Can Different Loans Impact Credit?

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Yes! If you get certain types of loans, there is an extremely good chance it can negatively impact credit. When you take out any kind of loan, how you pay back that loan will have something to do with your credit score number. And since different types of loans like signature loans, or payday loans, are especially difficult to pay back this could end up hurting your overall credit score and impact credit terribly.

Why are signature loans and payday loans, and even registration loans so hard to pay back? It is because they almost always come with high interest rates and short payback terms. This means that you are expected to pay back your entire loan balance within a brief period or have your loan balance skyrocket because of high interest rates. These kinds of loans usually come with a short pay back period of about 30 days and can have interest rates as high as 300%!

Let’s look at this rationally Let’s say you take out a small registration loan of $1,500 and you are unable to pay it back within the short 30 day payback period. You aren’t alone, it would be difficult for most people to pay back that kind of money in such a short time. But if you are unable to pay back this kind of loan, your original smaller loan balance of $1,500 can turn into a $6,000 bill that you are expected to pay off right away! Having that kind of accumulating debt will impact credit, bringing it lower and lower.

What Kind of Credit Can Impact Credit Positively?

Since neglecting to pay back a loan will impact credit negatively, paying back your loan on time will reflect positively on your credit score. If you want to do this, you should go with a lender who will give you a manageable payback plan that won’t leave you struggling and stressing.

Max Cash is a quality broker, just ask one of our hundreds of happy customers! People from all over the country have come to Max Cash when they find themselves in financial trouble. When you are approved for a car title loan, your lender will typically create a payment plan just for you using our convenient terms and competitive rates4. When your payment plan is manageable, paying back your car title loan is a breeze!

When you stay on top of your car title loan installments, this will reflect positively on your credit. The more responsible you are with your finances, the more your credit will improve. Max Cash is here to help you achieve your financial dreams.

Is it Easy to Get a Car Title Loan with Max Cash2?

Yes! The Max Cash car title loan process2 has never been easier! You can even get your funding as soon as the next business day in some cases! Here’s how it works:

Step One: Fill Out Your Information Request

If you go to the Max Cash official homepage, you will find a brief information request located in the right hand portion of the screen. This small form should only take you maybe about 5 minutes to complete. After that you will know if you are approved for your car title loan connection!

Step Two: Send Us Your Documents

Upon approval, your car title loan agent will contract you, and you two can discuss your free quote. After that, your title loan agent will request a few documents from you. If you want to have these documents on hand right away so your lender can get your car title loan contract together.

Here’s what you’ll need:

  • Government issued form of photo ID
  • Proof of income
  • Proof of residence
  • Vehicle title with your name on it
  • Photos of your car

Step Three: Receive Your Car Title Loan Funding

Yes! It is time to get your car title loan funding! During this last step, the lender that Max Cash connects you with will draw up your auto title loan contract to sign, and they will most likely also sign onto your vehicle title as a lienholder but this part is only for the duration of your loan period.

Pick how you receive your auto title loan money:

  • Check in the mail
  • Electronic deposit into your bank account or online wallet
  • MoneyGram location
  • Stop by our licensed location and receive your money from your lender in person, they would love to see you!

The time is now to change your financial future for the better. Get started on your journey towards a car title loan today!