August 18, 2017

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Auto Title Loans on a 2007 Infiniti and a 1997 RV

Are you in need of a financial pick-me-up, but don’t know where to turn? Are you facing a financial deficit but don’t want to borrow from your friends? Whatever you may be going through, TFC is here to help you with an auto title loan. By using the title of your vehicle as collateral, you can get a secured loan with TFC. Don’t believe us? Read these testimonies about people who took out auto title loans on a 2007 Infiniti and a 1997 RV.

Julia J and TFC

2007 infinitiJulia J ran into some unfortunate financial problems and needed to take out a title loan. Referred by City Loan where she had been a previous customer to TFC Title Loans twice before this loan! She paid them off successfully, and she enjoys working with TFC so much that when she had another financial issue, she came to us again.

Julia decided to use her 2007 Infiniti G35 title for collateral. Even though it had 163,280 miles on it, she was able to receive $3,500 from TFC. We asked her what made her choose TFC again, and she told us it was because we have a “great service” and are “very professional”. We always love to hear that from our customers, especially loyal ones like Julia!

After agreeing to her 36-month loan term and signing off, Julia was able to leave TFC with her cash in hand. By working hard, she plans to pay off her loan in no time at all. We love working with customers like Julia J because it helps us remember why we maintain our amazing customer service experience: to continue helping our customers throughout their lives.

Jerome J’s Story

rvJerome J’s story touches all of here at TFC Title Loans. After a long struggle, Jerome’s daughter passed away at City of Hope, the cancer treatment center in Duarte. In the wake of her absence, he was left with medical bills that needed to be paid. If he didn’t find the money, he had no idea how to pay for them. After hearing so many good things about TFC Title Loans, he contacted us to help him out.

Luckily for Jerome, TFC Title Loans also administers auto title loans on RVs. To get the most money, Jerome used his 1997 Southwind RV title for collateral on his auto title loan. He was able to receive $2,510 for his RV, which was perfect for him to pay some of the bills while he waited for his settlement to come in. With a loan term of 24 months, based on his regular payments, Jerome will have his loan paid off by July of 2019. We know that he won’t have to worry about this loan for much longer.

Stories like Jerome remind us at TFC Title Loans why we help people for any financial reason. Life is a wild rollercoaster that throws unfortunate and tasking circumstances at you. Sometimes you need a pick-me-up for a short time to get you back on your feet. TFC is always more than willing to help.

Become a TFC Title Loan Customer

Its stories like Julia J’s that help prove to those on the fence about an auto title loan with TFC that we are a trusted lender. Working with us, we help you get the quick cash you need for any financial problem or dilemma happening in your life. On top of our customer service experience and great loan terms, there are many other benefits awaiting you at TFC:

  • Funds up to $50,000
  • Those with bad credit eligible
  • Competitive interest rates
  • Drive your car while you pay-off your loan
  • Online payment system and application
  • Locations across California, Aizona, and New Mexico

As long as you have a clear and free title to a vehicle, you can apply for an auto title loan and receive your funds in as little as one business day! One of the many perks about TFC is that, even if you qualify, there are no obligations with TFC. If you don’t like your rates or fund amount, you don’t have to continue your application. Apply today to see if you qualify because you’ve got nothing to lose.

August 17, 2017

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Ways to Save on a Tight Budget

pexels-photo-416322Budgeting and finding the best way to save a dollar has become a growing trend in an expensive economy. Learning ways to save on a tight budget can be essential.

TFC Title Loans has been assisting their customers with their financial dilemmas for over 20 years. Through our research and our experience with our customers, we have come up with some great ways that you and your family can save money on a tight budget.

Utilities

New rates

Negotiating new rates with your utility providers can get you a deal. If you live in a regulated state where the energy costs are given to one or two providers, then the electric or gas bill may not budge. But, if you live in a deregulated state, utility providers have more competition and you can negotiate.

Explain to them that you need a lower rate, or you will seek a different provider. This usually works when you’re outside of your contract term, so make sure you double check your providers before threatening to leave their services.

Unplug electronics

Even though your computer, TV, or other equipment may be “off”, they still steal some electric power to keep the electronics on sleep mode. Investing in a power strip that saves you energy and cuts the electric when it’s not in use could be a good move. Unplugging electronics is more effective, or making sure everything is completely off.

Seal off drafts

During the cold seasons, any gaps around your doors or windows can waste valuable heating or energy. You can seal them with foam or special “under-the-door” draft stop.

Programmable thermostat

Programmable thermostats are becoming a trend in homes right now. They help you save a lot of money on heating and energy because you can program the air to turn off and on at certain times of the day. When you’re not home, you can keep the air or heating off and program it to turn on about an hour before you come home. Then, you are saving energy or heating for 8 hours on an average work day.

Groceries

Bulk buy

Investing in a membership for places like Costco or Sam’s Club could benefit your grocery bill. If you and your family tend to consume a lot of a certain snack item, milk, cheese, or different meat, then buying in bulk can save you money. Instead of spending $3 on a six pack of popcorn, you could spend $11 on a 44 pack. That could last you longer than your six pack and it’s half the cost.

Meal plan

Meal planning can save you multiple trips to the store throughout the week and also plays into the bulk buying. If you know what to get for the week come grocery day, you’re not buying things that may go to waste or having to make another $100 shopping trip to make dinner.

Less meat

Too much meat can get expensive, especially depending on the type of meat and the amount of people you need to feed. Cutting back meat in your diet is not only good for you, but good for your wallet, too. Getting creative with your meals and the variety can be fun, and potentially a money saver if you make a meal your family really enjoys.

Eating out

Everyone likes to eat out because of the time it can save you, especially for lunches or on the weekends. Eating out too much can add up in price. Pick certain places with deals on days of the week, and pack lunches instead. You can also get great coupons online from websites like Groupon.

Activities & Entertainment

City activities

If you or your children are signed up for league activities, choosing a public league over a private league can sometimes save you a lot more money. Public leagues are not only cheaper in registration fees, but they tend to provide you some of the equipment that private parties make you purchase on your own.

Free/low-cost events

Do research in your local community on free or low-cost events happening around you. Sometimes you can find fun, family events like a movie in the park, reduced admission to a zoo, free museum days, or matinee movie nights.

In the end, movies nights can be cheaper if you have accounts for companies like Netflix or Hulu. Waiting for them to come out a few months after the release can be worth the price and wait. Another great saver is Groupon, once again. They can have deals on activities in your area for group ratings.

Car & Transportation

Car insurance

Car insurance always has different ways to save money. Loyalty programs, driver rewards, club memberships, student grades – so many more. Calling your provider to discuss the different ways you can save will benefit you. Researching your company and the discounts they provide will sometimes be better than outright asking a representative. You also have a lot more wiggle room for threatening to switch.

Walk/bike

Whenever you get a chance, walk or bike to places around your town. If you have kids, this can be particularly fun for them because it’s a change of pace and an adventure. Biking to a nearby park, pool, or even to grab desert can save money on short distances that tend to waste more gas mileage.

Affordable gas

With technology today, there are ways to find the cheapest gas location in your area or on your path of travel. There are apps that help you, and sometimes different GPS apps will tell you a deal. Learn the locations in your area that have a deal, and maybe driving the extra mile or two to the next town over will help save up to 10 cents.

TFC Title Loans Can Get You Extra Cash

If you need a little extra cash now to get you to the end of the month, then call TFC Title Loans. Using the title on your vehicle as collateral, TFC can get you an auto title loan from $2,500 to $50,000. There are no obligations, so apply online to see if you qualify. If you don’t like your offer, you can deny it. If you do, then you’ll be as little as one business day away from your funds!

August 16, 2017

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What Documents Do I Need for a Title Loan?

The number one question we get asked most often at TFC Title Loans is: what documents do I need for a title loan? It is a valid question because a lot of lenders and state requirements are different. If you are trying to determine the answer to your question before you decide to apply for a title loan, then this is the perfect page to be on.

We, at TFC Title Loans, have been working hard since 1994 to make the requirements for getting a title loan as simple as possible. We try to narrow down the list of documents so that there is less work for you while still learning everything we need to know before approving you. We can do this because a title loan is a secured loan which means that the loan has collateral. Your loan amount is determined by the value in your vehicle. We don’t even require you to have a good credit score. We do check your credit but we only do so to ensure that you aren’t currently in active bankruptcy or in credit counseling.

For almost 25 years, we have consistently made our customers our top priority which is why we care about transparency and making sure you understand the entire lending process. To understand better please continue reading. If you decide that you have all the documents needed for your approval and are ready to get started, then fill out our application or give us a call today!

Full List of Documents Needed to Get a Title Loan

  • The original vehicle title showing sole ownership
  • A government-issued identification matching the name on the title
  • Some proof of residency matching the name on the title
  • Your current vehicle registration
  • Proof of vehicle insurance
  • Some proof of income or ability to repay the loan
  • Names and phone numbers of four references
  • Six pictures of the vehicle from all four sides as well as the vin plate and the odometer

Vehicle Documents

  • The original vehicle title showing sole ownership
  • Your current vehicle registration
  • Proof of vehicle insurance
  • Six pictures of the vehicle from all four sides as well as the vin plate and the odometer

The title of your vehicle needs to be free and clear which means that there aren’t any current liens placed on it and that it is paid off. However, there are options for refinancing a title loan that you may have taken out with another lender. In that case the title does not need to be free and clear at first. You can read more about our refinancing offers here. Even though the vehicle should be paid off, we can still help you out if there are a few payments left. We only require that the vehicle is mostly paid off. If you do not have sole ownership of the car, then you should know there are ways of doing the loan with more than one owner on it as long as you are one of them. We require proof of insurance so we are assured that we are protected against loss if something were to happen to the car while our lien is placed on the title. Also, we need a grand total of six vehicle pictures which would include all four sides of the vehicle as well as the vin plate and the odometer.

Identification Documents

  • A government-issued identification matching the name on the title

We require that you present a form of identification so we can verify your identity and match it to the name on the title and registration of the car. If you don’t have a driver’s license even though you own the car then you are also welcome to use a state-issued ID, a military identification, or a passport.

Residency Documents

  • Some proof of residency matching the name on the title

Title loans are not available in every state in the U.S. which is why it is necessary for us to see proof that you live in a state where title loans are available. The proof of residency needs to be dated within thirty days of the time that you submit the documents to us. These documents also help verify your identity along with the identification documents. There are many different documents that can be proof of residency including utility bills, a lease agreement, the deed to a house, an internet or cable bill, or a letter from a landlord.

Financial Documents

  • Some proof of income or ability to repay the loan

It’s necessary to provide some sort of proof of income but that proof of income does not need to be proof of employment. All we need to confirm is that some consistent amount of money is being deposited into your checking or savings account on a regular basis. That money can be from employment, disability benefits, unemployment benefits, retirement, inheritance, or another form of consistent income. That proof of income, just like the proof of residency, needs to be dated within thirty days of the time the documentation is submitted to us.

Reference Information

  • Names and phone numbers of four references

We require references so that we can verify your identity. There is no need to worry about your situation being shared with the references you gave us if you don’t want it to be. We know that many people don’t want their friends or family to know that they are struggling financially or that they are taking out a loan so we make a point not to disclose any information whatsoever when we call your references. We only ask them if they know you and can confirm who you are.

If you are left with any questions whatsoever after learning about all the documents that you need for a title loan, then please give us a call. We have customer representatives standing by who would be happy to answer all the questions that you have. However, if you have decided that you would like to apply for a title loan with TFC Title Loans then get started with our online application today!

August 16, 2017

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Auto Title Loans on a 2003 Infiniti and 2005 MINI Cooper

Since 1994, TFC Title Loans has been one of the leading auto title lenders with locations in California, New Mexico, and Arizona. Our streamlined application process is known for getting you the quick funds you need in as little as one business day. But, don’t take our word for it. Here are testimonials from two customers that took out auto title loans on a 2003 Infiniti and 2005 MINI Cooper.

No matter the reason for your funds, TFC is no questions asked. As long as you have a free-and-clear auto title with your name on it, proof of income, a valid ID, and a financial necessity, TFC has a representative ready to help you with your funds. Here are people with two different dilemmas, cars, and stories that may be similar to yours!

Karen G’s Testimonial

2003 infinitiKaren G needed to find the funds to do some work on her car, as well as pay off some of her credit cards. She went to the web to figure out how she could come up with quick money in a short amount of time. Without the money, she knew she wouldn’t be able to pay for her necessities and her car could quit on her. In her findings, she came across TFC Title Loans and her journey began.

Preforming her online application, Karen was contacted by a TFC Title Loan representative about her 2003 Infiniti FX35. With a little over 151,000 miles on her car, she just wanted to get the most out of her car. When TFC came back with $2,563, Karen was thrilled. It would be the perfect amount to pay for all the things she needed to. Accepting immediately, her representative went to work to come up with her terms.

After agreeing to her terms and interest rate, Karen G walked away with her cash in hand. As she left the office, she told her representative, “Thank you for doing this so fast.” Knowing that we were able to help a customer quickly and in their time frame reassured us that our hard work really is for our customers. Set to pay off her loan by July 2020, Karen plans to pay her loan each month through budgeting and her monthly payment.

Sabino R and His Auto Title Loan

2005 mini cooper (2)Due to an urgent personal dilemma, Sabino R needed to get money and fast. This would be his first auto title loan, and he was a little nervous about the process and the funding. When he called TFC Title Loans and expressed his concerns to his representative, they assured him that they would guide him through the necessary steps.

Sabino told them about his 2005 MINI Cooper with 109,357 miles on it. He was able to get $2,510, which pleased Sabino because that would be the perfect amount for his financial emergency. Extremely pleased with the service he received from TFC, he expressed that the process was “very easy” since his representative was able to guide him through the steps to get the funds that he needed. Because of the help, he even mentioned that the customer experience was “very good” and that the representative was great working with him.

Sabino plans to pay off his loan through working, and he’ll have his loan paid off in full by July 2019. Without TFC, Sabino would’ve had to find friends that could give him $2,510. That’s a lot of money to ask from a friend, but thanks to TFC, Sabino won’t have to worry.

Trust TFC Title Loans

Based on the stories of Sabino R and Karen G, we hope that their stories of great customer experience, fast funds, and easy applications have helped instill trust with TFC Title Loans. We can assure you that we handle different types of financial dilemmas from a wide variety of different people, but everyone receives the same A+ customer service. With our streamlined application, all you have to do is give us a call or fill out the application online.

Even More Benefits With TFC

If you’re still on the fence after these testimonials, here are even more benefits that TFC has to offer:

  • Loan terms from 24 to 36 months
  • Funds up to $50,000
  • Competitive interest rates
  • Ability to drive your car
  • No “perfect” credit necessary

 

August 15, 2017

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How Much Does Home Insurance Cost?

pexels-photo-292737If you are looking into buying a home or are considering moving, you may be wondering how much does home insurance cost? Well, TFC can help answer that question. While we may be an auto title loan lender, we’ve been in the financial lending industry for over 20 years. We’ve helped our clients with a multitude of financial dilemmas. If it’s answers about home insurance you need, TFC can help.

What is Home Insurance?

Home insurance is similar to car insurance as it protects your car against damage or injury to persons. It protects against losses or damage by issues like fires, storms, or burglaries. If someone is injured on your property, it also covers the legal costs and medical payments for that person. Earthquakes and floods could be additional costs to your coverage plan.

For your home insurance payments, your premium payment is usually paid monthly along with your mortgage. Home insurance is almost always required with a home loan. Don’t be surprised if your lender for your home loan requires you to verify proof of home insurance.

What Does Home Insurance Cover?

Your home insurance will cover everything that includes your home like the structure, plumbing, electrical wiring, central air, and heating systems. It will also include other structures on your property like fences or sheds. Anything inside your house that are your possessions like electronics, appliances, or clothes can also be covered.

When your home is getting fixed or repaired, your home insurance will also cover the cost of the hotel room that you have to stay at. The personal liability coverage will also include the medical payments for the person injured on your property.

What Types of Home Insurance Are There?

There are different types of insurance ranging from HO-1 to HO-8. Most average homeowners will purchase the HO-3. This includes the liability cost, fire, wind, and theft, but does not include damage from floods, earthquakes, wars, or nuclear accidents. HO-1 and HO-2 will cover less than HO-3, while HO-4 is for tenants and renters.

If you live in a state where there is high risk for flood or earthquake, like California, then some insurance or loan companies will require you to purchase the additional coverage for floods or earthquakes.

How Much Coverage Should I Purchase?

When it comes to purchasing coverage, you want a plan that will cover 100% of the costs to rebuild your home. These are the typical types of coverage:

  1. “Actual Cash Value” coverage: This pays what the home was worth at the time of destruction, before the damage occurred.
  2. “Replacement Cost” coverage: Pays more of a comprehensive value of the home, before the depreciation.
  3. “Extended Value” coverage: This will cover 20-30% of the policy coverage limit. If you have a $100,000 policy, it will pay $120,000-$130,000 coverage.

We suggest going with the more comprehensive plan to make sure you’ll be able to account for all the damage your house receives. We also suggest a comprehensive plan for covering the contents of your home. When choosing your liability, you want it to cover the total amount of money for your financial assets: home, retirement accounts, investments, anything worth money.

Don’t forget living in a high-risk location may require any extra coverage for the flood and earthquake damages. Some of the biggest losses recorded for home insurance damage are as follows:

  1. Wind and hail
  2. Water damage and freezing
  3. Other property damage
  4. Theft
  5. Fire, lightning, and debris

What is the Cost of Home Insurance?

To put it into a broader perspective, for every $100,000 home value you may pay about $35 per month. The U.S. average per year is $1,083. The lowest location is in Oregon where they only pay $574 average per year and the highest is Florida with a yearly payment average of $2,055.

Below are the locations where TFC holds offices:

  • Arizona: $64/month, $765/year
  • California: $81/month, $974/year
  • New Mexico: $78/month, $937/year

TFC Title Loans Helps Damaged Homes

Do you need to cover the cost of a home damage? Maybe you just need extra cash to pay your mortgage? Whatever the reason may be, TFC Title Loans can help get you back on your feet with auto title loans in your area. You could get between $2,500 and $50,000 in funds. And, you continue driving your car while you pay off your loan. Don’t let a messy problem stress you out! Call TFC Title Loans today and get your money in as little as one business day.

August 14, 2017

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Auto Title Loans on a 1999 Jeep Wrangler and 2011 Nissan Altima

With summer nearing its end, we realize all we’ve done is work but we’ve got nothing to show for it. Sometimes, with the stress of life and our work lives, we just need a vacation. But, what happens when you don’t have the funds for a vacation? Well, TFC Title Loans has the answer for you from two people who decided to use auto title loans on a 1999 Jeep Wrangler and 2011 Nissan Altima to pay for their vacations.

TFC Title Loans has been helping people pay their bills, expenses, and go on vacations for the last 25 years. Our customers are always our priority, so we want to make sure you trust us with your finances like many of our other customers have. Two of our customers have agreed to share their experiences with you to show our attentive service.

Aymer G’s Experience

596517d3-db9c-4dba-8b6d-0e0ec0a87ac9 596517e9-6280-4031-9050-0e7bc0a87ac9All Aymer G wanted to do was take a vacation for summer 2017. He knew by the time he saved up his money, it would no longer be summer and it would be difficult to take that vacation. The only solution he could come up with on his own was borrowing from some friends. Talking to someone he trusted about his predicament, they told him about TFC Title Loans. Aymer didn’t know much about auto title loans, but his friend assured him that he would be in good hands. Trusting their great experience, he decided to take a chance.

Aymer contacted TFC Title Loans using his 1999 Jeep Wrangler and explained that he really hoped to get about $3,000. With 118,114 miles, his representative wasn’t sure they’d be able to give him that amount. When they saw the condition of his car, TFC Title Loans was more than happy to give him $3,000 with a low interest rate. Aymer was very pleased to hear his offer.

Signing his terms, he was able to get his money “fast and easy”, as he told his representative. Aymer plans to save his money after he gets back from vacation in order to pay off the loan. With his 36-month term, he has until July of 2020 to pay off his loan. Since he plans to save his money, TFC is positive he’ll have it paid off sooner than that. With no prepayment penalties, Aymer G can with TFC Title Loans.

Quick Funds for Odise B

Odise B’s wife was planning for a vacation when she realized that she would be short the funds. Odise knew he had to figure out a way to make up for those funds and fast. Hearing about auto title loans, he checked out TFC Title Loans. He liked what he read about our company so, with his documents for his 2011 Nissan Altima in hand, he gave us a call.

For Odise, his process took one day because he knew there was no joking around and time was of the essence. He had about 86,000 miles on his car, so TFC Title Loans offered him $2,510. He immediately accepted his terms and price. By the next day, he had his money.

After signing his 24-month agreement, Odise told us he planned to pay off his loan as soon as possible because his income would be able to pay it. He just needed that money for his wife right away, and if he hadn’t found the money, he didn’t know what he’d do.

Your Experience with TFC Title Loans

Both of these customers were able to provide for their vacations with TFC Title Loans and get what they needed from their agreements. If you’re not convinced by these testimonials, check out these benefits that you can take advantage of with TFC Title Loans:

  • No prepayment penalties
  • Loan terms from 24 to 36 months
  • Continue driving while you pay off your loan
  • Funds in as little as one business day
  • Attentive customer service
  • Competitive interest rates

What are you waiting for? If you’re not sure about your chances of qualification, give TFC a call at 1-844-242-3543. Our representatives are waiting for your call! If you’re not happy with your terms, there’s no obligation to continue and no fees for declining. You’ve got nothing to lose, but a lot to gain.

Applying with TFC Title Loans

If you’re ready to apply for your loan, then follow these steps below:

  1. Complete your application online and submit.
  2. Provide your documents to your representative.
  3. Sign your loan agreement and receive your funds!

Yes, it’s that easy. The application process will take you about 5 minutes to complete and, like Odise B, as long as you’re prepared you can have your funds in as little as one business day! Get started today!

August 11, 2017

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Auto Title Loans on a 2008 Ford and 2006 Chrysler

Our customers are constantly telling us how attentive our customer service is and that we’re understanding towards life’s dilemmas. We have a variety of people come in with the same variety of problems. In the end, we understand that there are bills and expenses to cover that we didn’t plan for. Two of our customers took the time to tell us about their experiences with their auto title loans on a 2008 Ford and 2006 Chrysler.

Richard L and his 2008 Ford F-350

596fa34d-82fc-4785-81ed-1cabc0a87ac9Richard L ran into some money trouble when his other car, a Hummer, had some issues. He realized that he was going to have to pay for the problems that arose with his Hummer, but didn’t know how he was going to come up with the funds to fix it. He didn’t have any plans, so he turned to TFC Title Loans in Arizona.

Finding us online, Richard applied for a title loan in the hopes that he would get the money he needed. It was the first title loan he’d ever received, so he didn’t know what to expect. After choosing to use the title on his 2008 Ford F-350, TFC was able to offer Richard $10,000 for his car, even with 128,872 miles on it. Richard was very pleased with that amount and agreed to his terms.

After coming to pick up his funds, Richard told us that our process was so simple and easy to go through, and that our customer service was fantastic! Richard agreed to a loan term of 36 months, which means he is set to pay off his loan by July 2020. We know he plans to pay it off as soon as possible, and he can pay it off whenever he wants! Richard gets to take advantage of one of the many benefits of TFC Title Loans: no prepayment penalties. Seeing Richard L. walk out of our store with the funding he needed to fix his Hummer, we were happy that another customer experience had gone so well.

Alec K’s Story

59861008-181c-48c4-957f-6006c0a87ac9Alec K found himself staring at the bills piling up on his table, wondering how he could catch up. Like Richard, Alec didn’t know how he was going to find the funds to pay for his bills. He jumped up the computer and, in a matter of minutes, was led TFC Title Loans’ website.

Alec decided to apply for a title loan with TFC Title Loans using his 2006 Chrysler 300. With 125,224 miles, he hoped that he could get a good deal for his car. This was also his first title loan, so he wasn’t sure how it would work out for him. TFC Title Loans was able to offer him $2,510 for his Chrysler. At first, he mentioned how the payments seemed a little high. We understood that he did have other bills to pay, so we were able to lower the interest rate for him to a reasonable number.

Agreeing to a term of 24 months, Alec should have his loan payed off by August 2019. Of course, like Richard, he can take advantage of our prepayment benefit and can pay more than the required amount.

Alec expressed his concern about the closest office to him which was more than 50 minutes away! He agreed to a notary, and we were able to wire the money to his bank. This helped him a lot because he didn’t have to take a 2-hour trip just to get his money. After confirming that he got the funds, he told us that his experience with TFC Title Loans was great and the process was simple. He expressed his gratitude to our customer service and our helpfulness to get him his funds. Another customer happy puts more smiles on our faces.

Your TFC Title Loan Experience

Start your simple and quick journey with TFC Title Loans today! After the two different scenarios of Richard L and Alec K, we hope we’ve been able to show you our amazing customer service that is on standby to help you! Like Alec and Richard said, our process is so simple:

  • Fill out an online application and submit your request.
  • Submit all your documents and pictures for proof of ownership, income, and car condition
  • Receive your funds in as little as one business day!

They weren’t lying when they said it was quick and easy. What are you waiting for? Get your auto title loans with TFC Title Loans today!

August 10, 2017

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How Much Does It Cost to Build a Tiny House?

pexels-photo-206673The latest trends in the real estate business these days are the tiny houses. They’re innovative and, let’s face it, pretty cute. Whether you’re a low maintenance individual or you want a stylish camper to take on your road trips, building a tiny house could be for you. What you’re probably thinking is: “But, how much does it cost to build a tiny house? ”

TFC Title Loans has done the research for you! While we may not be a real estate expert, TFC Title Loans has been one of the leading lenders in the auto title loan business for 20 years. We help our customers in any way we can, even if it’s telling you how much a tiny house would cost.

DIY vs Contractor

To start, unless you have experience with construction, we highly suggest you hire a contractor. Your potential home is not the place to make DIY mistakes. They can cost you big and that’s a price that could’ve gone to a contractor.

With that being said, if you plan to build your own home, be ready to dedicate a lot of time. From people who have built their tiny house or are still building, they spend an average of 18 hours, 7 days a week for years. One builder has been building for two years, is still building, and has spent $6,500. Another is still building and has been for 10 years, but has only spent $1,500. On the other hand, someone who finished their home spent a total of $15,000.

When hiring a contractor, you have to think about the things you’ll want in your house. You have to choose what kind of systems you want running and the size. The Tumbleweed Tiny House Company, currently the nation’s leading tiny house contractor, has homes listed from $57,000 to $70,000.

Space

When brainstorming the space you need, remember that it won’t be just a place to sleep in. You have to include space for storage, appliances, sleeping, stretching room, and privacy if you have people living together with you.

You should plan for 100 square feet a person. New construction averages at $125 per square foot, or personalized construction that can be up to $500 per square foot. Keep in mind that the more square footage you have, the cheaper the cost per square foot will be.

Systems

Electric

For electricity, you have two choices: a local power grid or renewable energy. A local power grid will depend on how close you will be to one. The average will be about a couple hundred, unless you’re running it into a source from yards away which could mean up to tens of thousands of dollars.

Renewable energy could also be pricey. The $15,000 home mentioned before had half of its cost go to an off-grid solar panel construction.

Water & Gas

It’s suggested that you plan to spend 30-40% of your capital on water and gas. With a sewage pipe, it depends on your location. If you’re in the middle of nowhere and will need to build a large sewage pipe to reach you, that will cost more money than you want to ever spend. With gas, the same rules apply.

Location

In order to build your house, you’ll need a property to build it on. Cheap property is cheap for a reason. Either the land is unstable and built on a potential sinkhole or it’s hard to get any connection to your systems.

The same goes for getting closer to civilization. It will cost more money. An average farm real estate property in the U.S. goes for $3,000 an acre.

Bare Minimum

Houses that are supplied with the bare minimum range from $500 to $8,000 with an average of $4,000. This house would be equipped for a single person. It would be small, have enough room to sleep and store clothes, and maybe a fire pit to cook on. This would be for someone who intends to use it for camping or go off the grid.

DIY

If you’ve decided to build your home on your own, it will cost you from $5,000 to $40,000, averaging at about $20,000. This would account for basic electric, appliances, and enough for one to two people. There wouldn’t be much interior decorating, but it would be a home.

Contractor-Built

Contractor-built tiny houses can range from $10,000 to $80,000 with an average of $35,000, which is only $15,000 more than the DIY average. These homes will equip more people, and allows you to design it with all the major items and systems you need. Like any home, the more personality you put into it, the more it will be.

Auto Title Loans with TFC Title Loans

If you’re trying to get a jump start on your tiny home or need some extra money to decorate, consider auto title loans with TFC. By using your car title as collateral, we can get you the fast cash that you need to pay for any expenses or bills that pop up in your life. In as little as one business day, you can walk out our doors with your money. TFC has the most competitive rates in the business, so you can trust us to give you a great deal. Give us a call today and get your funds!

August 8, 2017

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How Much Does College Cost?

pexels-photo-207696It’s about that time to start thinking about college for seniors in high school, or even those who don’t completely understand what they’ll be paying for this fall. College can be a stressful time, especially when it comes to the cost. So, you’re probably wondering, “ how much does college cost? ”

TFC Title Loans knows a bit about how loans work, so we wanted to help you calculate what you’ll be paying for when you take out those loans for college. We also want to make the lives of our customers stress free, so we’ve even offered ideas on how to pay for it.

Tuition

Each school bases their tuition on whether you are attending a semester or quarter university. Each semester/quarter they bill you your tuition. For in-state students, you usually get a good deal compared to those attending from out-of-state. They tend to pay double that of an in-state student.

It also varies by major. If a student is majoring in the sciences, engineering, computing, pre-med, or fine arts, they will pay more than others.

The College Board reported that the “moderate” budget for in-state public tuition for 2016-2017 was $24,610 where the budget for in-state private tuition was $49,320. In actuality, private schools will offer more money for grades and academics than public, so students are only paying an average of $27,800 for private tuition rates.

Fees

While most schools include fees into their tuition rates, it’s still important to plan for them because they could be less if you live off campus. Schools will charge fees for transportation to campus like buses, library use, student government, athletics, and labs. According to the College Board, without room and board, the average yearly tuition and fees is $9,410 for in-state students at a public university, and $32,410 for students at a private university.

Housing and Meals

Each college has a variety of dorm options with different meal plans for those who live on campus. The average housing and meal plan for a four-year public university is $10,440 and a private university is $11,890.

Even if you choose to live off campus, you have to calculate those costs into your college budget. If you choose to live from home to save more money, make sure you’re calculating that transportation.

Books and Supplies

Every class requires you to buy books or other course materials. The average cost for a four-year public-school student is about $1,250, while for a four-year private-school student is $1,230. You can always lower that by purchasing used textbooks or renting them from online websites.

If it’s your first year as a student, don’t forget to factor in personal costs for a computer and accessories. Depending on the major and what kind of programs you’ll need on the computer, that could be an average of $400 for a PC while a Mac can be more than $1,000.

Financial Aid

One of the perks of school is that you can apply for financial aid. FAFSA will base your financial need off of your parents income or yours, depending on what you and your parents claim on your taxes. Most of the time, a school will give you scholarship money, or you can get grants from the government. A lot of your financial aid could be loans from the government. You don’t have to start paying them off until months after you graduate. If you use the average tuition amounts listed previously, over four years, a public college can cost you $98,400 living on campus or $197,280 living on campus for a private college. While that’s not including scholarships, it still can add up over the years.

We suggest you apply for as many scholarships as you can. For example, TFC Title Loans offers a scholarship for those majoring in Financial Mathematics, Business, Finance, or Economics. It’s an award for $2,000, which could cover all your books and supplies! Apply today for our scholarship by going to TFC Title Loans Scholarship for Financial Innovation.

Other Funds with TFC Title Loans

If you’ve already received your financial aid or paid for your schooling but need some extra cash for spending or to pay a bill, consider an auto title loan with TFC Title Loans. We use the title of your car as collateral and give you the money that you need. The best part is you can still drive your car as you pay off the loan. You could receive anywhere from $2,600 to $50,000! Don’t hesitate to contact us with any of your questions.

August 4, 2017

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How to Sell a Car

pexels-photo-173390Purchase a new car recently? Do you need to get rid of a car? You may be wondering how to sell a car.

TFC Title Loans has been helping customers with auto title loans since 1994. We assess the values of our customers cars in order to determine their car loan. While we don’t sell cars, we want our customers to get the best prices for their cars when they decide to sell them. Here are some guidelines to follow when selling your car.

Know the Market

Before you try to sell your car, figure out the type of market you are going into. It will depend on your car versus the demand.

  • Family sedans are always in demand. They help get people from place to place, and shopping in a private market usually can get those people a great deal.
  • Convertibles and sports cars tend to be seasonal. When it’s sunny and nice out, people are motivated to buy nice cars. During the winter and fall when it’s cold, they don’t want to buy a car they can’t drive for another season.
  • Trucks and vans are a steady but competitive market. Don’t waiver too much on the price negotiations.
  • Collector cars will be a harder market to sell. You will have to search for specific places to sell them like showcases or websites, but when you do find the right buyer it will be an unexpected price.

Check local classified ads and keep note of the year, condition, location, and mileage to how much they price it.

Price Competitively

To price your car correctly and fair, try using an online appraisal took like Edmunds or Kelley Blue Book. This could give you a ballpark range of what your car is worth. Ultimately, you’ll have to go with your intuition because you know how it runs under the hood. When pricing, ask for slightly more than what you are willing to accept. It gives you wiggle room when offers try negotiating lower.

Curb Appeal

You want your car to look its best, so put a little more detail into your car than you normally do.

  • Wash and vacuum, maybe get it detailed if there are any stains
  • Make sure it’s mechanically sound and there aren’t any major dents or scrapes
  • Consider low cost repairs that could make selling the car “as is” easier
  • Clear out any junk that may “personalize” your car
  • Wipe off brake dust and treat tires
  • Clean windows and mirrored surfaces
  • Wipe down the dashboard and cup holders/ashtrays
  • Have all the maintenance records on hand
  • Take care of routine servicing and oil changes

Advertising

Post your car places that you’ll see the most traffic. Be ready to take calls and texts since this will be your main form of communication with buyers.

  • Websites: AutoTrader.com, Craigslist.com, and eBay Classifieds
  • Social media: Use social media to let your friends know you’re selling and to share it with their contacts
  • Peer-to-peer sites: Beepi, Carvana, Tred, and Zipflip
  • Message boards: car forums have classified sections to list cars
  • Word of mouth: Tell your friends, family, and co-workers, and make them tell your friends
  • The car itself: the old-fashioned way with a “For Sale” sign in the window

Include key words:

·         Must Sell!

Indicates you want it gone and are in a rush to sell. This can attract others who are rushing to buy a car.

·         OBO

“Or best offer” tells them that you are willing to entertain offers below the price.

·         Asking price

It’s a level lower on than the urgency of “OBO”, but still allows people to know you are willing to negotiate.

·         Firm

This means you are not about to negotiate and only want serious offers.

Showing Your Car

When taking calls and requests to see the car, go with your intuition. If you feel put off or they seem to act strange, then don’t take their offer. You will find someone that wants the car who you trust coming to your house.

There will be people that want to test drive your car. Make sure they have their license and ride along. If they don’t know the area, you might need to guide them.

Some people may also request a mechanic report. You can avoid this by getting one before you start selling your car. Even if you have one, some people might want their personal mechanic to look at it. If you’re concerned with them stealing the car, offer a time you can go with or decline.

Complications

If there are some bigger problems that may need repairing, you could come into a problem with offers. If you put “as is” on your ad, highlight that to the buyer so they know they are buying everything with the car: the positives and negatives.

Know when to draw the line. If a mechanic report keeps listing all these problems or near future problems, there has to be a point when you point out the specs of the car. Especially with older cars, they’re going to get problems no matter where they buy from. If the buyer doesn’t want to deal with issues, they could get a newer car. Know what kind of buyer you’re talking to.

Final Sale

Check with your local DMV to prepare any of the paperwork that you’ll need to transfer the title. If you don’t want to be liable for an accident after the sale, look into the release of liability wavers at your DMV. Finally, make sure you notify your insurance of the sale and release of car.

TFC Title Loans Can Help!

If it’s money that you need and you’re considering selling your car, come to TFC Title Loans! We base a loan on the value of your car with competitive rates. The best part is you get to continue driving your car as you pay it back. Give us a call to see if you qualify today!