title pawn bad credit

Can I Get Gadsden Title Pawns If I Have Bad Credit?

Gadsden title pawns 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 title loans in Gadsden, AL with bad credit! We use other factors (primarily the value of your vehicle) to determine how much you can borrow and your ability to repay the pawn. Therefore, you won't ever have to worry about boosting your credit score before applying for our loans. We provide funding solutions to people from all kinds of financial backgrounds. Learn how Alabama Title Loans, Inc. provides title pawn to Gadsen residents, our requirements to apply for one and how to get one to fund your less-than-favorable situation.

Can You Get Gadsden Title Pawns With Bad Credit?

As we've already established, you can get title pawns from us at Alabama Title Loans, Inc., with a poor credit score. We take a different approach to other, more traditional lending facilities.

Instead of relying on your credit score (which can fluctuate), we use your vehicle and its lien to establish the amount of money we can lend to you.

If you gain approval for the loan, we place a lien on your car's, truck's, or van's title and remove it once you've repaid the full amount. But don't worry; you can continue using your vehicle as normal while you're paying back the loan. All you need to do is stick to the repayment schedule.

Required Items For Title Pawns

Furthermore, our requirements are easy to meet. You need these three things:

  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 portrait. You can use your driver's license, passport, military dependent's ID card, or a similar document.
  2. Lien-free vehicle title — While there are many types of vehicle titles, we can only accept lien-free versions because we need to be able to place a lien on it to secure the pawn. Also, it must be in your name. If it isn't, head to the DMV office in your area and request a transfer. Once it's successfully transferred to your name, you can apply for the title pawn.
  3. Vehicle — We accept cars, trucks, or vans. However, we don't work with motorcycles, boats, tractors, trailers, or other types of automobiles.

woman frustrated with debt and bills with text can I get Gadsden title pawns if I have bad credit?

If Not Credit, What Determines The Loan Amount?

The more your vehicle is worth, the more you'll be able to borrow from one of our title pawns.

To avoid disappointment, 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, follow the six easy steps below to get a title pawn in Gadsden, Alabama.

  1. Complete the online form. It should only take a few minutes.
  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 the store; we're more than happy to meet you at your home or workplace.
  3. After the phone conversation, wait for us to arrive and ensure you have all your documents and vehicle ready to go. Remember, there's no need to worry about your credit score!
  4. When we get to the meeting location, we'll evaluate your documents and vehicle to determine the amount of money you can qualify for.
  5. If you are happy with the figure, it's time to finish the paperwork.
  6. 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!

You can get Gadsden title pawns with bad credit. All you need is a lien-free vehicle title, car, truck, or van and a state-issued identification displaying your birth date, name, and portrait.

If you need to fund an emergency but you're worried about your credit score, our title pawns are an option. 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.

Daniel Dewitt

Daniel Dewitt is a lifetime blogger with a finely-honed ability to break down, analyze, and interpret economic trends for the layman. He's fiercely invested in spreading financial literacy and helping everyday people gain the tools they need for their own economic success.