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Use a Title Loan to Help with House Repairs this Spring

increase credit score with title loans

The warmth of spring is often a relief to those who hate the winter. But for homeowners, spring can also play host to an array of issues that arise from melting snow, ground thaw, and the throes of winter storms. The average homeowner spends over $400 a month in repairs, but that cost can be even higher after the harshest season of them all. For some homeowners, significant repairs can come as a shock and leave them feeling optionless as they scramble to find the funding to make those repairs. For those homeowners who have immediate maintenance, or for those who might not have good enough credit to take out a loan from a bank or other financial institution, a title loan might help.

A title loan is a small loan lent to auto owners that is worth the determined value of their car. To receive the money for their vehicle, the owner brings in their vehicle, fills out a few forms to determine their eligibility, and then leaves with a loan for the value of their vehicle. The best part about title loans is that most people can receive them within the same day and they can receive them even if their credit is poor.

This spring, if you’re in a pinch, consider a title loan to make those needed house repairs. Not sure how you might use your title loan? Here are some common ways in which Midwest Title Loans customers use their title loans for home repairs.

Check Out Some Great Repairs Title Loans Can Help With

Replace (or Fix) Your Broken Fence

Depending on the type of material and the way it is maintained, a fence should last anywhere from 25-50 years. The cost to initially install a fence around the average American home can be in the thousands. This cost grows exponentially for farm or ranch owners who must cover multiple acres. While the best time to install a fence is usually the summer, maintenance can and should be done after long winters. This will ensure that the investment made to your property lasts for years to come.

Repair Broken Windows

Windows are often a normal fix after winter snow plows come through and kick up rocks into windows or inclement weather sends a branch or other heavy object through the panes. But even if no dramatic damage happens to windows, winter is usually the time that people notice their windows need replacing because of drafts. Spring is a great time to replace windows because drafts still exist but are countered by days of warmth. Pick a warm day to replace your drafty or broken windows, and you’ll notice the difference as the cold lingers for the next few weeks. A title loan can help spread out window replacement payments, so they aren’t making a massive dent in your wallet all up front.

Clean Out Your Gutters

There are many different reasons why gutters need to be cleaned out yearly. The spring is a great time to do this, as many leaves from the fall stick around until the first big winter storm and get caught in the gutters. Additionally, all the ice and snow that was once on your roof will begin to melt. Without proper drainage, it’s possible to cause severe water damage to your home. Additionally, moisture in and around your house combined with yard debris can be a breeding ground for mold, mites, and other unsavory critters that could cause an even bigger maintenance headache. Gutter cleanings can cost a few hundred dollars to do professionally, and while the average person might not have that saved for a rainy day, it is something a title loan can handle.

Conquer Pests Inside and Outside Your Home

With warmer weather also comes one unwelcome return – the return of pests. While there is only so much you can do to prevent outdoor pests from wreaking havoc on your garden and your skin, there’s a lot you can do to prevent the indoors from becoming hospitable to unwanted critters like roaches, ants, and termites. Hiring an exterminator or house treatment is one way to protect your house as spring rolls around. Additionally, utilizing a landscaper to treat your lawn and pick up any lingering debris that could be harboring pests is a great way to keep pests at bay additionally. They love to pop up in the spring when it is moist and warm, so it is best to deal with them before they become an issue.

Repair Your Roof

Your roof is essentially what holds your whole house together, and therefore it is best to keep it at its best. However, reshingling alone can cost thousands of dollars, and when that is paired with any other repairs that must happen to the actual roof structure, many families face a financial shortfall when it comes time to repair or replace a roof. Having the additional padding available from a title loan is a great way to keep your family safe, secure, and under one roof.

Fix Your Car or Get it Summer Ready

Winter also takes a toll on cars, so often when spring comes around, so do car troubles. This comes from the damage that salting icy roads takes on cars, the change in humidity, and rust that begins to show up as the air becomes more humid. Although few people think about this, title loans may also be used to fix issues with cars. In the spring, when minor problems start to pop up, it is worth every car owner’s while to get on the more significant issues while they are young.

Clean Out Your Central Air

You’re probably not thinking about your air conditioner right now, but we assure you that you will be within the near future. Those with central air units should consider cleaning their units out when they don’t need to run them consistently. Central air units should be cleaned at least twice a year, and it’s best to do it in fall and spring when you don’t need to rely on central heating or air for keeping your living space tolerable.

If you’re thinking about taking out a title loan for a home repair this spring, visit one of our locations in Overland Park or Kansas City, Kansas or St. Joseph, Gladstone, or Kansas City Missouri. One of our knowledgeable loan agents will help you get the financial assistance you need. Fill out our online info sheet for a quicker in-store experience.


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330 W. 85th Street
Kansas City, MO 64114
Phone: (816) 363-8600
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Sa: 8:00am – 1:00pm

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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Sa: 9:00am – 2:00pm

2500 State Ave.
Kansas City, KS 66102
Phone: (913) 281-9997
M-F: 10:00am – 6:00pm
Sa: 9:00am – 2:00pm