Holiday loans for bad credit can help cover holiday expenses when you're in a financial bind. From urgent travel to unexpected home repairs, these loans, including title pawns, offer a quick way to get cash when you need it most.

Throughout this article, we'll dive deeper into the situations requiring holiday loans for bad credit and tell you how to get cash for your car title with Georgia Auto Pawns, Inc.

What Is Considered Bad Credit?

Some people believe they have bad credit without actually knowing what "bad credit" is like. The FICO Score scale ranges from 300 to 850 and is the most commonly used by lenders. Anything below 670 is considered a bad credit score by many loan lenders. But let's look at it in more detail:

• Poor = 300 to 579
• Fair = 580 to 669
• Good = 670 to 739
• Very Good = 740 to 799
• Exceptional = 800 to 850

If your score falls within the poor or fair range, you may struggle to secure traditional loans, making title pawns and other bad credit loan options ideal solutions.

When Should You Use Holiday Loans For Bad Credit?

Now for the crux of the matter — can you use a holiday loan for bad credit to fund bills? The answer is somewhat convoluted: you can use them to pay bills but only in an emergency. Granted, that isn't a legal requirement. However, it's never wise to unnecessarily add to your financial obligations.

With that in mind, some situations that tend to justify taking out holiday loans for bad credit are as follows:

• Medical bills (either unexpected bills or higher-than-expected payments)
• Urgent home repairs (caused by hail or hurricane damage, for example)
• Overdue bills (to avoid late charges or to pay your usual bills when other crises left you short of cash)

Using a title pawn in these situations can prevent your holiday season from becoming financially stressful.

How To Get A Title Pawn For Holiday Emergencies

There are all sorts of holiday loans for bad credit available. But with us, you can get title pawns, a popular option among vehicle owners with less-than-perfect credit histories.

Depending on the value of your car, van, or truck, you can borrow up to $15,000 to fund your holiday emergencies. The process takes roughly 30 minutes, and you get your cash on the same day, as you can see for yourself below:

1. Start Online or By Phone
   Fill out our quick online inquiry form or contact your nearest location to start the process.

2. Speak With A Loan Representative
   A representative will review your details, answer any questions, and explain the requirements.

3. Visit A Store
   Bring your vehicle, its lien-free title, and a valid government-issued photo ID to your nearest Georgia Auto Pawns, Inc. location.

4. Vehicle Inspection
   A quick five-minute inspection determines how much you can borrow, up to $15,000.

5. Finalize Paperwork And Receive Cash
   Complete the necessary paperwork and get your money the same day or the next business day.

How Do We Value Your Vehicle?

We briefly mentioned that the amount you can get from our holiday loans for bad credit is based on your vehicle's value. To help you estimate your maximum loan amount, it's important to understand the factors we consider when evaluating the condition of your car.

The factors affecting how much you can get from title pawns include:

• The age of your vehicle — When manufacturers produce the newest models, the older cars' values depreciate. Thus, the newer your vehicle, the more money you’ll be able to receive.
• Your vehicle's make and model — If you own a popular make and model, it'll be worth more than someone with a less popular version. A few cars stay popular regardless of age.
• The current condition of your car — Cosmetic and mechanical damage decreases the overall worth. Be sure to fix any scratches, regularly change the oil, and rotate your tires to maintain your vehicle's value.
• Your vehicle's odometer reading — The higher the mileage, the less your vehicle is worth.
• The modifications you've made to your vehicle — Spoilers and decals lower the value. But a new engine tends to raise it.

Why Choose Title Pawns For Holiday Loans?

Title pawns provide numerous advantages for borrowers with bad credit:

• Borrow up to $15,000 based on your vehicle’s value.
• Keep driving your car while repaying the loan.
• Enjoy a fast, hassle-free process with same-day cash availability.

If you’re facing a holiday emergency, title pawns can offer the quick relief you need.

Apply For Your Holiday Title Pawn Today!

Holiday loans for bad credit and title pawns can be useful for funding emergencies like overdue bills and medical bills during the expensive festive season. So, when you're in need of same-day cash, acquiring a Georgia title pawn from us is an option. Get started with your holiday title pawn today by submitting a short inquiry form on our website.

Note: The content provided in this article is only for informational purposes, and you should contact your financial advisor about your specific financial situation.