Can I Get A Title Loan in Idaho With A Bad Credit Score?

When you need money for a financial emergency but don't have a very good credit score, you might start wondering if bad credit title loans exist. And you're in luck because they certainly do!

Our title loans in Idaho allow you to borrow up to $15,000 to fund emergencies like medical bills or home repairs. But we're going to look at them in-depth, allowing you to make an informed decision as to whether such loans are right for you.

Is It Possible To Get Bad Credit Title Loans?

We've already established that you can get title loans with bad credit. Here at Idaho Title Loans, Inc., we help people from all kinds of financial backgrounds secure the emergency money they need. You can qualify with a fair (or even poor) credit rating.

We are able to offer this handy loan because we utilize your vehicle to establish your affordability. The maximum amount of money we can lend you is directly related to the value of your vehicle, which we consider based on the following factors:

• Your car's age and mileage — We look at the age and mileage together to predict wear and tear. High mileages on newer cars reduce their value.
• Your car's condition — Everything from unchanged oil to stained interiors to dented bumpers can negatively impact the vehicle's worth. 
• Your car's make and model — Some makes and models are more expensive than others. Owning a luxury vehicle puts you in a good position to qualify for larger title loans.

The Requirements For Bad Credit Title Loans

You don't need much to qualify for bad credit title loans. Although, it's still worth checking whether you have the following three items before applying for a title loan:

• Some form of identification — We use your identification to prove that you are who you say you are and you are of legal age to apply. You must be at least 18 years old to qualify for a title loan in the state of Idaho. You can submit your driver's license, passport, passport card, military service member's ID card, military dependent's ID card, or another type of ID displaying your legal name, photograph, and date of birth.
• Lien-free title — Your lien-free title proves that you own your vehicle outright without any outstanding judgments. Thus, we cannot accept other types of titles. If you are dealing with a current lien, pay it in full before applying for a title loan. That way, the process will run smoothly.
• Vehicle — Please remember that we can only accept cars, vans, and trucks. We do not provide title loans to those with motorcycles, RVs, campervans, ATVs, tractors, trailers, or boats.

That's all you need! Since bad credit loans near me (like title loans) are made for those in ultra-sticky financial situations, we don't ask you to contend with a long list of requirements.

The Step-By-Step Process For Acquiring Bad Credit Title Loans

Getting bad credit loans near me of any kind can be stressful. But we've worked hard to make our title loan process as swift and straightforward as possible.

Unlike other types of loans, you won't need to spend hours toiling over convoluted processes. Instead, you will have your money in a matter of six steps:

1. Get started by completing our super short online request form. It sends your information straight to your closest Idaho Title Loans, Inc. branch. If you would rather speak to us on the phone straight away, contact your nearest branch directly during standard business hours.
2. As soon as we receive your information, we will call you back to confirm the request, answer your questions, and explain the items you’ll need for approval. We will also schedule an appointment at one of our stores or a convenient location for you (like your home or office).
3. Once you arrive at the location for your face-to-face meeting, we will look at your documents to verify your identity, age, and the lien-free status of your car's title.
4. Then, we will perform a quick vehicle inspection to establish the amount of money you can gain approval for.
5. Provided you are happy with the amount we have offered you, sign the documents presented. Don't worry; we'll show you where to place your signature if you're unsure.
6. Finally, you can receive the money you qualified for on the same day. Depending on the time of your loan request, you may need to wait until the following business day to receive the cash. Nevertheless, you will definitely get it in no time.

Get Bad Credit Loans Near Me Today!

You can get bad credit title loans from us at Idaho Title Loans, Inc. in as little as half an hour. With very few requirements and a straightforward process, they are an option during financial emergencies.

So, if you need to cover unexpected expenses, complete our online form or call your local branch to get started now!

 

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