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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

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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330 W. 85th Street
Kansas City, MO 64114
Phone: (816) 363-8600
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6420 North Oak Trfwy
Gladstone, MO 64118
Phone: (816) 436-7711
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8212 Metcalf Ave.
Overland Park, KS 66204
Phone: (913) 381-2222
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2500 State Ave.
Kansas City, KS 66102
Phone: (913) 281-9997
M-F: 10:00am – 6:00pm
Sa: 9:00am – 2:00pm