person holding car title loan cash

How To Go About Getting Title Loans In Jackson, TN

This article is for those considering the title loans Jackson, TN offers. It can be more than stressful to be short on cash when you have pressing bills arriving in the mail, or if you need the money for urgent expenses like repairing your home, replacing a vital appliance, or covering medical bills.

If you decide that title loans are a good option for you to address such bills, go through these 7 steps to access one from a reputable lender in your area.

  1. Learn the words to know about title loans
  2. Gather your application documents
  3. Prepare your car for inspection
  4. Apply online
  5. Connect with a lender via phone
  6. Meet with the lender
  7. Get your cash

Now we’ll dissect each step to make sure you get the title loan you need and receive your money ASAP.

How To Get A Title Loan

1. Learn The Lingo

Applying for any kind of loan can mean understanding terms you’ve never heard of. Check out these must-know terms before you consider title loans Jackson, TN.

  • APR Vs. APY: Most loans deal with APR, which is the interest the borrower pays on the loan. APY is the interest a person earns, usually by saving or investing money.
  • Secured Loan: Secured loans require collateral, like a vehicle for the title loans Jackson, TN offers.
  • Lien: A lien is a legal hold over an asset. It gives another entity or person the right to take your asset under certain circumstances. For example, when you owe payments on your car, your car will have a lien on it from the lender or dealership. If you use your car as collateral, it will also have a lien on it from the lender.
  • Title: A car title – also called a certificate of title, automobile title, or pink slip – is a physical or electronic form that states the legal owner of the car. This form will also show any liens on the vehicle.
  • State I.D.: This refers to a license or non-driving I.D. from your state. Be sure your I.D. reflects your legal name and updated residence.

title loans jackson tn

2. Get Your Documents Together

You’ll need to have your state I.D. and the lien-free title to your vehicle to qualify for title loans Jackson, TN. Don’t start your loan request until you have these handy. If you need copies or updates to either document, make an appointment at your local Department of Motor Vehicles (DMV).

3. Prepare Your Car

Part of the title loan request includes a quick inspection of your car. This is one of the last steps in the process and is done in just a few minutes.

Your car’s condition will impact your loan amount, make sure it’s in tip-top shape and ready for inspection. Our lenders consider things like the car’s mileage, age, make, model, and appearance. So, the better condition your car is in, the more money you could qualify for.  

4. Start The Loan Request Online

Now that you know what to expect, it’s time to begin your title loan request by filling out the online form on our At Home Title Loans homepage. Submitting this form will provide the information we need to connect you to a reputable title loan lender in your area that specializes in title loans Jackson, TN.

5. Wait For A Phone Call

A loan representative from one of our lenders will call you a few moments after you submit the form. They’ll go over the details of the loan process, address any of your concerns, and arrange the best time to meet for the document verification and car inspection.

vehicle title loan cash

6. Meet In Person

The loan representative will meet wherever you decide to inspect your documents and vehicle. This can be done at their loan office, your home, or another location convenient to you. This meeting is usually completed in half an hour or less and will include a short car inspection.

During the meeting, the representative will guide you through the final steps of the title loan process. You’ll then find out if you qualify and how much you qualify for.

7. Get Your Cash

Once you’re approved, you’ll receive between $300 and $2,500 in no time. Most borrowers have access to their cash that same day or the next business day. Use your money to cover your expenses and sleep a bit more peacefully tonight.

Get Your Title Loan Today!

At Home Title Loans has been working with some of the top title loan lenders in TN. If you’re curious about title loans Jackson, TN, complete the form on our homepage to be connected to a title loan lender to learn more today.

Our lenders provide title loans of up to $2,500 and the request process is short and easy. With your car, car title, and I.D., you could access extra cash as soon as tonight. The sooner you apply the sooner the deposit will hit your account – get your title loan today!

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

Louis Tully

Louis Tully is a full-time finance writer offering financial expertise to everyday consumers. He understands the core values of finance and used his writing talents to share his own experiences with money to his readers. His articles teach how financial failures can easily become successes by making new habits and creating realistic goals.