Understanding How Title Loans Affect Your Credit

Getting a title loan with At Home Title Loans, Inc. is easy with any credit score, so you have nothing to worry about! Whether you have good credit, bad credit, or no credit, you can still qualify for a title loan with one of our At Home Title Loans, Inc. lenders by meeting a short list of requirements.

This short guide will help you understand all the ways that title loans might affect your credit. You’ll learn about credit checks, credit reporting, and much more!

Will My Credit Be Checked If I Get A Title Loan?

Yes, your credit may be considered if you try to get a title loan. Since all credit types are welcome to apply, you have nothing to worry about as long as you can meet the requirements.

To quickly recap, those requirements are:

• Minimum age: You must be at least 18 years old.
• Identification: You must provide valid identification, either your driver’s license or another state-issued ID.
• Vehicle title: A lien-free or ‘clear’ title that is registered in your name. That means the title must be free from any outstanding loans or judgments and show that you own the vehicle outright.
• Car for inspection: Even though your car title will serve as collateral, you must still have the vehicle for a quick inspection to determine its value and, in turn, the amount you can borrow.

Can You Get A Title Loan With Bad Credit?

Yes, you can get a title loan even with bad credit. 

Earlier, you saw the requirements for getting one. You’ll notice that having perfect credit is not one of those requirements. 

As long as you can meet the qualifying requirements, we’ll work with you regardless of whether your credit is good, bad, or even if you have no credit at all. Don’t be afraid to just reach out to us, even if you have bad credit.

Does At Home Title Loans Report Loan Defaults To Credit Agencies?

Those borrowing money through quick cash loans may worry about defaulting on loan agreements and whether this can affect their credit. However, as you’ll see on our Frequently Asked Questions (FAQs) page, At Home Title Loans, Inc. does not report to credit agencies if you default on your loan agreement.

How Do I Get A Title Loan With Bad Credit?

Suppose you have bad credit and want to get a title loan. That’s not a problem at all because title loans use your lien-free title as collateral. You can reach out to us for the fast and easy title loan approval process whether you have good credit, bad credit, or no credit.

You’ll go through the same process as everyone else, which consists of these steps:

Step 1: Reach Out To Us

Take the first step by contacting us through the short online request form on this website. The form only requires basic information like your name, phone number, and ZIP code.

Besides that, you’ll need to provide some basic information about your car like its make, model, and year. A friendly representative from a lender’s location near you will call you soon after to get you started.

Step 2: Meet A Representative

When the representative calls, they’ll schedule a meeting time and place. You can choose a location, like your home or office, that is convenient for you. Just be sure to bring your car and the required items so the process can continue.

Step 3: Complete The Process

Upon arrival, the representative will verify your documents and inspect your car. That could also include running a check on your credit.

After a few moments, you’ll find out whether or not you qualify for a loan. You’ll also discover how much money you qualify to borrow depending on several factors, including your car’s market value.

Lastly, they’ll help you complete the process with some simple paperwork.

Step 4: Get Paid

Finally, if all goes well and you’re approved, you can get paid shortly after. That could happen as quickly as the same day or by the next business day.

All of that depends on when you start the process and what time you get approved. The sooner you begin, the quicker you can get the money you need.

Who Can I Speak To If I Have More Questions Or Concerns?

Our priority is helping you get a title loan with total peace of mind! If you have any questions or concerns about how a title loan might affect your credit, you have several options to consider.

Here’s how you can get more help:

• FAQ page: Your first resource is the frequently asked questions (FAQs) page on our website. There, you’ll find the answers to popular questions asked by borrowers, including those regarding title loans and credit.
• Representative: Remember that the representative you work with is there to help you. They’ll happily answer any questions you have regarding title loans and your credit, so be sure to ask them!
• Blog: Another resource you might find helpful is our blog. There, you’ll find plenty of articles about title loans, including those about credit matters.

Overall, it’s important to remember that we can help get you connected to a loan representative who can clear up any concerns you have about title loans and any possible impacts on your credit.

Take The First Step Now With At Home Title Loans, Inc. Today!

You’ve got nothing to worry about when it comes to title loans and your credit. You can qualify for a loan no matter your credit score, so long as you meet the requirements.

Whether you have good credit, bad credit, or no credit, At Home Title Loans is ready to help. Submit your information through the online request form, and you will be connected with a helpful representative who can walk you through the loan process!

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