Accessible Cash Solutions With Nearby Loan Options For Your Financial Needs
When you have urgent financial needs, it can feel like the whole world is against you. But you can always turn to us at Mississippi Title Loans, Inc. for quick, straightforward loans that offer you the cash you need with little to no fuss.
These loans are an emergency option best used when a situation can worsen or grow more expensive if left unattended. Just ensure you can repay the loan in full before taking one out.
In the following sections, we'll go over the three types of loans we offer, allowing you to select the perfect one for you.
3 Accessible Loans To Meet Your Financial Needs
1. Payday Loan
A payday loan is a short-term type of loan that can help bridge the gap between two paydays.
Generally speaking, they need repaying when you receive your next paycheck, ensuring their terms are mere days/weeks long. However, loan terms can vary, so always speak to a representative to verify your expected repayment deadline.
With a payday loan from us, you can borrow between $100 and $400 — great for smaller emergencies, such as an overdue utility bill.
But the best part? You don't need to have a good credit score. Unlike traditional bank loans, we don't place much importance on your rating, focusing on other metrics to establish affordability.
Here's everything you need to get one of our payday loans:
- A state-issued identification (e.g., driver's license, student ID card, etc.)
- Your most recent pay stub
- A blank check (one from your active checking account)
Please ensure your ID displays your full, legal name, photograph, and birth date. You must be at least 18 years of age to qualify.
With these requirements in mind, simply follow these steps to acquire this type of loan:
- Complete the online form.
- We'll call you soon after.
- Following the call, head to your nearest branch with the requirements.
- We'll verify your items.
- Walk you through the final stages.
- Then, release the funds you need on the same or the following business day.
2. Title Loan
A title loan is another short-term loan option, but it allows you to borrow significantly more money than a payday loan — between $300 and $2,500, when choosing Mississippi Title Loans, Inc.
You don't need to worry about having a good credit score with this loan either. However, you do need to own a vehicle outright, without any outstanding liens or judgments. Why? We place a lien on your vehicle's title to secure the loan, which means you get to keep your vehicle and continue driving it as usual while you make payments.
The value of your vehicle dictates the amount you can borrow. Therefore, the more it's worth, the more you can gain approval. That said, you shouldn't just apply for the maximum amount because you believe you could qualify. Instead, apply only for the amount you need to cover your emergency. Otherwise, you'll end up repaying an unnecessarily large amount!
The requirements for one of our title loans are as follows:
- A car, van, or truck (no other vehicle types accepted)
- Your lien-free title
- Your ID
To establish the value of your car (thus, how much you can borrow), we consider these factors:
- Your vehicle's age
- Your vehicle's make and model
- Your vehicle's odometer reading
- Any modifications
- Your vehicle's service history
- Your vehicle's condition
If you can meet the requirements and believe you'll qualify for enough cash to fund your emergency, follow the same steps described in the payday loan section above. If you are short on time, your loan can be approved in as little as 30 minutes!
3. Signature Installment Loan
A signature installment loan is a type of personal loan requiring nothing but your signature and a promise to repay it.
While this may sound like a dream come true, your credit rating does carry more weight here than it does for payday and title loans. Don't worry; there's no need to have perfect credit, but your credit will be considered. If you're worried about your score, feel free to talk to one of our representatives before starting the process to address your concerns.
With this type of loan, you can borrow up to $1,250 to fund minor crises. The face-to-face portion of the meeting can be carried out in as little as 30 minutes, ensuring you can get on with your day as quickly as possible.
You will need the following things to be eligible:
- State-issued identification
- Proof of income (i.e., your most recent pay stub)
- Checking account statement
The step-by-step process is similar to the payday loan procedure. Just be sure to select the right inquiry form online!
Meet Your Financial Needs With Mississippi Title Loans, Inc. Right Now!
Our title, payday, and signature installment loans are all options that provide cash solutions when you're dealing with urgent financial needs and don't have anywhere else to turn.
To start the process for any one of these loans, simply complete the relevant inquiry form and one of our representatives will be there to help you every step of the way.
Note: The content provided in this article is only for informational purposes, and you should contact your financial advisor about your specific financial situation.