When it comes to title pawns in Gadsden, AL from Alabama Title Loans, Inc., we allow you to borrow between $300 and $15,000 to fund emergencies like medical bills, vet fees, home repairs, and more. But can you get them with a poor credit score? Thankfully, you can get them with bad credit! In fact, you can consider this similar to other bad credit loans or car title loans you’ve heard of. Keep reading to learn how we provide these emergency cash solutions to residents and our requirements to see if you qualify.

Can You Get Gadsden Title Pawns With Bad Credit?

As we've already established, you can get title pawns in Gadsden, AL from us at Alabama Title Loans, Inc. with a poor credit score. We take a different approach to other, more traditional lending places like banks. Instead of relying on your credit score (which can fluctuate) only, we use your vehicle and its title to establish the money we can lend and if you qualify for approval. However, while you can get this pawn, you should only use it responsibly. And if you can, you should look into alternative options first.

Alternative Financing Options To Consider

As we said above, you should always look at all of your alternative financing options before you decide to get a title pawn. Similar to car title loans, car title pawns are for emergency situations only. So it is very important for you to consider your situation and any alternative financing option available to you before you come see us. If you need some help, here are a few alternative options you can consider:

• Side jobs to bring in more money;
• Loans from a traditional lending location;
• Friends and family help;
• Payday loans for smaller emergencies.

Required Items For Title Pawns

If you’ve gone over your alternative options but still think title pawns are the option for you, there are some items you need. These items are the only things we need to see to be able to determine if you qualify for approval and how much we can give you. The good thing is our requirements list is easy to meet. You need these three things when we meet in person:

1. Government-issued identification — We accept all kinds of government-issued identification, provided it's in-date, displays your name and date of birth, and has your photo. You can use either your driver’s license or a state-issued photo ID.
2. Lien-free vehicle title — We require a lien-free title because we need to be able to place a lien on the car title to secure the pawn. Also, it must be in your name. If it isn't or if there is an unpaid loan on it, head to the DMV office and request a transfer. Once it’s ready, you can come see us.
3. Vehicle — We accept cars, trucks, or vans to use for the vehicle inspection. However, we don't work with motorcycles, boats, tractors, trailers, or other types of automobiles.

If Not Credit, What Determines The Loan Amount?

Now that you know the required items, you are probably wondering why you don’t need perfect credit to get title pawns in Gadsden, AL. Well, we use your vehicle’s condition and resale value to determine how much we can lend to you. This means that the more your vehicle is worth, the more you might be able to borrow from one of our title pawns. To possibly avoid a smaller amount, check out the factors we analyze to calculate its value:

• Age — Generally speaking, the older your vehicle, the less it's worth. However, that doesn't apply to classic cars, which tend to be more valuable than their newer counterparts.
• Mileage — If you have a high odometer reading, the car has suffered more wear and tear than others. Therefore, it won't be worth as much as the same vehicle with a lower reading.
• Condition — We consider both cosmetic and mechanical conditions.
• Make and model — Some cars are naturally worth more than others due to premium features and their brand.

How To Get Gadsden Title Pawns

Now you know the precise requirements and that you can apply even with poor credit, you can now begin the process! You are a few steps away from finding out if you can get the emergency cash solutions you need right now! And just like our required items list, our process for title pawns in Gadsden, AL is simple and quick. Just follow the five easy steps below to get a title pawn for bad credit:

1. Complete the online form found on the homepage of our website. It should only take a few minutes because we just ask for your basic information. Keep in mind that this means this form is not the official title pawn application.
2. As soon as we receive your information, we'll give you a call to discuss the process and select a meeting location. You don't have to come to our store in Gadsden, AL; we're more than happy to meet you at your home or workplace.
3. After the conversation, wait for us to arrive to the meeting location and ensure you have all your documents and vehicle ready to go. Keep in mind that while we don’t rely solely on your credit, we might have to check it just in case.
4. When we get to the meeting location, we'll evaluate your documents and inspect your vehicle to determine the amount of money you can qualify for and if you qualify for approval. If you are happy with the figure and you are approved, it's time to finish the paperwork.
5. After signing the documents, you receive the money on the same or the following working day. We do our best to release the funds on the same day, but if not, you can rest easy knowing you'll receive the cash within 24 hours.

Get Title Loans In Gadsden, Alabama Today!

As you can see, you can get title pawns in Gadsden, AL even if you have poor credit – just make sure you are doing it responsibly. If you need to fund an emergency but you're worried about your credit score, our title pawns are an option if other alternative financing options aren’t good enough. To kickstart the process, simply complete the short inquiry form found at the top of this website, and we'll get in touch as soon as we receive your information.

 

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