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Explore These Loan Options That Welcome All Credit Types

You can get hit with extra expenses at any time causing you a financial crisis. So, wouldn't it be nice to know there's help even if your credit is bad? There are loan options out there to help people with all credit types. You can qualify for a payday loan, title loan, or title pawn that will get you extra cash to deal with any unexpected expenses that arise.

A payday loan allows you to borrow emergency cash to fill the gap between paychecks when you don't quite have enough to cover everything. A title loan or title pawn lets you borrow against the equity in your owned vehicle. Now, let's look at these loan options more closely.

Short-Term Loan Options

At, we take the stress out of finding a lender in your area that can offer the extra money you need. The vendors we work with offer loan options to help you stay on your feet and handle any surprise expenses with ease. The loan process that our vendors provide has been fine-tuned to allow you the peace of mind and quick turnaround you are looking for. Here's a quick breakdown of what loans are offered.

  • Payday loan - A payday loan is backed by the fact that you have a job that provides you income. Our vendors allow you to borrow money because you have the means to pay it back. A payday loan lets you borrow money early from your next paycheck when you don't have time to wait.
  • Title loan - A title loan is a little different. This option lets you use your clear vehicle title as collateral to borrow money against. You can borrow more with a title loan and you'll typically have longer to pay it back.
  • Title pawn – A title pawn works much like a title loan whereas you use the title to a vehicle you own as collateral to borrow money for financial emergencies.

explore these loan options that welcome all credit types

All Credit Types Are Welcome To Apply

The best part is all credit types are welcome to qualify. We work with licensed vendors that don't use your credit score to determine your approval. Our loan decisions are based on your situation, not your credit history. So, whether you have no credit, bad credit, or great credit, we want to talk to you. You could get approved regardless of your credit score.

Payday Loan Details

Payday loans are the shortest of short-term loan types. Generally, you are to repay the loan when you get your next paycheck. However, you should always check with your loan specialist to make sure you understand the terms of the loan.

There may be different circumstances with different lenders. You aren't required to provide much in terms of documentation to apply for a payday loan. Here's what you'll need:

  • Your most recent paystub
  • Your state-issued ID or driver's license
  • A blank check from an open account in your name

You must be at least 18 years old to qualify for a payday loan, have a stream of income, and have an active checking account in your name. You can borrow up to $1,200 with a payday loan. However, the amount you are approved for is based on your income level and your ability to pay the loan back. 

Title Loan And Title Pawn Details

You'll have a longer repayment period with these loans and you can also borrow more. With the option to borrow up to $15,000, depending on the value of your vehicle and the state you're in, these loans can take care of most financial emergencies. Since this is a collateral-style loan, your credit history isn't a determining factor for approval, either.

The most important things to remember about title loans and title pawns are that you must have a clear title, which means lien-free and the title must be in your name. It's okay if the vehicle is titled in your name as well as someone else's name, but if it is, the co-owner will need to sign for the loan acceptance, as well. Plus, you must also be at least 18 years old to qualify. Here are the required items to qualify for these loans:

  • The clear title to your vehicle in your name
  • Your state-issued ID or driver's license
  • Your vehicle for inspection

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Which Option Is Better?

The option that's best for you can be determined by your specific situation. If you own your vehicle outright and you need more funds with more time to pay them back, then the title loan or title pawn is your best bet. Should you only need a little extra cash to get you through until your next paycheck hits, then you may want to apply for a payday loan.

The Bottom Line

Let help you when unexpected expenses pop up. Don't worry about your credit score just go to our homepage to submit an inquiry for the type of loan you're interested in.

Once that’s done, a friendly representative will call to find out about your situation. This will help us to connect you with a lender in your area that fits your needs. So, why wait? Let us help you 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.

June Mckaig

June Mckaig writes articles on finance and budgeting, hoping to provide insight amidst the overwhelming crowds of information on the internet. She feels that with all this accessibility comes a lot of false data, and she would like to contribute astute, helpful input that she knows can help others. If you would like to learn more about June's research, read more here.

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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!