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What Are My Options For Getting A Short-Term Loan Online?

It can be tough to pay for an extra expense or find a short-term loan online when almost half the population is living from paycheck to paycheck. Studies show that 10 percent of Americans have no savings for emergencies.

What kind of loans are available for working people? Figuring that out can sometimes be quite difficult. Another issue the average working person may face is knowing where to go for a short-term loan online. Examples of these are online title loans or payday loans and ensuring the lender is reputable, and that they have complete transparency is important. 

Benefit Of Getting An Online Loan

A benefit of an online loan is that you can access it from almost anywhere, depending on the lender. is one online source that can be used to find licensed, reputable lenders nationwide. It’s a great way to access alternative financing from the comfort of your home.

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Types Of Short-Term Loans

Those who are working have two basic options for alternative financing with You can get an online title loan or an online payday loan. Each has its characteristics and should be looked at depending on your situation. 

Online Title Loans

An online title loan can offer more money, depending on the condition of your vehicle (which will be used as collateral) and your ability to repay. Private lenders in the Title and Payday Loans network offer up to $15,000 in title loans at many convenient locations around the country.

The best part is your lien-free title is all that you need to secure the loan, so you will get to keep your vehicle and drive it as usual during the repayment process. Another benefit of an online title loan is that credit history doesn't play a role in how much money you get or whether you are approved as it does for traditional bank loans. All credit is welcome to apply.

It also may not matter if you have a bank account. While many title loan lenders require a bank account, some lenders will allow you to apply without one. To be sure, you will need to talk to the individual lender about their requirements. 

The basic requirements for lenders associated with are that you have a valid driver's license or state-issued ID, a clear title to your vehicle, and your vehicle. Some may also require proof of income. Once these items are validated, a representative will do a quick vehicle inspection to determine how much money you can borrow. 

Online Payday Loans

An online payday loan is an option for those who don't need as much money and who have a steady income with a bank account. The trustworthy lenders with us at offer up to $1,200 in payday loan funds. Lenders don't typically require a credit check for this type of financing since your job is considered your credit. 

You need four items to apply for a payday loan including a driver's license or state-issued ID, your current paystub, a bank statement showing the past 30 days of a checking account, and a blank check from that account. The account must be open and in your name. 

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The Short-Term Loan Process

Applying for either of these loans has a similar process to any of the private lenders in the Title and Payday Loans network. The loan process you should expect will look like the following:

  • You start by filling out an online inquiry form on the website.
  • Once it's submitted, you will be connected to a private lender in your area that can fulfill your needs.
  • Then, a store representative from that lending office will answer your questions and explain the rest of the short-term loan process.
  • At that time, they will make an appointment for you to visit a local store to file a formal application. In some cases, a store representative will come to you to make the process even more convenient for you. You will need to ask the lender about that option.
  • Be sure to bring your required items with you when you meet with the store representative. They will validate everything and take you through the simple paperwork to finish the process. Those getting a title loan will need to bring their vehicle with them for a quick inspection. This part of the process can take as little as a half hour to complete for either an online title loan or an online payday loan.
  • And, you can have your money as soon as the same day you're approved or the next day of business.

Visiting is a safe way to find a reputable private lender for a short-term loan online. With their services, locating licensed lenders to fit your financial needs can give you the peace of mind you need during such stressful times.

Fill Out The Form

Getting a short-term loan online has never been easier. All you need to do to get started with is fill out the form online and they will find a lender near you to meet your needs. This may be the answer you need to pay for your unexpected expense. Fill out the form 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.

Emma Frost

Emma Frost is a lifestyle and finance blogger with a talent for communication and a passion for financial literacy. She uses her writing talents to explore topics that help her readers gain financial stability and growth.

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Qualify for a Title Loan or Payday Loan Today!

You can be approved for title loans or payday loans in as little as 30 minutes! After approval, our licensed vendors will arrange for you to get your money—up to $1,100 for payday loans or $15,000 for title loans. Fill out the simple, free online form now, and we will get you in touch with a lender's loan store near you to complete the process. Qualify and get the fast cash you need for emergency expenses as soon as today!