How Do I Get a Title Loan Near Me?
Many people in Boise, Nampa, Fruitland, Twin Falls, and Post Falls sometimes find that they need some additional cash to get through the week until their next paycheck. Whether it is because of an unexpected big expense like a breakdown of a major home appliance, some unexpected medical bills, or any other expense that sneaks up on you, finding that additional cash can be a big worry.
You can find the cash from a short-term car title loan in Boise convenient and you are free to use the cash from the loan as you choose. There are no restrictions or conditions on the usage of the cash from the loan.
If you have less than stellar credit you may find that traditional lenders are not going to be an option for you, and other sources available to you may not be fast enough.
If you are in this position, a car title loan like those provided by Ideal Lending may be the answer you are looking for.
How Do Car Title Loans Work?
A car title loan is just what you might expect from its name — a loan against the title of your car. You simply drive your car to the car title company’s office, have the vehicle valued there, and sign a loan document. Your title must be lien-free to qualify for a car title loan with any title loan lender.
You can request a quote ahead of time at the Ideal Lending website. You can fill in all of your pertinent details and get an idea of how much you’ll be able to borrow. This makes the process even faster if you’d like to get your loan as quickly as possible.
Ideal Lending makes the process easy by offering multiple locations in Idaho, so there is sure to be one located conveniently for you.
All you do is drive your vehicle to one of Ideal Lending locations, bring your title, proof of income and photo identification with you, and fill out a simple uncomplicated loan application.
While you fill out the application, the title loan officer will perform an evaluation on your vehicle to determine the value of the vehicle that can be used as loan collateral.
Getting approval for a loan at a car title loan provider is a lot easier than getting a loan through other means if you’ve had credit problems in the past. No credit check is performed, and the amount you’ll be lent is dependent on the value of your vehicle.
Your credit rating won’t be negatively affected by this loan because the lender doesn’t perform a credit check.
Ideal Lending aka Half Price Title Loans will work with you to determine the loan terms and repayment plan that will fit your income and budget. All you have left to do is sign the uncomplicated loan documents, get your check, and drive off with your vehicle.
While your loan is active, Ideal Lending will hold on to your car title. You can use your vehicle in the meantime and no one will know that you have a title loan taken out on your car. When your loan is repaid, you get your car title back.
Another added convenience is that by being an established customer of Ideal Lending that has already repaid a loan you are able to come back and get a new loan easily should you again find yourself in the position of needing a short-term infusion of cash.
How Do I Choose a Car Title Loan Provider?
As in any business field, there are quality and honest companies – and some companies that are not so scrupulous.
Ideal Lending is of the most respected of all title lenders in the Boise area. Ideal Lending aka Half Price Title Loans has gained its reputation by providing excellent customer service for more than 8 years in the greater Boise area. The Better Business Bureau has never had a recorded complaint against the company, which should give you another measure of comfort.
The title loan process is a fast and simple process to quickly get the cash you need to get by those short-term cash crunches that most people face from time to time.
What Is an Installment Title Loan?
Ideal Lending offers an additional product – the Installment Loan. An installment title loan is a more advanced version of the standard title loan. A title loan in Idaho usually lasts for 30 days. Some people prefer this shorter loan term period as it means they’ll repay the loan quickly and move on.
An installment title loan essentially allows you to extend the period of your loan over a longer time like 12 months. You can pay it off early with no prepayment penalties.
For more information on title loans and installment loans in Boise, get in touch with Ideal Lending today.