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The Easiest Holiday Loan To Apply For This Season

Getting a holiday loan is more common than you might think — and certainly nothing to be ashamed about. After all, it's always an expensive season for people, and with emergencies on top of festivities, your finances can become unmanageable pretty quickly. 

Therefore, we are going to take a deep dive into the easiest holiday loan this season and exactly how to get one in as little as 24 hours. 

What's The Easiest Holiday Loan To Get?

While there are many loan types, the easiest holiday loan is undoubtedly an online title loan. It allows you to borrow money based on the value of your vehicle rather than your credit score or other financial metrics. 

It's wonderfully simple to apply for, comes with straightforward requirements, and allows you to continue your holiday fun in no time, instead of stressing about monetary matters. 

Everything You Need To Get The Easiest Holiday Loan

Before jumping into the title loan process, you need to have your requirements in order. If you can't meet the criteria, you don't want to waste your time applying!

holiday online title loan cash

Luckily, you only need three things to qualify. They are as follows:

  • Lien-free title — There are lots of vehicle titles out there. However, our direct lenders only accept lien-free titles. Title loan lenders put a lien on your title to secure the loan, and they can't do that if a lien is already in place. Thus, you can only use a lien-free title to get this type of loan. 
  • State-issued identification — You can use any form of government-issued identification that displays your full name, date of birth, and your photo. This includes your driver's license (i.e., the most commonly used), passport, passport card, military service ID, student ID, and military dependent's ID card.
  • Vehicle — Our direct lenders accept vans, cars, or trucks. However, they don't work with other vehicles like boats, tractors, trailers, RVs, ATVs, motorcycles, or campervans. 

Title loan lenders look at a myriad of factors when determining your vehicle's worth. It's worth understanding said factors to ensure you aren't disappointed by how much they offer you. 

They will consider the following elements of your vehicle to assess its overall worth:

  • Age — Generally speaking, the older the vehicle, the less it is worth. Unless you have a classic, then you can possibly qualify for more than a current model.
  • Mileage — Cars with higher mileage aren't worth as much as those with lower odometer readings. Although, they do consider mileage in tandem with age. 
  • Make and model — Premium makes and models come with hefty price tags, giving you a better chance of securing the maximum loan amount. 
  • Condition — They look at the cosmetic and mechanical condition to decide its overall value. 
  • Modifications — Spoilers and decals can decrease the vehicle's value.

The Easy Online Title Loan Process Used By Our Direct Lenders

You can complete our direct lender's title loan process in just half an hour and receive the money you require in just 24 hours. 

signing for car title loan

To get started, simply follow the steps listed below to get a holiday loan from one of our direct lenders:

  1. Start the process by completing the secure inquiry form online on our Auto Cash USA homepage. 
  2. One of our licensed vendors will get in touch with you via telephone to tell you about the title loan, ensure you have the necessary documents, and answer your questions. At the same time, you will set up a face-to-face meeting with them. They are more than happy to come to your home or workplace. 
  3. Make sure you head to the meeting place on time with all the relevant documents and your vehicle. The agent from the direct lender will arrive and verify your vehicle's VIN before requesting your signature on a few documents. They'll also assess the condition of your vehicle to establish how much money you can borrow. 
  4. If you are happy with the amount offered, the loan documents will be emailed to you. 
  5. Provide an e-signature and send the forms back. 
  6. The direct lender will deposit the money into your bank account on the same or the following day. The lenders we work with always try to release your money on the same day. However, they aren't always successful. That said, you can rest assured that you'll get the money within 24 hours or on the next business day. 

Get An Online Title Loan From One Of Our Direct Lenders Right Now!

In conclusion, the easiest holiday loan you can get is an online title loan! You don't need a good credit score to gain approval (although, it is considered during the approval process). Instead, our direct lenders use the value of your vehicle to make lending decisions of up to $15,000. 

So, if you need to fund an emergency like medical bills, veterinary fees, or home repairs, complete the secure inquiry form online, and a representative from one of our direct lenders will be in touch soon after to help you through the process. Get started right away to get the title loan funds you need 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.

Daniel Dewitt

Daniel Dewitt is a lifetime blogger with a finely-honed ability to break down, analyze, and interpret economic trends for the layman. He's fiercely invested in spreading financial literacy and helping everyday people gain the tools they need for their own economic success.