Salinas Car Title Loans

Auto title loans , car title loan, serving all car title loan needs.

888-924-4600

Heres how to get a loan EVEN if you have bad credit:

1) Look for loans secured by something you own of value rather based on your credit. They usually carry higher interest rates and include vehicle title loans, pawn shop loans and payday loans.

2)Ask someone to be a co-signer. They would be the primary borrower and you would be listed as the 2nd party responsible for making payments.

3) Develop a rental history. Find a national rent-to-own company. By renting something like a T.V. or furniture, you build a history of making payments on time and you may be able to use them as a credit reference even if they dont report to a credit bureau.

4) Apply for credit cards for folks with bad credit. First Premier Bank and Orchard Bank are good places to start. They are good companies with excellent customer service. You can apply on-line and they usually approve just about everyone!

5) Look to previous lenders whom you have paid off. Sometimes they will reopen your account based on their past experience with you and not your current credit. Sometimes, but not always.

6) Ask a friend. Using something of value that can secure the loan may actually persuade that person to help you out. Let them hold onto the item(s) until the debt is paid. This is basically the same as a pawn shop loan which is probably a better idea anyway.

7) Get your annual free credit report and look for any errors. If you find any, write to them and tell them what the error is. At least the law is on your side in this case.

8) Look for a vehicle title loan. Be careful not to get more than you actually need because you will be paying interest on this money. Pay it off and then if you need more go for another loan.

9) Use an online locator service. One of the easiest sites to use is: ezloanlookup.com One quick application with them will get you a list of potential lenders in your area as well as many more across the country willing to compete for your business.

10) Look to borrow from more than one source. If you need a thousand dollars, try getting some from a car title loan, some from a payday loan and the rest from a pawn shop loan. You reduce the individual risk for each of them as well as getting what you need.

Finally- the most important thing to keep in mind is dont overextend yourself. Ask lots of questions from your lenders and be honest with them. No one wants you to get in over your head and we are no exception to this rule. Title loan companies take serious financial risks with large amounts of money. They are hoping you take borrowing money seriously and responsibly.