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Get Help Paying For Gifts With A Title Loan


The Christmas season is quickly approaching, and many people in Kansas, Gladstone, and St. Joseph are wondering how they will pay for gifts. We all want to give our friends and family great presents, but many people are also wondering how they will pay for it. It can be frustrating to see the perfect gifts for your loved ones, and not have enough money to buy them in time for December 25.

That is where car title loans can be a lifesaver. Car title loans are poor credit loan options that can help you buy the gifts that you want to buy for your loved ones this Christmas season.

Title Loan in Kansas City

Car title loans are easy to acquire, and in many cases you just require some mandatory paperwork before you get the funds that they need. Car title loans can be a quick, easy, and painless way to fund the Christmas you want to have.

Is Getting a Title Loan Easy?

Getting a car title loan at Midwest Title Loans in Kansas City near Gladstone and St. Joseph is easy because the requirements to receive one usually only involve showing ownership of a car and some documentation that you should already have readily available.

The first qualification is that you need to own your car outright. Anyone who wants a car title loan will also need to prove their identity, so you will need a photo ID, your car title, proof that you currently have the vehicle in your possession, pay stubs from work that confirm if the loan can be repaid, name and address information, and in some cases a copy of the vehicle’s keys. Sometimes you must physically bring your vehicle so that the condition of the vehicle can be confirmed. These requirements are necessary in order to avoid fraud and abuse.

Although the name of the loan is a car title loan, you do not have to have a car in a literal sense. Some lenders will accept other vehicles such as trucks and motorcycles as well.

If you have a vehicle and standard documentation, receiving a car title loan at Midwest Title Loans near Overland Park, KS is an easy process.

How Quickly Can I Get Money Through a Title Loan?

Many people need to access the money as soon as possible, and the speed of access to capital via car title loans is an attractive feature. With the holiday season rapidly approaching, many people do not have the time to wait weeks in order to be approved for a loan, which makes a car title loan a very good option.

Midwest Title Loans offer approval for a car title loan in thirty minutes or less, and at the most it usually only takes twenty-four hours to receive approval for a car title loan.

Traditional loans, on the other hand, usually require background checks, and credit scores are often highly scrutinized, but with a car title loan an individual can speed up the process because excellent credit is not a requirement.

If you see a gift that you want the week before Christmas you can get approved for a car title loan right away in many cases, compared to waiting weeks or months to get a loan at a traditional bank.

Another thing that makes the process quick is that a lender usually has to look at your vehicle to estimate the value of it, but with modern tools such as Kelley Blue Book, it is extremely easy to find out what the estimated value of your vehicle truly is.

A car title loan will usually be up to 25-50% the value of the vehicle, so there is an opportunity to gain access to an attractive amount of capital within an extremely fast timespan if you need to find that perfect Christmas gift now.

It is easy to see that if you need a loan quickly this Christmas season, a car title loan has many features that make the process faster and simpler.

Short-Term and Flexible Loans

People may want to get their loved ones the perfect gifts, but they don’t want debt hanging over their heads for weeks, months, and years. This is another area in which a car title loan comes in handy.

Car title loans are usually extremely short-term, so people don’t have to worry about Christmas season debt looming over their heads for years on end. Most car title loans are set to terms ranging from fifteen days to thirty days. This means that if you want to buy the perfect television, laptop, or gaming system for your loved ones, you won’t be saddled with debt for a long period.

Repayment options can also be extremely flexible. Many lenders that offer car title loans allow you to pay in person, online, or through the mail. This means that if you get a car title loan online and cannot drive to Gladstone, Overland Park, or Kansas City, you still have a way to make your payments on time in order to avoid penalties. Instead of worrying about which method people will use to repay, you have the flexibility to pay in a way that suits you best.

Another flexible feature of a car title loan is the potential for rollover agreements. Some lenders allow you to roll over your payment into the next month if you do not have enough money to pay the loan back at the end of a fifteen to thirty-day period. This means that if you must get the gift now but may not be able to repay it in a thirty-day period, you have the flexibility to take another loan to pay off the total amount due within a sixty-day period.

It is clear that car title loans allow consumers to have the flexibility to pay off their debt how they want to, and when they are able to. Contact Midwest Title Loans in Kansas City and Missouri for more information.


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330 W. 85th Street
Kansas City, MO 64114
Phone: (816) 363-8600
M-F: 10:00am – 6:00pm
Sa: 8:00am – 1:00pm

6420 North Oak Trfwy
Gladstone, MO 64118
Phone: (816) 436-7711
M-F: 10:00am – 6:00pm
Sa: 9:00am – 2:00pm

8212 Metcalf Ave.
Overland Park, KS 66204
Phone: (913) 381-2222
M-F: 10:00am – 6:00pm
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