Let me first start by providing some statistics that will give one a glimpse of the state of the economy in Missouri. From the beginning of 2009 through the end of June, the unemployment rate in Missouri has jumped 1.2% (Bureau of Labor Statistics). The rise from 8.1% to 9.3% is staggering and signs only point to this number increasing. In St. Louis alone, the unemployment rate has reached 9.9% (BLS). In every non-farming work category, except Education, Health Care, and Government, wages and salaries have decreased from this time in 2008 (BLS). The most significant drops are seen in Manufacturing and Construction where wages/salaries have decreased by 11.9% and 9.5% respectively (BLS). These are low paying jobs to begin with! These are also huge industries in the state of Missouri!

Based upon the research I have gathered, it is evident that people in Missouri, not to mention the entire United States, are in need of financial help. A car title loan can be a solution for many people who need this financial aid. A title loan is a great option for people who need to get their finances in order immediately and also for people with bad credit. So the question is posed: How does one obtain a car title loan in Missouri?

Just like in any other state that allows auto title loans, it is important to find the most reputable company that provides this type of loan. In the case of Missouri, the best company I have come across is Missouri Car Title Loans. With the lowest rates in Missouri, their payments are more affordable than any other company. They offer an online application that allows the loan processing to move extremely fast to get you the money you need. They serve areas all throughout the state and here are some of their Missouri title loan locations. They will help you get a fast cash loan!

Using the title of your vehicle as security for the loan, you can get a solid principal amount (depending on the condition of your automobile) no matter what your credit looks like! So to break this down into a more simpler form. Step one is to visit the website provided above. Step two is to fill out the online application. Step three is when the company will contact you and tell you where to pick up your cash(when I ran a test trial it took just minutes after I submitted the application). Step four is for you to get the money you need! It’s really simple and a great solution for people in financial distress.

I am here to inform you on how to get a car title loan in Arizona. In Arizona, title loans are also commonly referred to as auto pawns. As you can read from my post below, this type of loan is great for people with poor credit history as the loan is secured by the value of one’s vehicle rather than the borrower’s credit. Although obtaining an auto title loan in Arizona is pretty much the same as getting one in Georgia, with all the e-mails I have gotten for AZ, I figured I should post something about it. So let me refer to a question I got yesterday from Jim in Phoenix, Arizona: “How do I really know which lender is the best for my needs?” Alright Jim, so I’m assuming your primary need is cash, and maybe a secondary need is affordable payments. There are many lenders who offer car title loans in Arizona,  but to find the best one for you, it will take some research. As far as your primary need (cash), you will be able to get this with any lender. As far as your secondary need (affordable payments), all companies offer different interest rates and this is how you can judge the affordability of your payment plan. Obviously the lower the interest rate, the more affordable the payments. I am going to forward Jim a website which allows one to apply online for a title loan in Phoenix. As far as the rest of you Arizona residents looking for some cash, I’m going to direct you to a locations page for a car title loan company so you can find the lender nearest you: AZ Title Loan Locations .

Over the past few years, my company has experienced a steady decline in cash flow. We were once a thriving business and I was earning a consistent income. However, since the recession hit, our company hasn’t been doing so well. And by not so well, I mean our company has taken a big hit. Business just isn’t the same and although there are signs it will turn around, we were in a bind. I say “were in a bind” because we aren’t anymore.

I went online and found a car title loan company in Tennessee who serves all over the state. After browsing through their website, I decided to apply using their online title loan application. It literally took me less than 2 minutes and minutes later I was on the phone with one of their representatives talking about their low interest rate (3%) and what store they had that was located nearest me. I used their Memphis title loan store which is located about 5 miles from Germantown.

I got the cash the same day I applied and put it into my business’ account. The money that the auto title loan provided me with helped cover some of our expenses and put us back on track to start making a decent cash flow again. Without the cash I got using my vehicle’s title, my business would probably be in big trouble. I know this company serves all areas in Tennesee- I had a friend who used them for a fast cash loan in Nashville and was really pleased with their service.

My financial situation was pretty brutal. I had poor credit, no job, and bills piling up to the ceiling– literally.  I needed a solution to this problem as I was facing eviction. I knew I would be able to get a new job, I was just having a hard time finding companies looking to hire employees in this economy–most companies are cutting back. I just didn’t know how much longer I would be unemployed.

I went to my friend for some help and she recommended that I get a fast cash loan from California Car Title Loans. She told me that they have the lowest interest rates in California at 3% and no pre-payment penalties (that way if I did end up getting a job, I could pay the loan back earlier and not be penalized). This sounded like a great option for me so I went on their website and filled out their quick online loan application. In minutes, I was approved for my auto title loan. I needed my title loan in Los Angeles so I knew they would be serving my area. However, it was cool to see that they also serve the biggest cities like San Francisco, San Diego, Long Beach, Fresno, Bakersfield, Chula Vista, Sacramento, Riverside, San Jose, Santa Ana, and more, but also all of the smallest neighborhoods throughout CA.

Anyways, I got my cash the same day I applied, and was able to pay off my landlord the next day. With the $3,500 loan I got, I was also able to pay all my bills and hold myself over until I found my new, current job as an office secretary. I am so happy that I got a car title loan from these guys. They seriously saved me from not having a place to live. I can’t thank them enough. I highly recommend them for all title loan needs.

I’m attending USC and needed money for my books.  I didn’t want to ask my parents again for money.  Instead, my roommate told me aboutcar title loans  http://www.florence-graham-car-title-loans.info So I called them.  Not only did they give me a loan in about fifteen minutes but they gave me a discount for being a student.  Now I can spend time studying instead of worrying about how I was going to get my books.  I can’t say how much that helped me out it was a deal like no other its was fantastic. They didn’t waste time they got me what I needed and I on my way to class fully supplied,over Supplied really. I was so happy about this i had to tell everyone I could on campus. It is now three days later and six of my friends have gotten themselves one or two. In Florence this has to be the best loan that I received yet. I have tried others and none are better. i know you will find what your looking for if you choose to use theses guys. They are more than worth it; all my friends had different needs and they find a way to OVER-help every single one of them. They told their friends and so fourth it turns out them all loved the customer service. They seem to be the most friendly helpers I’ve met since my grandmother’s nurse. They are greatly appreciated if it wasn’t for them I’d be behind on y studies. Unfortunately I’m not and that’s a good thing. Florence-Graham is near Vernon,South LA,Watts,Willowbrook,Bell gardens,Maywood,Athens,Lynwood,Nevin,Compton,Cudahy.

Gerany.P

Los, Angeles

I’m really of the opinion that he who laughs last thinks slowest.

Take my stepfather.  Please.  He tried to talk me into buying a new car last year.  Said my old Volvo, which was their car until they gave it to me when I was going to Columbia College, was looking bad in the driveway and that I should get something new.

Well, Pops, that was last year and this is this year.  My job disappeared and here I am, living back at home, with tuition to pay and health insurance and only part time income and some new tuition with classes I need to take now to get a new job. What I do have is my car, with no payments to make, and the title that enables me to borrow against it with a car title loan.  I figured this out from friend who used Orland Park Title Loans, said it was easy and he was right. I signed on, filled out a form, and found out my car could get me $2000 (I only needed $600).

Now I’m back in school, working enough to pay off that loan, and without being too obvious, laughing at my stepdad who complains his car payments are killing him.

Orland Park is also near Palos Heights, Worth, Palos Park, Tinley Park, and Chicago Ridge.

Car Title Loans are known by many names. Some just call them title loans. Others pink slip loans. I know that when I started at a title loan company I did not know what this loan was or how do people qualify. So I am writing this from the perspective of an employee of a car title loan newbie but also as an insider.

The way it was described to me is for me to think of it like a pawn shop loan with the major exception is that the person who is “pawning” the car does not have to leave the car with place they got the loan.

So I asked what does a person leave? The answer is their title to the car. Now with some companies they ask you to put the loan company on as a lienholder. But the problem is that takes time so they usually have you sign a piece of paper to that effect and then they send the documents to the secretary of state to put this on the title. Even with this being said, it doesn’t slow down you getting the money. Almost without exception, you can drive in and drive out with cash for your car title.

You should know that some companies actually make you leave a spare set of keys with them. I know this sounds like they will repo your car in a heartbeat if you miss a payment but this is simply not true at all. This is the very last thing they want to do! The reason why is that they have to incur costs of the repo, then they have to hold it for a while to see if you can settle the debt and then there is the auction and they only get pennies on the dollar for that. They would MUCH rather never do that but some people will take out thousands of dollars in loans and never pay so they have to repo the car in some extreme cases. Fact is, they would rather be your friend and get your repeat business then upset you and cause bad word of mouth.

The next question I had was how much can you get? After all part of the allure of doing a car title loan is the fact that you can get much more money than a payday loan. So how much? Typically they take the bluebook or blackbook value of the vehicle and give you 30-60% of it’s worth. Not that you have to take that much of course but they approve you for more than you probably would ever need. This could be a pretty big number but if your car is real old or has tons of miles on it, then they usually will only loan you a little money, like $500. But the fact is that the underwriter has a lot of room and if your car has extras, they usually add this to the amount.

The next question is the interest rate. I want to clear this up because it can get confusing. While the company I work for gives loans out for 5.9% in some states, other states is higher. Some of the companies charge 30-60%! That is why I suggest allowing us (using that blue apply button on the top of this page) to look for the best deal. How about a loan for $2000 and you can pay it over 2 years and

Go to a broker or do it yourself? Well that depends if the broker adds to any fee right? We don’t because we make our money by charging the vendors to advertise on our sites. Some do. Not us. We also don’t ding you if you pay it off early. This way, we can offer the best deals we find and not be so hooked into one company. You know how it is right…. you need money and the first person to offer you a decent amount gets the business no matter if they have a bad interest rate or not. You are not really in a position to compare and worse yet, thrilled that you got the loan from someone. We are not so emotional. We know that you will come back to us if we make sure you get the best deal every single time and no matter what you try to do, you didn’t find anything better than us.

So if you comment on this post, I will be happy to answer your question from a car title loan employees point of view. Hope this helped!