Pay and Consolidate Bills

With 80% of Americans carrying the weight of debt on their shoulders, it’s no wonder that many are struggling to pay their bills. Regardless of how much you owe, just keeping track of the payments and due dates can be a nightmare, making it easy to miss a payment. Fortunately, help is at hand, with one loan to consolidate these bills into a single payment.

It can be difficult to keep track of multiple debts, especially when you’ve got a lot of other things happening in your life. Whether it’s work, school,  or a new baby, trying to make all those payments on time can be a problem.

Making your payments late, or missing them altogether, can only make matters worse. Besides late fees, your interest rate could go up and, if you’re struggling to pay your credit card, your credit limit can go down. And with many lenders reporting your payment history to the credit bureaus, your score is likely to go down too.

A ChoiceCash Title Loan, serviced by LoanMart, could help you get your life back on track.1

What Could You Do With $2,500 or More?

A ChoiceCash Title Loan may allow you to tap into the equity in your car and borrow the money you need to consolidate your bills.1 The amount you may be approved to borrow is determined by the value of your vehicle, allowing you to potentially borrow thousands of dollars. Besides keeping your cash, you can also keep your car, giving you the flexibility of being able to keep your daily routine without any disruption to your regular life.

Collections calls can be worrying and stressful, adding to the tension in your life and potentially causing problems with other family members. Consolidating the debt into a single loan can eliminate those calls and give you the fresh start you need to rebuild your life. It doesn’t matter what kind of debt you have, a ChoiceCash Title Loan, serviced by LoanMart, can help take the weight from your shoulders.1

Take Care of Yourself and Those You Love

No matter who you are, you shouldn’t have to choose between your money and your health. Unfortunately, even with insurance, a trip to the doctor can be expensive, and a hospital stay can be crippling. Even if you know you need surgery, predicting the out-of-pocket expenses can be difficult, and unforeseen events can cause additional problems.

For example, the cost of a trip to the ER can typically be anywhere between a couple of hundred and a couple of thousand dollars, but critical care could raise the bill to tens of thousands of dollars. The cost of an ambulance can add thousands of dollars more to what you owe. Long term care hits patients and their loved ones even harder.

Happier events, such as the birth of a child, can also be expensive. The average cost of having a baby in the United States is nearly $11,000 – and that’s not factoring in the cost of care before and after the birth. Raising a child costs nearly $13,000 each year for the first two years, with the cost increasing for each year after that.

With many people unable to pay an unexpected $500 medical bill, medical debt is the number one cause of bankruptcy in the United States, with one in five Americans struggling to pay off what they owe.

A ChoiceCash Title Loan may be able to help to cover the cost of co-pays and other unexpected expenses, giving you the freedom to focus on the more immediate need of taking care of yourself and your family.1

Get Out of the Credit Card Trap

Credit cards can be an easy way to cover an unexpected expense, but they can come with a heavy price tag. More than a third of Americans carry a balance from month to month, and with each account having an average balance of $1,700, it can often feel as though the payments are never ending.

If you’re not able to pay off your balance each month and only make your minimum payments, you can soon find the interest adding up. And you’re not only charged interest on what you’ve spent, but on any unpaid interest and fees too. Carry a balance of $1,700 over from one month to the next – without even using the card – and you’ll still be charged interest regardless.

Having a number of cards might seem like a good idea, but keeping track of numerous due dates can quickly get out of hand. With credit card companies charging late fees on top of what you owe, your balance can quickly increase.

While credit cards seem to be a necessary evil in today’s world, using too much of your available credit can also have a big impact on your credit score. According to Experian, you shouldn’t be using more than 30% of your available credit. The more you use, the lower your score, and the lower your score, the less likely you’ll be able to borrow the money to dig yourself out.

Fortunately, since a title loan uses your vehicle’s title as collateral, your credit score is not a major factor in the decision making process. This means that even if your credit has taken a knock, you could still qualify to borrow the money you need.1

How is a ChoiceCash Title Loan Different from the Others?

A ChoiceCash Title Loan, serviced by LoanMart, works a little bit differently than a regular title loan. With a regular title loan, the benefits often disappear with the money, leaving you with the payments. However, a ChoiceCash Title Loan can continue to provide benefits once the money’s gone.

With every on-time monthly payment, you could have your interest rate reduced, making your next month’s payment lower as a result. Make every payment on time and you could see your monthly payment nearly cut in half throughout the lifetime of the loan.

As an added bonus, you could qualify to borrow more money at the lower rate you’ve earned.1, 2 So no matter what life throws at you, you can have the confidence of knowing you’ve got it covered.

How Can I Apply for a ChoiceCash Title Loan?

Applying for a ChoiceCash Title Loan couldn’t be easier. Simply call 855-914-2945 or apply online and you could find out in minutes how much you qualify for. Your loan officer will then explain the next steps and let you know which documents you’ll need to submit.

Unlike some lenders, with a ChoiceCash Title Loan you won’t need to go searching for a ton of information, almost all the documents can be easily found at home:

  • Pay stubs, government award letters or a bank statement as proof of income.
  • Government issued photo ID as proof of identity
  • Almost any mail dated within the past 30 days as proof of residence
  • The names of references, either personal or professional
  • Your vehicle title, which must show you as the owner

Once your loan officer receives those documents and reviews them, your loan can be finalized and you could be holding your cash in your hand in just a few hours.1 You can choose to receive your money via a local MoneyGram store, by direct deposit into your bank account or by overnight check. Most loans can be funded in 24 hours or less1, so even if you need the money urgently, you can be sure that help is on the way.

Regardless of what you owe, and who you owe it to, you may be able to simplify your life with a ChoiceCash Title Loan, serviced by LoanMart. Take your first steps toward financial freedom and peace of mind by calling 855-914-2945 or applying online today.


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