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To qualify for any cash loan in the United States, you must be of age. This means you are at least 18 years of age and are considered a legal adult. In the US, this is done to prove that you are able to understand a loan contract for a cash loan, which often has high-interest rates. If you are a young borrower or your family member is, consider all of your options before choosing a cash loan

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Unsecured Cash Loans

A cash loan is a loan that does not require collateral. This could also be a credit card cash advance or any other type of unsecured funding. If you are a young person, you might not have had enough time to build a substantial credit score or credit history. This often leads to lenders giving you high-interest rates when you apply for unsecured loans. 

Payday lenders and other loan issuers want to keep you in debt. High interest rates lead to a cycle of debt, which gives you bad credit and an unstable financial situation. This can make it impossible to apply for student loans without a family member as the co-signer! As you are a young person building your credit report, you need to search for loans that make the repayment process easy and affordable. This can help your credit history build, even if you have poor credit!

How Does My Credit Score Affect My Ability to Get a Cash Loan?

Your credit report consists of many factors and is influenced by your financial habits as an adult. There are three credit bureaus that decide your credit score: Equifax, TransUnion, and Experian.  

As you accumulate debt and repay it, your score will be impacted and changed. How much debt you have, how timely you make your payments, and your type of debt will all contribute to your credit score. If you miss payments, or if you have a high utilization of debt, this could impact your credit score. Low credit scores will often mean that you receive poor interest rates, as lenders will consider you a liability for some types of loans.

Alternatives to Cash Loans for Young Adults

If you are a young adult in need of cash and you own a vehicle, a car title loan can be the better option. Most lenders will offer lower interest rates, as title loans are secured with collateral. Through Max Cash® Title Loans, we can help you find the right lender for your financial situation, and avoid high annual percentage rates. Even if you do not have good credit yet, you can still qualify for a title loan!1

Where Can I Apply for a Title Loan?

Here at Max Cash Title Loans, we can make the application process hassle-free. With a title loan, your eligibility does not depend on your credit history or a credit check. Instead, it depends on the value of your vehicle and your income! This is because title loans are secured installment loans, secured through collateral. In this case, is the title of your vehicle. Many online lenders are not focused on your credit score in the loan application process, and instead will focus on those two factors for criteria. 

Title loans Oswego Illinois
Finance manager of the car showroom is calculating the cost of reserving a new car for the customer while signing a car purchase contract.

The loan amount you receive from a title loan will depend on the value of your car and your income as well. Generally, most online title loan lenders will offer you 25%-50% of your vehicle’s value for a loan if your income will support those payments. Through Max Cash Title Loans, we can help connect you to the right lender to apply for a title loan! You won’t need to spend hours searching for the right loan for your financial situation. We are the #1 nationwide title loan marketplace, and we’ve got your back!

How Do I Apply for a Title Loan?

To apply for a title loan with Max Cash Title Loans, you have a few options. You can apply for an online title loan or call one of our representatives at 855-561-5626! Or, if you are in the right area, you can apply with us in person.

In order to apply for a title loan, there are a few things that you will need.

  1. Source of Income: This is the biggest piece to the puzzle! You will need to prove that you have the ability to repay the loan. While you do not need a traditional 9-5, your checking account or bank account statements will show that you are earning an income and can afford monthly payments. If you have Social Security payments or retirement income, this will count as proof.
  1. Title to the Vehicle: In order to qualify for a title loan, it must be in your name. 
  1. Proof of Identification: You will need a government issued photo ID to prove that it is you! Your passport, driver’s license, or even your FOID card will qualify as proof.
  1. Proof of Residence: A recent utility bill or mail to your address can qualify as proof of address. 

If you have these documents handy, don’t wait to apply for the funding you need! Get started with us today by filling out a short inquiry form online. Or, feel free to give our loan agents a call today at 855-561-5626. We are available seven days a week for your convenience!