Fixing your credit rating can feel overwhelming, but it doesn’t have to be. With strategies like using auto title loans for emergencies, you can get back on track and improve your score in less than a year.

If you’re ready to make the effort, here’s how to take the first steps toward a better financial future.

1. Check Your Score For Free

You can find websites that will allow you to check your credit for free all over the internet. Regardless of the one you choose, it will help you to identify which factors are having a detrimental impact.

Generally speaking, your credit score will be affected by the following things:

• How long you have been using your credit.
• Your payment history (i.e. paying bills on time, late payments, missed payments, etc.).
• Total credit you have available.
• How much credit you're using.
• The types of credit you're using.
• The number of recent credit accounts or applications you've made, or hard inquiries.

Alongside the above, you should make sure to check for errors on your report. Even if your address is slightly incorrect, it could harm your score.

2. Ask For Help To Build Credit

If you can't get approved for a credit card but need to build your credit rating and history, other people can help you. There are various ways to do this but the most common options are to:

• Open a secured account. This allows you to put cash into a card and borrow a percentage of the total.
• Be an authorized user on someone else's card.
• Work with a cosigner; otherwise known as a guarantor.

3. Pay Your Bills On Time

The state of your payment history makes up a whopping 35% of your credit score. Thus, making late payments or missing them altogether will drastically decrease your otherwise decent figure.

The easiest way to ensure you pay your bills on time is to set up autopay for bills like student loans and car fees. All you need to do is ensure you have enough money in your account on the day and you're good to go!

If you have bills that are due on the same day each month, you should have a chat with your suppliers. They might be able to move your payment dates around to make it easier.

4. Take Out Title Loans

You probably haven’t thought of title loans when you think of improving your credit. Especially since this kind of loan is designed to help you with emergencies and not directly improve your credit. But title loans can be a big help in multiple ways with these typical auto title loans uses.

If you’ve never heard of them before, title loans are loans that you receive when you use your vehicle’s title as collateral. And, as I said, they aren’t designed to permanently fix your finances or directly fix your credit rating. But they are designed to help you get a handle on any pressing emergencies that pop up. This allows you to get rid of the emergency quicker and focus on getting back on track – thus improving your credit!

 

The Benefits Of Auto Title Loans

When it comes to auto title loans, there are plenty of benefits you have to learn about. Those are:

• You get your cash either the same day or the next bank business day.
• You can keep your car while you are repaying the loan.
• The process takes around 30 minutes to go through.
• You can borrow anywhere between $300 and $15,000 — enough to pay for those emergencies!
• You can start the process at home and have the representative come to you.
• There are only three documents required. These are your driver's license, vehicle, and your lien-free title to the vehicle.
• All credit scores are accepted. Whether you have bad credit, great credit, or non-existent credit, we will work with you. So don’t worry about that poor credit rating you may have.

FAQs About Auto Title Loans

Q: Can auto title loans improve my credit?
A: Auto title loans don’t directly affect your credit, as most lenders don’t report to credit bureaus. However, they can help you handle emergencies and avoid missed payments, indirectly supporting your credit-building efforts.

Q: Do I need good credit to apply?
A: No! Auto title loans are available to individuals with all types of credit histories.

Q: How much can I borrow with an auto title loan?
A: Loan amounts range from $300 to $15,000, depending on your vehicle’s value.

How To Acquire A Title Loan

Over the years, we have streamlined our procedure to ensure no one has their time wasted.

Just follow this step-by-step guide to learn what you have to do:

1. Go to our website and fill out the online form found on the top of our homepage;
2. A friendly loan rep from your closest Fast auto Loans, Inc. storefront will get in touch. They will talk about the process, answer your questions, and discuss the documents you need to submit;
3. During the conversation, they will allow you to decide where you want to meet with them. You can choose to come to the nearest auto title loans places or meet at a location more convenient for you.
4. Wherever you decide to meet, take your car, lien-free title to your car, and your driver's license to that location.
5. The loan specialist will perform a quick vehicle evaluation and take a look at your paperwork. This is the simplest way for them to check whether you can gain approval and how much you can borrow.
6. If everything runs smoothly and you're approved, you will receive your money the same day. Depending on when you apply, it might be on the next working day instead.

Start Fixing Your Credit Today

Improving your credit score takes time, but with consistent effort and smart strategies like using auto title loans, you can achieve your goals.

Ready to take control of your finances? Apply for an auto title loan today and handle life’s emergencies with ease!

Note: The content provided in this article is only for informational purposes, and you should contact your financial advisor about your specific financial situation.