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With Communities in Need, Financial Service Centers Are Essential Services

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Community in Need

BY ED D’ALESSIO from Morning Consult

Even before the coronavirus pandemic that has challenged our nation’s financial system, the Federal Deposit Insurance Corporation (FDIC) called attention to the fact that over 60 million adults in the U.S. are either unbanked or underbanked (PDF). This figure, which equates to nearly one-third of all U.S. adults, demonstrates that despite the public policy emphasis on banks as the panacea for every financial need, there remains a mismatch between bank products and the needs of everyday Americans, many of whom choose to use non-depository financial providers.

Whatever the reason for the numbers of unbanked and underbanked Americans, it has taken the current crisis to demonstrate that in order to truly provide financial inclusion, and to ensure that all Americans can maintain their financial lives, the financial service center industry must be fully recognized as an “essential” branch of our nation’s “critical infrastructure.”

These local, financial service centers process over 350 million transactions annually, employ tens of thousands of Americans, and are located in the neighborhoods where their customers live and work. Being of and from the community ensures that customers are treated with respect and, importantly, in their native tongues.

As the coronavirus pandemic degrades our economy and stretches thin the budgets of millions of families who are confronting health care and childcare needs, rent, utility and other bills, and other existential financial challenges, it is critical that consumers have access to as many safe and reliable financial service options as are possible. Licensed financial service centers provide just that — safe, reliable, convenient, and regulated financial services.

Thankfully today, thousands of financial service centers remain open and operating, providing regulated financial services while following all CDC guidelines and ensuring the health and safety of customers and employees, and continuity of financial services in all communities. In fact, governors and other public officials from across the country — including in California, Illinois(PDF), Kentucky(PDF), New Jersey and New York, to name a few — agree that neighborhood financial service centers are critical, designating these businesses as “essential” in meeting the needs of Americans. These financial service centers remain open, despite the closure of scores of other businesses, including other financial services providers who have simply elected to close.

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Car Capital Financial

Car Capital offers title loans at competitive rates, regardless of your credit score. If you’re interested in a title loan and live in Southern California, call Car Capital at 1-888-500-9887 and you could have cash in hand within 30 minutes. We are open weekdays from 8am to 5pm, and Saturdays from 9am to 1pm. We can get you the money you need today!

Emergency Money Loans to Get Out of a Bind

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money loanWhen seeking out a money loan for an emergency or unexpected expense, there are many options available. Personal loans, title loans, credit card cash advances — it can be confusing to sort through all the types of money loans out there. How you find the right fit for you is entirely your decision. As you weigh your options, you need to take several factors into consideration. How much money do you need? Do you need it today or can you wait days or even weeks? What’s your credit score? Do you have anything you can use as collateral? How much can you repay, and how long do you want your terms to be?

All of these questions are things you should think about if you are looking into money loans. It can help to understand different types of loans while you search for the right loan option for your situation. Whether you have collateral or bad credit, here are three types of loans that may help in emergency situations.

Auto title loans

When seeking out a quick loan, you can put your auto title up for collateral and get a quick and easy loan. Titles can include those for your car, truck or other vehicle. An auto title loan is one of the fastest ways to get emergency money. As long as you have a clean car title and the ability to repay your loan, you can get money and easy repayment terms within a short timeframe (even as quick as 30-minute approval!).

Title loans are a common way to get cash when you need it — and you don’t even need to have your car paid off most of the time. Car owners can use their car title as collateral, and upon repayment get their title back. Title loans are often set up to cater to your needs without penalty for early repayment.

Credit Card Cash Advance

When you need cash fast, a credit card cash advance can help you get the money loan as quickly as possible. Same-day credit card cash advances can help in tricky situations with cash as close as your nearest ATM, you’ll be on your way to having the money you need now.

And even though you get the money fast, these cash advances on credit cards often will only get you a smaller amount of money. You rarely withdraw more than a few hundred dollars with a credit card cash advance.

Loans for bad credit

If your credit isn’t quite up to par, then you may have already discovered that it can be hard to get a loan when you need it. When you’re facing an emergency, you may not have been able to plan for it — or had the time to work on improving your credit score.

Bad credit can add even more stress to an already stressful situation, but don’t worry. There are loans for bad credit available, and you may qualify for one. Loans for people with bad credit can often make use of collateral (like title loans do), and get you the cash you need on the very same day.

Car Capital Financial

If you are in need of some emergency funding, Car Capital can help out! We are proud to help people find loan terms that fit their needs so they can get a money loan quickly.

Call 1-888-500-9887 to learn about how our auto title loans can come through for you when you need the cash the most. With same day services most of the time, you can start getting your life back on track with Car Capital.

Pro’s & Con’s of Personal Loans vs. Title Loans

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personal loan vs. title loan
Life is spontaneous, and it’s impossible to plan for everything. That’s why it’s smart to have a backup plan when life throws you a curveball. Sometimes, the only thing standing between you and your goals is a lack of cash. Whether you’re looking to expand your business, finance your honeymoon, or simply need a little extra spending money over the holidays, an increasing number of Californians are considering personal loans vs. title loans. The accessibility of these loans makes them a convenient choice for anyone in an immediate cash bind.

How is a Title Loan different from a Personal Loan?

But while personal cash loans are helpful in their own respect, there may be an even better option. If you are the owner of a motor vehicle, you may want to consider taking out a title loan. These loans are backed by collateral (in this case, your vehicle), so they tend to be larger and set under more relaxed terms. They are also just as convenient as a personal loan: in most cases, you can have cash in hand within as little as 30 minutes. In many cases, people who choose to take out title loans are able to borrow more money with lower interest rates and fewer background checks. The choice between a personal loan and a title loan has the potential to save you thousands of dollars.

Unsecured Loan Drawbacks

A personal loan is considered an unsecured loan, since you’re not offering up any collateral for the money you’ll be borrowing. Because of this, lenders tend to loan out smaller amounts, which reduces their risk of you defaulting on their loan and running with the cash. To qualify for a personal loan, you’ll have to supply proof of income, such as a pay stub or bank statement, for approval. This shows the lender you have a plan in place to pay back their loan. You may also be required to verify your credit score or run a credit check. It’s possible to get a personal loan without having your credit checked, but this may lead to lower loan amounts and higher interest rates.

Accessing the value of your pink slip

In contrast, a title loan is what’s known as a collateral loan or secured loan, because you temporarily swap your car title for the money you are loaned. Obviously, you’ll need to own a motor vehicle in order to take out a title loan. However, it’s not always necessary to physically hand over your car — in fact, eligible borrowers only need to relinquish the title of their car. This means you can continue to drive your car, but it will be legally owned by the lender until you pay the money back. These loans are usually larger than personal loans, but the amount of your loan will ultimately be based on the value of your vehicle. A lender will typically factor in the physical condition of your vehicle, as well as its year, make, model, and mileage. Because of the collateral used, there are generally fewer credit checks involved, making title loans a primary option for people with low credit scores or anyone looking for a quick and easy way to borrow money.

It’s important to fully understand the terms associated with different types of loans. Keep up your expectations, but also be aware of your limitations. Remember that a loan is not a permanent fix, but merely a temporary one. In any case, title loans are one of the most popular options on the market, and for good reason.

Car Capital offers title loans at competitive rates, regardless of your credit score. If you’re interested in a title loan and live in Southern California, call Car Capital at 1-888-500-9887 and you could have cash in hand within 30 minutes. We are open weekdays from 8am to 5pm, and Saturdays from 9am to 1pm. We can get you the money you need today!

Motorhome & RV Title Loans

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RV Title Loan

Do you need cash now? Are you also an RV or motor home owner in Southern California? Then Car Capital Financial can help. We can get you a cash RV Title Loan for your motor home or recreational vehicle in as little as 30 minutes!

Car Capital Financial is a premiere car title loans company serving all of Southern California, including San Diego, Orange County, Los Angeles and Riverside County. We provide safe, reliable and affordable loans to owners of all types of vehicles – including RVs and motor-homes.

If you have either paid off your RV loan or motor-home loan in full, or if you only have a few payments left, then you are likely to qualify for a title loan from us.

Turn that vehicle into money today by calling us at 1-888-500-9887 now!

Why Should I Get an RV Title Loan?

If you’ve never considered getting RV or motor home title loans, maybe you’re not aware of the main benefits to them. Fortunately, we’re here to help. The best reasons to consider getting an RV or motor-home title loan include:

  • Bad Credit Does NOT Disqualify You – Bad credit RV loans are hard to come by, but with a title loan from Car Capital Financial you can get your title loan based on your ability to repay the loan.
  • Our Loans are Fast and Secure– If you choose to borrow money from a traditional bank, you’ll probably have to wait days, or even weeks to get your loan processed but we are accepting loans for people with poor credit. At Car Capital Financial, however, you can get your loan processed in a matter of hours, or even minutes! If you need quick money to cover a financial emergency, we can get it to you quickly and securely.
  • Our Loans are Effective – With an RV or motor-home title loan, you can raise a significant amount of money (thousands to tens of thousands of dollars) instantly. Oh, and unlike some neighborhood loans and other cash advance type scams, our loans are structured to make them easy to pay back.

How Do I Get a RV or Motor home Title Loan?

To get a title loan from us, we’ll first need to make a quick inspection of your vehicle. Please call us at 1-888-500-9887 to schedule a time to meet in a convenient Southern California location.

At this meeting, we will evaluate your vehicle to appraise it’s value, then make you a loan offer based on the amount your vehicle is worth and your ability to repay the loan. Please bring the following documents to your appointment, as we’ll need them to process the small amount of paperwork required for your loan:

  • Your valid driver’s license
  • Your pink slip/car’s title
  • Proof of your insurance
  • Proof of your address

Why Should You Choose Car Capital Financial?

You should choose Car Capital Financial because we are one of the most trusted and well known title loan businesses in all of Southern California. We have provided safe, reliable and affordable title loans for over 15 years, helping many RV and motorhome owners just like yourself get the money they needed with an RV Title Loan.

We can process your loan incredibly quickly, and we pride ourselves in delivering fair, polite and professional service at all times. Call us now at 1-888-500-9887 to get the money you need today!

How to Raise Money for the Holidays

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The holidays often mean shopping for gifts, party outfits and decorations that rack up credit card debt and you might wonder if there’s a better way to raise money for the holidays.

Instead of entering 2016 with debt, consider making some extra cash during the final months of this year to cover the costs of your holiday cheer.

Here are some unique ways to make extra money for the holidays:

Bake for Money

Bake something amazing and offer to sell it to your friends and coworkers so they will not have to do their own holiday baking. You probably have to be careful about selling your baked goods to professional organizations and such, but you could do some sideline baking to help out your friends, neighbors, and coworkers who are going to be entertaining guests over the holidays and simply do not have the time to do their own baking.

Bake some samples and serve them up to your potential clients. Then while their mouths are watering, tell them that for a fee you can provide them with similar treats the day before their guests are to arrive to celebrate the holidays. Once you’ve worked out the scheduling, cost of ingredients and such, this could be a fun, relatively easy way to make some money and spread some joy this holiday season.

Work for the Neighbors

Grab a ladder and offer to clean leaves out of your neighbors’ rain gutters. No one wants to do this themselves!

Many people are so busy during the summer months that they completely forget to clean all of the debris from their rain gutters when the sun is out and it is dry and warm outside. Now that it’s cold and dreary, many people will refuse to do this important home maintenance process on their own.

You’d be surprised at how many neighbors will be glad that you offered to take on this dirty, no-fun task, allowing them to stay warm and cozy inside, and check the rain gutter cleaning off their winter time to-do lists.

Grab a broom or a shovel and offer to clean the neighborhood sidewalks, gardens, or outdoor living areas while you’re at it. There are always sidewalks that need swept or shoveled, and there is always someone too busy or too tired to do it themselves.

This tactic works especially well just after big storms, so keep your eyes peeled to the weather report, and get your gear ready to go the day after.

Sell Stuff Online

Sell something online. You can make a decent second income all-year-round by digging around for antiques and such from the Goodwill and then fixing them, cleaning them up, and selling them for a much higher price online.

You can also do this by picking valuable items from garage sales, flea markets, and estate sales as well. Most of the time and work goes into hunting for the cool treasures that someone will want to purchase, and you’ve got to have a good eye or you could get left stuck with unwanted things, but if you play your cards right, there’s definitely gold in them there hills.

And if you don’t have any money to pick up new treasures, then scour your home for unwanted goods, outgrown clothes and extra knick knacks that are in good shape, then sell them online to pad your holiday shopping fund.

If you don’t have unwanted clothes, but have a nice apartment or house with extra space, then consider renting it out for storage, parties and events, or even to someone who wants to rent a room. Renting your space may not be all that fun, but it can definitely be lucrative!

Get a Seasonal Job

If you have the time, a seasonal job is one of the quickest and best ways to increase your budget quickly. Seek out retailers, restaurants and call centers for open seasonal positions.

Most of the major department stores hire extra help in October or November so they can have them fully trained by the time the really busy holiday shopping season kicks in. And most of these seasonal employees are kept on until after the inventory counts are done in January, when staffing needs start to subside.

Those who have proven themselves to be quality employees will often be asked to stay on permanently, so if you’re looking for a regular position, this may be the best way to get your foot in the door.

Car Capital Financial

Take advantage of these ways to come up with fast cash and you should be able to avoid skipping out on purchasing fantastic gifts for the holidays.

Whether you end up doing some work around the block, or selling items online, you should be able to accumulate the funds you need to make it through the holiday season.

But remember too, if you need some immediate cash assistance and don’t have time for any of these techniques, you can always give Car Capital Financial a call to get a low-interest secured personal car title loan.

We can deliver our loans within minutes of receiving your call, providing you with cold hard cash, and requiring nothing more than temporary possession of your vehicle’s title. Title loans are issued based on the borrower’s ability to repay the loan.

Call us at 1-888-500-9887 to find out if our safe, reliable and affordable auto title loans are a good fit for your financial needs. We would love to help save the holidays!