Resources
Smart money moves for the Gem State. Straight talk on title loans, state regulations, and getting back on the road to financial health.
Latest Articles
Do I Need Good Credit to Get a Title Loan? (2025 Guide)
Find out why your credit score doesn't define your eligibility. Learn how equity-based lending works and what lenders actually look for.
Can I Get a Title Loan if I am Unemployed? (Income Rules)
Income doesn't just mean a salary. Learn how benefits, gig work, and alimony count as 'ability to repay' in 2025.
Does the Car Title Have to Be in My Name? (Solution Guide)
What to do if the title is in a spouse's name, has two names, or is lost completely. Expert solutions for title issues.
Can I Keep Driving My Car While I Have the Loan? (The Facts)
The #1 fear for borrowers answered. Learn how the lien system works and why you keep your keys.
How Old Can My Car Be? (Age & Mileage Limits 2025)
Do you have an older vehicle? Understand the '10-year rule,' mileage caps, and how to qualify with a high-mileage car.
How much cash can I actually get for my car?
Understanding Loan-to-Value (LTV) ratios and why you won't get the full resale value.
What are the typical interest rates and APR for title loans?
Don't be blindsided. We break down the difference between monthly rates and APR.
Are there hidden fees I should look for in the contract?
Beyond the interest rate, watch out for lien fees, processing fees, and document fees.
How does the vehicle appraisal process work?
Walk through the physical inspection vs. online photo submission process.
How fast can I get the money (Online vs. In-Store)?
Comparing instant cash in-store vs. ACH transfers for online lenders.
What happens if I can't pay back my title loan on time?
Understanding the 'rollover' trap and how to communicate with your lender.
How quickly can a lender repossess my car?
State laws vary. In some cases, the tow truck can come the day after a missed payment.
If my car is repossessed, do I still owe money?
The repo doesn't always wipe the slate clean. Learn about deficiency balances.
Is this lender legitimate or a scam?
How to spot predatory, unlicensed lenders before you hand over your title.
Do title loans affect my credit score?
It's a double-edged sword: they rarely help you build credit, but they can definitely hurt it.
Idaho Title Loan Laws & Regulations (2025 Guide)
Know your rights. We explain the Idaho Credit Code, straightforward repossession rules, and interest rate limits.
What are the best alternatives to title loans?
Before you risk your car, explore these cheaper and safer options.
Can I refinance a title loan to get a lower rate?
Stuck in a high-rate loan? A 'title loan buyout' might save you.
How do I get my car title back after paying off the loan?
You paid the last dollar. Now, ensure the lien is released properly.
Can I sell my car if it has a title loan on it?
Yes, but it requires coordination between you, the buyer, and the lender.
What is a 'rollover' and why should I avoid it?
The dangerous mechanism that turns a 1-month loan into a permanent debt.