Can’t Pay Credit Card & Concerned About It Affecting Your Credit Score?
With the convenience of on-line shopping now, you can literally buy anything and everything with one click on your screen. However, such a convenience can also become problematic. Because with it being so easy, you can easily overspend and become addicted to on-line shopping. And before you know it, the credit score you worked so hard to achieve, can be affected quickly, if you can’t pay credit card payments in a timely manner. As a result, your credit score can quickly drop, and will need a lot of time and due diligence to raise it to its prior status.
It’s not realistic to just stop paying credit card debt and stop worrying about it, and it will all just go away. Because your credit score depends on making your payments on time. And with every late payment, or payment missed, is reflected on your credit score and affects your credit rating. However, Phoenix Title Loans, LLC is here to offer a way of how to consolidate credit card debt without hurting your credit, with our title loans. Because our title loans are secured and confidential personal loans that can help you get caught up, and back on the right path.
Here’s One Way of How to Get Out of Debt
At Phoenix Title Loans, LLC we are here with a temporary solution if you can’t pay credit card debt or are having a hard time getting caught up. With a clean and clear title on your vehicle, we can provide the highest cash offer on a title loan, with flexible options to set up payment plan. Why choose a title loan? Because the secured personal loans we offer, can put cash in your hands in less than an hour, are completely confidential, and never affect or are reflected on your credit scores.
Most importantly, our assessment of your vehicle’s value determines our cash offers. And we offer the highest amount possible, and turn it into the fast cash that you need when you can’t pay credit card’s monthly minimum, and need to get caught up.
How Our Secured Personal Loans Differ from Traditional Lending of Banks & Credit Unions
It is possible to get secured personal loans through the means of traditional lending. However, Phoenix Title Loans, LLC only requires your current and valid identification, a clean title and verification of your living address and to bring the vehicle for an assessment to one of our 11 locations. Because our title loans are based on the collateral brought in, to turn into cash when you can’t pay credit card debt or other obligations.
A secured personal loan from a bank, credit union or other traditional lending source requirements are excessive. Therefore, if you are trying to get caught up or can’t pay credit card debt, their personal loans will rely and be reflected on your credit score at the end of the day. They check your credit score and history, debt-to-income ratio, proof of income and employer, and still wait for an approval on a loan. In addition, according to Forbes Advisor, your credit score has to be at least 670, a DTI ratio of less than 36%, and consistent and a proven record of steady employment to be considered.
In the end, yes, we can help you get caught up if you can’t pay credit card monthly payments, and help you stay afloat. Although, we aren’t the only option you have. If you are looking to consolidate your full credit card debt, or are needing credit card consultation, debt relief & debt management, it is best to get a consultation from a source such as National Foundation for Credit Counseling, or another agency that specializes in these matters.
Get a Head Start Before You Arrive at One of Our Locations
Complete our loan application below, or click on the right side bottom of your screen for assistance via our Live Chat. They can answer any questions you may have, and begin the process online, before you arrive at one of our 11 locations from Avondale to Casa Grande!
