Get Home Repair Loans For Bad Credit To Fix Your House

May 10, 2021 | Emma Frost

Texas home repair loans bad credit


Sometimes circumstances align in unexpected ways. And while in certain instances it can be good, in others it could be disastrous.

Take urgent home repairs for instance. If you’ve been planning renovations for a long time but could never find a proper time to start – your house requiring urgent repairs could be a blessing in disguise.

On the other hand, finding your roof suddenly leaking, pipes bursting, or the entire structure taking a serious hit after a natural disaster – without having a security cushion – could put you at a serious disadvantage.

This is especially true if your credit is bad and you have low chances of getting an emergency loan at a bank. Luckily, there are options if you need home repair loans for bad credit. Texas title loans being one of them.

How You Can Get Home Repair Loans For Bad Credit

We’re all accustomed to the idea that having good credit is important when it comes to getting a loan. And that’s certainly true when it’s a bank loan we’re talking about.

Texas Car Title and Payday Loan Services, Inc., on the other hand, put a much lesser emphasis on your credit history. You can apply and easily get approved if you have bad credit – or even no credit at all!

As long as you have the required items and meet the specific requirements, you can apply for title loans and find out if you qualify for approval. Plus our process is quick and you can keep your vehicle while you are repaying the loan – since we are using your vehicle’s title as collateral and not the vehicle itself.

How To Qualify For Home Repair Loans For Bad Credit

While good credit isn’t a necessary qualifying requirement when it comes to title loans, it doesn’t mean you can just walk into the store and come out with the cash.

Despite being pretty accessible, title loans do have certain qualifying requirements you need to satisfy before you even begin to apply. Here’s what you’ll need to get home repair loans for bad credit:

  • Your state-issued ID. In order to qualify for a title loan, you must be a legal adult of at least 18 years old. You either have to have a driver’s license or a state-issued photo ID to verify that you are of legal age.
  • Your vehicle for inspection. Title loans are secured loans, and your vehicle’s title will be acting as collateral. While we do not use the vehicle as collateral, it does help us determine how much you could qualify for – which could be up to $15,000;
  • The title to your vehicle. As I said, we will hold onto your title while you repay the loan. It must be completely lien-free – which means it has no outstanding loans against it – and be in your name. If it isn’t in your name or lien-free, you will have to fix that at the DMV prior to applying;
  • Proof of income. Providing your most recent pay stub is mandatory, but depending on your situation, alternate means may qualify. Speak to your loan representative to go over your options and any accommodations.

Will Getting Texas Title Loans Worsen Credit?

There is no need to worry about your credit going down with a title loan. Texas Car Title and Payday Loan Services Inc. doesn’t report the loan information to any credit bureaus if you happen to default on your payments, so it won’t have any impact on your credit – either negative or positive.


Texas title loans


Getting Home Repair Loans For Bad Credit While Unemployed

If you are thinking of getting home repair loans for bad credit while unemployed, that is a conversation to have with your loan representative.

We want to try to accommodate whatever situation you are in. We may be able to allow you to pay with alternate income if you happen to be unemployed. It is a conversation worth having so you can learn all your options.

Some of the alternate means that could be used to pay off loans at Texas Car Title and Payday Loan Services Inc. include welfare benefits, worker’s compensation, savings, and so on. Just make sure to be upfront and talk to us about your situation.

Will My Car Be Taken If I Get A Texas Title Loan?

The good thing about car title loans from Texas is that, again, you get to keep your car for the duration of the loan payoff. It’s the title that will stay with us and act as collateral – hence the name title loans. Just make sure to make your repayments on time and you will have no issues keeping your vehicle.

How To Get Home Repair Loans For Bad Credit

Getting Texas title loans should be easy, if the required items – the state-issued ID, your vehicle, the vehicle’s title in your name, and proof of income – are all in order.

In fact, you can easily do so online or over the phone, instead of leaving the comfort of your home and spending extra time on a store visit.

Just give us a call or go to the Texas Car Title and Payday Loan Services Inc. website, fill out the form for title loans and submit it. Answer when the loan representative calls. They’ll provide further instructions and schedule a meeting with you at a location of your choosing.

All you have to do is take the required items to the meeting. The loan representative will inspect your vehicle and assess the documents to determine if you qualify for the loan and how much cash you qualify for.

If you’re deemed eligible and approved, you’ll complete the simple paperwork right then and there and get the cash deposited into your account the next bank business day. You do not even need to search for ‘title loans near me’ since you do not have to come into the store.

This entire procedure typically takes less than an hour – and could take as little as 30 minutes, depending on the state of your car. So get started today and get your emergency taken care of.