations

5 Benefits of Choosing a Short-Term Loan for Tough Financial Situations

When you’re in a financial pickle, it can be really stressful. You have bills that are overdue and may even be in collections. And there isn’t enough money to cover your needs – perhaps even your rent or mortgage.

People get in tough financial situations, due to many different reasons, but a lot of times, it’s after a job loss. When times are tough and you need some extra financial help, you need to find a lender that works for your unique situation. There are lots of lenders in the Kansas City area that you can turn to. If you didn’t know it already, a title loan lender like Midwest Title Loans is a great choice for getting a loan that is only for a short-term.

Short-term loans are a great option for anyone in a tough financial situation, and they are really the ideal choice. There are so many benefits to choosing a short-term loan, like a title loan at Midwest Title Loans in Kansas City, over other loan types. Here are five of our top benefits.

5 Benefits of Choosing a Short-Term Loan for Your Financial Needs

It covers you for a short gap in your finances.

Many times, our customers come to us in the midst of a financial crisis, like a sudden job loss, and they need temporary help getting back on their feet. A title loan is only a short-term loan, so it can help pay the bills, while you get a new job or find a new source of income. It’s not meant to be a long-term solution, like many loans and lines of credit tend to be looked at as. It’s just here to keep you afloat and de-stressed. It helps ease the pain of having late bills or unmet needs, so you don’t have to lose sleep at night, during a rough financial patch.

You don’t have to wait weeks to get your money and get approved.

So many times when applying for loans, you expect the process to take several days or even weeks to fully complete. From excessive document checks to credit and background checks, major banks and credit unions can take forever to get you approved. On top of that, it can take even longer to get the money you need.

Nobody has that kind of time, and you especially don’t, when bills are overdue. You need the extra financing now, and that’s what a short-term loan like a title loan can help with immediately.

We don’t require a lot of documents or a credit check.

Our process is simple and quick, because we don’t have a ton of required documents, like pay stubs, W-2s, housing verification, and beyond. These documents can take time to gather together to send, when applying for many traditional loans and lines of credit, and they take even longer to get reviewed. Plus, we don’t required any credit checks, which can even damage your credit negatively, if they are a hard credit pull.

Short-term loans like title loans at Midwest Title Loans in Kansas City only require a few things. The most important thing you’ll need to get for a title loan at Midwest Title Loans is a lien-free title, which is one that is free of any debt or liens. If your car is completely paid off, you have a lien-free title, and you can get a title loan with us. We also require that you are 18 or older and can show us a form of ID to prove that. In addition, we require car insurance verification and that your car that your lien-free title is for is driveable. Lastly, you’ll need to complete an online application with us.

You’ll pay less interest.

When you have a loan out for a long period of time, like traditional loans or lines of credit, it’s easy to rack up a lot of interest, without even realizing it. Since short-term loans are only for a short-term, you don’t have to pay as much interest. This saves you money in the long-term and is easier to pay back.

It’s easier to pay back.

Since short-term loans are typically in smaller amounts than a traditional loan or line of credit, it is easier to pay back. From the beginning, the expectations are set that you’ll have 60 days to pay back your title loan and get your title back. We do have an option to renew the loan for additional time and interest paid, but most of our customers are still able pay the loan back quickly.

When we offer you your title loan, we take into account your repayment ability and your car’s worth, and we want to make sure it’s easy for you to pay back. That’s why we ask for a lot of information about your current job and housing on your application, without the need for any additional documents for verification.

Get Started on Your Short-Term Loan Application at Midwest Title Loans Location Now

It’s easy to see why a short-term title loan at Midwest Title Loans is the perfect option to help you get back on your feet. You don’t need to wait around to get approved and get the money you need. Start your application now by filling out our Online Info Sheet, and we’ll get you the money you need as quick as possible.

Whether you live in Gladstone, Kansas City, St. Joseph, or Overland Park, our Midwest Title Loans locations are ready to help you with your financial needs. If you have any questions or want to talk to one of our friendly professionals, contact your nearest Kansas City Midwest Title Loans location by phone, through our website, or by stopping by. We look forward to meeting with you!

Proudly Providing Short-Term Title Loans to the Kansas City Metro Area

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

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

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

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

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

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

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

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

Easy to pay back

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

Smaller loan amounts

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

They don’t affect your credit like a traditional loan

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

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

Don’t keep your title

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

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

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

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

Proudly Serving the Kansas City Metro Area

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

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How a Flex Loan Can Help with Your Home Repairs

How a Flex Loan Can Help with Your Home Repairs

How a Flex Loan Can Help with Your Home Repairs

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

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

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

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

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

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

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

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

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

There are very few requirements.

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

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

Pay for immediate repairs instantly.

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

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

How to Get a Flex Loan at Midwest Title Loans

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

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

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

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

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

Proudly Serving the Kansas City Metro Area

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

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When Should I Get a Car Title Loan?

When Should I Get a Car Title Loan?

When Should I Get a Car Title Loan?

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

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

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

You have bills piling up and you need money now.

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

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

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

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

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

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

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

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

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

How to Get a Car Title Loan at Midwest Title Loans

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

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

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

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

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

Proudly Serving the Kansas City Metro Area

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

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OUR LOCATIONS

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

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

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

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

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