When a financial emergency occurs, like a car or home repair, you may be left scrambling for ways to recover. In this situation, borrowing money might be a sensible option for you to consider. Here’s what you’ll need to qualify to get title loans in Cleveland, TN. 

To apply through an At Home Title Loans vendor, you’ll need your government-issued ID, lien-free car title, and your vehicle itself for inspection.

If you would like to know more about the qualifications and what they mean, keep reading. In this article, we’ll walk you through when to consider this option and what you need to qualify.

When Are Title Loans Right For Me?

Before going over the simple loan request process, let’s review when a title loan might be the right call for your financial situation. You may consider borrowing money on your car title to get emergency cash in these circumstances:

• You need urgent home or auto repairs
• Your rent or utility has gone up
• You have important medical bills to pay
• You need to fund urgent business travel

Any situation when failing to make a payment or follow through with an important repair would cause further problems is a time to think about title loans in Cleveland, TN as an option.

What Do I Need To Apply Through At Home Title Loans?

At Home Title Loans is a lead generator that can help you get connected with one of their trusted vendors, who will guide you through the loan process to assist you in obtaining the cash you’re in need of. To apply, you’ll need the following three items:

• Your driver’s license or government-issued ID
• Your lien-free car title
• Your car itself for a brief inspection

Let’s take a closer look at each of these requirements.

Your Identification

The first thing you’ll need is a valid form of government-issued photo identification. For most people, a driver’s license is the most readily available form of ID; after all, if you have a vehicle, it’s likely you have a license.

If you don’t have a license, then you can use an international ID like a passport or some other ID issued by the government that has your name and photo. That includes:

• Military ID
• Non-driver’s license
• Student ID

Your Lien-Free Title

Lien-free is a term that simply means no third party has a legal claim against your title due to unpaid debt. Liens can be placed on your car by dealerships, private entities, or the government to ensure repayment of a debt.

Title loans in Cleveland, TN work because the lender places a lien against your car, incentivizing you to repay the loan and giving them as the lender more security. If there’s already a lien on your title, then you have much less incentive to pay off the loan, since your title is technically already owned by another party until you repay their lien.

Pay off your debts and have the lienholder issue a lien release form to absolve you of your responsibility regarding the debt before you apply for title loans in Cleveland, TN.

Your Car Itself

At Home Title Loans’ vendors will need to check the condition of your car—age, make, model, brand, and upkeep—before approving you.

These factors all play a significant role in determining the amount of money you could qualify for. At Home Title Loans’ vendors issue up to $15,000 on a loan, but that amount is based on the valuation of your car, so you may qualify for less.

The Straightforward Loan Process

Now that you know exactly what you need, here’s how the process works to get a title loan through one of our vendors:

1. Complete our simple online inquiry form to send your basic info to one of our vendors.
2. Wait for one of their representatives to ring you back to go through the loan application process.
3. Bring your three important items to either the store or a location you schedule with the associate.
4. Wait for the inspection to be finished and, if you get approval, get your money the same day or the subsequent business day.

Take Out A Title Loan Today!

Title loans in Cleveland, TN can be the financial relief you need when you need a little (or a lot) of extra money to cover expenses. At Home Title Loans has a trusted network of lenders that you can rely on when you need urgent cash. Whether it’s car troubles or a problem with your health, sometimes waiting just isn’t an option.

If a car title loan sounds like the right option to seize your short-term financial success, get started by inquiring online 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.