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Car Title Loans: Getting Those Necessary Back-To-School Electronics

American Government Special Collections Reference Desk

Car Title Loans: Getting Those Necessary Back-To-School Electronics

Laura J. Solomon
September 7, 2013

Car title loans are a convenient way to get money fast. Weeks before the new school year begins, stores are looking for the best ways to draw in consumers. You've probably seen the massive savings and deals in the magazines and and online. As a matter of fact, this is one of the best times of the year to shop for electronics. Desktops, laptops, and tablets are being offered at great low prices. But what if you don't have the money to get that brand new computer for your son or daughter entering high school? This is where car title loans come in.

Some people are familiar with the concept of a car title loan and some aren't. It's basically just like any other personal secured loan. However, instead of putting up your home as collateral you use your car. Lenders will take a look at your car, and will tell you the most they can offer. Based off of this initial amount, you decide how much you'd like to borrow. The basic terms of the loan says that you agree to make payments towards your loan until it's paid back. If you fail to make payments, the lender has the right to repossess your vehicle.

During this time of the year, these types of loans are great for parents looking to buy the latest electronics for their kids. With car title loan lenders, borrowers are not required to go through a credit check. It's no secret that many people, including parents, have credit that's not so stellar. So, if you have bad credit, you still have a good chance of receiving a decent loan. Most loans take as little as 20 minutes to qualify for. One of the only requirements is that the borrower is currently employed and has a steady income.

Some people worry about how much money they can receive. During this time of the year, stores are offering excellent desktops for as little as $400. The maximum amount you receive from a car title loan is dependent upon the worth of your car. Most lenders are willing to go as high as half the resale value of your vehicle. So, in this case, as long as your car is worth more than $800, you should have no problem getting a loan.

Because you're a busy parent, you may not have time to drive down to a lender to fill out an application. Thankfully, you can qualify for car title loans online. You simply go to the website, fill out an application, provide your vehicles VIN, and see if you're pre-approved. Most qualified borrowers are easily approved online, and can stop by the lender's office to pick up their loan at their convenience. With online car title loans, it's that easy to get the money you need for new back-to-school electronics.

Approved Money Center offers fast loans when you need quick cash. Visit ApprovedMoneyCenter for more information on how to obtain a short-term online car title loan.

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