man with bad credit needs to borrow money

How Can I Borrow Money With Bad Credit?

One of the most long-lasting financial effects the pandemic has behind is the number of people with ruined credit.

If you lost your job during the pandemic and had trouble covering your financial obligations, chances are high your credit suffered. And even with the economy waking up and generating new jobs much quicker than anyone anticipated, improving the country’s credit situation will take a little more time.

So if during the pandemic the question many people were asking was “how do I get a loan if I’m unemployed?”, these days the question people are actively seeking an answer to is “how can I borrow money with bad credit?”

After all, everything we’ve been taught about getting a loan at a bank indicates that our credit situation is no less important than our income situation. Even if you have managed to find a new job, getting a loan with bad credit can be difficult at a bank.

Luckily, the answer to the how can I borrow money with bad credit question can easily be found elsewhere.

So How Exactly Can I Borrow Money With Bad Credit?

The easy answer to how can I borrow money with bad credit? By looking into loans that don’t put a lot of importance on credit. Yes, there are a few, with online title loans being one option you have.

Title loans are a type of short-term secured loans that use your vehicle’s title as collateral. When you come to Mississippi Title Loans, Inc., you don’t have to worry about your credit. We welcome credit scores of all types – good, bad, and even nonexistent.

As long as you meet the other requirements, you don’t have to worry about your credit making you unable to get this loan.

You do have to make sure that your vehicle’s title is free of outstanding liens or judgments and that it is in your name.

One important thing to note is title loans should only be used for emergency expenses and won’t actually fix your credit directly. Now that the ‘how can I borrow money with bad credit’ question has been answered, you need to know more about how you could qualify for online title loans.

What Do I Need To Qualify For Online Title Loans?

As simple as it may seem to get a title loan in Mississippi, you still have to meet certain requirements in order to get through our process.

Title loans are easier to get than bank loans, that is true. However, that doesn’t mean you do not have to make sure you meet the qualifications. Once you do, you can go on to begin our process by filling out the online form.


woman applying for an online title loan in MS


To qualify for a loan at Mississippi Title Loans, Inc., at the minimum you have to be over 18, own your car since it cannot be financed or have any lien against it, and provide the following items:

  • A valid state-issued photo ID or driver’s license to verify your identity and legal age;
  • Your vehicle for inspection to determine the maximum loan amount you qualify for based upon its value;
  • The vehicle’s lien-free title in your name. If the title has any liens against it or doesn’t have your name on it, it cannot act as collateral.

Make sure all of the required items are in order and ready to go before you start on our process. Remember, as long as the items are up to par with our demands, you don’t have to worry about asking ‘how can I borrow money with bad credit?’.

Is It Possible To Get A Loan With Bad Credit?

When it comes to how can I borrow money with bad credit in Mississippi, that is easy to understand. You can choose the closest Mississippi Title Loans, Inc. store using the store locator on the website.

After that, you’ll need to fill out and submit an online form for title loans to send your information to your chosen store. When the form gets processed, a loan representative will get in touch with you to provide further instructions and answer your questions.

It doesn’t take a lot of time for the form to get processed, so keep the phone close! This is also where you can give the loan representative a location where they can meet you if you’d rather not come to the store.

The loan representative will schedule an appointment for you. You’ll need to take the required items – your ID or driver’s license, your vehicle, and the vehicle’s lien-free title in your name – to that appointment.

The loan representative will perform a quick inspection of your car and assess your documents to determine if you qualify for the loan and how much you qualify for.

If you’re approved, they’ll walk you through the final steps, and you’ll get the money the very same day. Now that how can I borrow money with bad credit isn’t a question anymore, apply for online title loans right now and get up to $2,500!

Fix Your Bad Credit Today And Handle Your Emergencies

While fixing your credit does take some time, the good thing is it isn’t impossible. Again, title loans are short-term loans that won’t permanently fix your credit – but they can take care of your emergencies.

Once those are out of the way, you are free to work on your credit! Get your credit handled and never ask ‘how can I borrow money with bad credit?’ again. Fill out the online form when you are ready.

Note: The content provided in this article is only for informational purposes, and you should contact your financial advisor about your specific financial situation.

Daniel Dewitt

Daniel Dewitt is a lifetime blogger with a finely-honed ability to break down, analyze, and interpret economic trends for the layman. He's fiercely invested in spreading financial literacy and helping everyday people gain the tools they need for their own economic success.