ChoiceCash Title Loans in Kansas
The state of Kansas is nicknamed the “Sunflower State,” although it has many other nicknames to those that call this state home. With vast prairies and plains, Kansas has beautiful scenery that stretches over historic territory.
Kansas is known for tallgrass prairies, as well as being the home to the American Buffalo. A little-known fact is that Wichita, Kansas is home to one of the nation's top plane manufacturing cities. What can now be more known, however, is that residents of this historic state are able to invest in finances other than plane manufacturing.
ChoiceCash Title Loans, serviced by LoanMart, are available for residents to inquire about. This type of funding could help alleviate financial burdens for Kansas residents 1.
What is a ChoiceCash Title Loan Serviced by LoanMart?
A ChoiceCash Title Loan is a unique type of title loan available for residents in Kansas to inquire about. As with most vehicle title loans, a ChoiceCash Title Loan will require the use of a valid car title as collateral in exchange for funding in Kansas.
For residents in Kansas, getting approved for a ChoiceCash Title Loan can be easy1. ChoiceCash Title Loans offer eligible Kansas residents flexibility, extended loan terms, fast loan approval, and potentially lower interest rates1.
Choosing a ChoiceCash Title Loan in Kansas could help you with your financial burdens.
How to Get a ChoiceCash Title Loan in Kansas
One of the great advantages of choosing ChoiceCash Title Loans for financial freedom is access to a simple approval process1. Residents of Kansas can expect a four-step process:
1. Initial Inquiry
The ChoiceCash Title Loan inquiry process can be completed entirely online. Applying takes only a few minutes and will require basic information. A loan agent will then contact you afterward to request some documents.
2. Turn in Documents
To complete the loan inquiry process, a loan agent will request paperwork to verify your identity and provided information. These documents can help a loan agent determine a loan amount.
3. Receive Approval
After a loan agent reviews your documentation and information, an approval decision will be made. The approval decision will be largely based on your vehicle’s value and your ability to repay the loan. The loan agent will discuss the loan terms with you and a repayment schedule will be decided.
4. Receive Your Funding
With ChoiceCash Title Loans, choosing how to receive your approved funding is another advantage for those who borrow. After you have received approval, the last step is to decide how you would like to receive your money.
- Direct Deposit
- Receiving a Check in the Mail
- Getting a Money Transfer
- Visiting Your Closest MoneyGram Location
If there are any additional questions you may have about the ChoiceCash Title Loan process in Kansas, a helpful loan agent can be contacted at 1 (888) 742-7153.
Frequently Asked Questions about ChoiceCash Title Loans in Kansas
If you are looking for more information on the ins and outs of a ChoiceCash Title Loan, the answers are fairly simple to find. Along with the approval process for a loan, there are other important details to know when choosing this type of lending.
Here are some frequently asked questions and the answers for residents in Kansas:
- Why were ChoiceCash Title Loans Created?
- How will Credit History Affect My Eligibility for a Loan?
- Why Choose ChoiceCash Title Loans Serviced by LoanMart for Lending in Kansas?
- Do I Have to be a Kansas Resident to Get a ChoiceCash Title Loa
- What will Repayment for a ChoiceCash Title Loan Look Like?
- What Can the Money from a ChoiceCash Title Loan be Used For?
- Can I Get a ChoiceCash Title Loan in Kansas with Bad Credit?
- Can I Refinance My Title Loan in Kansas?
- What If I Default on My ChoiceCash Title Loan?
- Why is ChoiceCash Title Loans Superior to Other Loans in Kansas?
- What will I Need to Qualify for a ChoiceCash Title Loan?
- More Details on a ChoiceCash Title Loan in Kansas
- Where Can I Get a Title Loan in Kansas?
Why Were ChoiceCash Title Loans Created?
ChoiceCash Title Loans were created for a few different reasons. The most prominent reason is to help people from different financial backgrounds receive the emergency funding they need1. A ChoiceCash Title Loan is a unique type of title loan that provides financial support to those who may have a hard time acquiring a traditional loan from a bank.
Here is what ChoiceCash Title Loans are set up to do:
All persons should have access to the funding they need. There are all kinds of loans available in Kansas, but ChoiceCash Title Loans may be one of the best options. With flexible eligibility requirements that do not rely solely on credit for approval, borrowers experience better service.
At ChoiceCash Title Loans, you can expect real human connection that is compassionate. This makes for a vastly different lending experience in Kansas.
On top of being a compassionate lender, ChoiceCash Title Loans offer loan rewards for borrowers who simply pay their loan on time!
How will Credit History Affect My Eligibility for a Loan?
With other forms of lending in Kansas, loan approval may heavily rely on credit for potential eligibility. In order to check a person’s credit history, the lender will traditionally perform a credit check on the borrower. There are two different forms of credit checks: hard credit checks and soft credit checks.
With soft credit checks, the loan inquiry will not impact an applicant’s credit. However, a hard credit check will likely impact one’s score. When it comes to working with ChoiceCash Title Loans, a hard credit check will be performed only when an inquirer chooses to proceed with the approval process.
When applying for a ChoiceCash Title Loan, numerous factors will be considered, such as:
The Applicant’s Income
A borrower will have both their annual and monthly income analyzed. This will be used to figure out the value of the loan, as well as the monthly payment amount. When providing proof of income, it is recommended that you show all sources of income to ensure you receive the best terms.
The Equity of The Vehicle
The most highly considered factor in the approval process is the equity of the vehicle. The vehicle’s equity will help to determine the value of the loan.
Why Choose ChoiceCash Title Loans Serviced by LoanMart for Lending in Kansas?
Exceptional Customer Service
A Fast and Easy Process1
Honesty and Transperency
Competetive Interest Rates3
Years of Knowledgeable Experience in the Lending Industry
Compassion with Lending
Choosing the right lender in Kansas can make or break getting out of a less than ideal financial situation. With ChoiceCash Title Loans, you’ll have access to flexible loan options and excellent customer service to help you acquire financial stability1. With experience funding customers from all different financial backgrounds, ChoiceCash Title Loans could provide one of the best loan options in Kansas.
Do I Have to Be a Kansas Resident to Get a ChoiceCash Title Loan?
If you are thinking of taking advantage of the great benefits that ChoiceCash Title Loans has to offer through a title loan in Kansas, know that you must be a resident of Kansas. A reason for this is that the laws and regulations of where you currently reside may not allow you to obtain a title loan. If you are not a resident of Kansas, not to worry, as ChoiceCash Title Loans are offered in various other states as well.
What Will Repayment for a ChoiceCash Title Loan Look Like?
If you are interested in taking out a ChoiceCash Title Loan, you may be wondering what the repayment process will look like. The repayment process can be easier than all other aspects of the process.
When repaying a loan, ChoiceCash Title Loans will offer a multitude of repayment methods, such as:
- Pay by Phone
- Visit a Payment Location
- Pay through an Automatic Bank Payment
- Mailing Your Payment
- Pay Online through Your Account
The minimum title loan payment amount will depend upon the loan value, repayment term length, as well as the interest rate. These factors are decided during the loan approval process, so the applicant can decide what repayment plan is most optimal for their current financial situation. The loan payment will generally be due every month at the agreed upon date.
One of the benefits of choosing ChoiceCash Title Loans in Kansas is that the loan repayment process can be extended up to three years3! This gives borrowers plenty of time to repay their loan without high monthly payments! If a borrower decides to repay the loan early, they can do so without pre-payment penalties.
What Can the Money from a ChoiceCash Title Loan Be Used for in Kansas?
A lot of people face financial hardship for various reasons. Regardless of why a Kansas resident may be facing a financial crisis, emergency funding could potentially help ease that burden.
Some of the most common ways that past borrowers have used their funding include:
Emergency Travel Costs
Emergency travel expenses can be burdensome and costly, regardless of where you may find yourself travelling to. Airplane tickets, hotel rooms, and other travel associated costs can add up quickly. When residents of Kansas need to travel for an emergency, having some extra funds can be helpful.
Relief from Debt
For those who find themselves stuck in debt, financial relief can be a relief. Dealing with debt can mean dealing with a cycle of stress. No matter what kind of debt you have, ChoiceCash Title Loans could be the answer to regaining financial stability in Kansas.
Car and Home Repair
Owning either a car or a home can be costly, as they require maintenance and costly repairs. Whether it may be a faulty transmission or a leaky roof, obtaining a ChoiceCash Title Loan could help cover those high costs1. While others may dip into their savings to cover the expense, using a title loan could be more efficient.
A loss of a loved one can be devastating enough without having to stress about finances. Funeral costs can average anywhere from $7,000 to $10,000 depending on the service. Instead of dipping into a savings account, some people choose to acquire a ChoiceCash Title Loan, which could significantly help.
Can I Get a ChoiceCash Title Loan in Kansas with Bad Credit?
Even if you have less than ideal credit history, you may still be able to get the funding that you need through ChoiceCash Title Loans1. One of the benefits of choosing a flexible lender such as ChoiceCash Title Loans is the ability to have access to a flexible approval process. While other loan options in Kansas may only rely on credit for approval, ChoiceCash Title Loans will consider all contributing factors rather than solely the applicant’s credit history.
As a result of using collateral to secure the loan, the approval process can be much more flexible. While credit is still considered during the loan approval process with ChoiceCash Title Loans, it is not the most important factor. The car’s equity and the borrower’s ability to repay a loan are considered much more important during the inquiry process.
Can I Refinance My Title Loan in Kansas?
If you have found yourself in over your head with debt, or you are unable to keep up with your current payment plan, refinancing could be your best option. Refinancing a loan can mean potentially receiving lower monthly payments, lower interest rates, and longer repayment terms.
Refinancing is an option that may be available through ChoiceCash Title Loans and doing so could help keep you from potentially defaulting on your loan1. Refinancing your title loan when you have found yourself unable to keep up with payments can be an ideal solution.
When you refinance your loan through ChoiceCash Title Loans in Kansas, you will have access to a few advantages, like:
If you have found yourself with multiple forms of debt, refinancing could help consolidate all your debts into a single loan that makes repaying easier and less confusing. By refinancing with one lender you then have only one bill to worry about!
One of the most common reasons that Kansas residents need to refinance is because financial circumstances have changed, and the current rates are too high. Lowering interest rates can possibly mean lower monthly payments, which could save you money in the long run.
Get a Better Loan
If you obtained a title loan that is no longer suitable for your financial situation, refinancing your loan could get you a better deal to work with your new budget. While there are advantages to refinancing, it is important to make sure that your new loan is beneficial to your finances. Check for factors that will improve your loan situation, such as lower interest rates and lower monthly payments. With ChoiceCash Title Loans, you could obtain beneficial terms when refinancing1!
What If I Default on My ChoiceCash Title Loan?
Defaulting on a loan means that you are not complying with the terms set forth in the agreement you signed. If you default on your ChoiceCash Title Loan, you may feel helpless. With other loan options in Kansas, default may mean having your car repossessed immediately. However, with ChoiceCash Title Loans, compassionate lending is what you receive.
Financial hardships can occur when least expected. If you have found yourself unable to repay your loan, you may still have options. Some of these options include:
- Communicating with Your Lender
- Refinancing Your Loan
- Making a Healthy Financial Budget
With ChoiceCash Title Loans, engagement between the loan agent and the borrower is a must. When a borrower becomes unable to keep up with their loan responsibilities, they are encouraged to reach out to their agent in order to find a solution.
With ChoiceCash Title Loans, you may be able to acquire a better financial solution to your current situation rather than getting your vehicle repossessed. Instead of losing your main mode of transportation, speak to a ChoiceCash Title Loan agent and let them help you come up with a plan of action.
Why are ChoiceCash Title Loans Superior to Other Loans in Kansas?
While many different types of funding exist in Kansas, very few lenders can compete with the innovative benefits and flexibility offered through ChoiceCash Title Loans.
Some benefits that set ChoiceCash Title Loans apart include (but are not limited to):
Flexible Loan Terms
One of the most prominent factors of a ChoiceCash Title Loan is the immense flexibility when it comes to loan terms and options. ChoiceCash Title Loans were created to provide individuals with a superior funding option, regardless of financial history1. With options for almost every financial situation, ChoiceCash Title Loans is above much of the competition.
Fast Loan Approval
For residents in Kansas, ChoiceCash Title Loans could mean an easy, stress free inquiry process that takes as little as 5 minutes1! Even better, eligible borrowers could receive their approved title loan funds in as little as 24 hours1!
With many other Kansas loan options, there are no such things as rewards for borrowers. Lending is typically a one-sided transaction that benefits the lender. With ChoiceCash Title Loans, those who continually make steady loan payments on time could earn low monthly payments and rates that get even lower every single month2!
Accessible to Many
ChoiceCash Title Loans were created to be accessible to people of various financial backgrounds. ChoiceCash Title Loans aim to help more people in Kansas by accepting a wide variety of credit histories1.
Keep Your Car
Since your car title is used as collateral, the loan becomes secured. But unlike other some other secured title loans, ChoiceCash Title Loans let the borrower hold onto their vehicle while making their monthly payments! This means you don’t have to rely on a vehicle sharing app or friends to get where you need to go!
What will I Need to Qualify for a ChoiceCash Title Loan?
Qualifying for a ChoiceCash Title Loan can be simple and fast for Kansas residents1. With ChoiceCash Title Loans, searching for one of the best deals on a loan does not need to be a hassle. To apply for a ChoiceCash Title Loan, complete the quick online inquiry form, which takes only a few minutes and asks basic questions about yourself and your vehicle.
Kansas residents must meet these initial requirements in order to be eligible:
- Be 18 Years of Age or Older
- Own a Vehicle in Your Name
- Have a Steady Source of Income
In addition to these initial requirements, Kansas residents should have access to these documents:
- A valid government issued photo ID
- Proof of income (bank statement, paystub, pension statement, disability payments, etc.)
- Proof of residency (utility bill, voter registration card, mortgage statement, etc.)
- Qualifying car title in your name
- Photos of the vehicle in your name
More Details on ChoiceCash Title Loan Rewards
When a borrower has received eligibility for a ChoiceCash Title Loan in Kansas, there are rewards available for eligible borrowers. When repaying your ChoiceCash Title Loan, you could receive rates and monthly payment amounts that get lower each month2!
While these rewards are available, there are certain conditions for receiving them:
- The ChoiceCash Title Loan must always be less than 90 days past due.
- The ChoiceCash Title Loan cannot have been modified.
- The vehicle involved cannot have been repossessed.
- The ChoiceCash Title Loan cannot have reached its original maturity date.
After these conditions are met, the applicant could qualify to receive loan rewards. These rewards include lower payments, lower rates, and even the ability to apply for additional funds2!
Where Can I Get a ChoiceCash Title Loan in Kansas?
A great benefit of choosing a ChoiceCash Title Loan is the accessibility of your approved funds. Borrowers that have received eligibility can access their new funds through several methods.
One of the easiest ways to receive your money is to visit a nearby MoneyGram location in Kansas! Regardless of your location in Kansas, chances are that there is a MoneyGram location not too far from you. For residents to have an easy understanding of how many MoneyGram locations are available, a map and details for a few locations has been provided below.