Posts tagged "savings"

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How to Grocery Shop on a Budget

Written by Jill Harrison

Oct 05, 2015

Grocery stores and food brands understand how the average person likes to shop. Besides manufacturer placement and easy prepackaged foods, grocery aisles are full of psychological traps and seemingly good deals. Although this can make for a pleasant customer experience, the effects on a shopper’s wallet can be less than frugal especially when the cost […]

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Money Out

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grocery-shopping, savings

TitleMax services, products, and funded amounts vary and are not available in all stores or states.

¹ Title-Secured Loans, Secured LOCs and Title Pawns: Must present valid government issued ID and be at least 18 years of age (19 in Alabama). Account approval requires satisfaction of all eligibility requirements, including a credit inquiry, a military “covered borrower” check, a motor vehicle appraisal and a title review. Certain other eligibility requirements and terms & conditions apply. Line of Credit (“LOC”) customers are subject to a periodic collateral review to maintain credit limit. Ability to repay analysis is required in Missouri, Nevada, some Texas locations, and Utah (with income documentation in NV and TX). Certain TX product require proof of insurance. Funded amounts may vary by state, store, product or based on the results of an ability to repay analysis (where applicable). Maximum funded amount in Mississippi is $2,500. Maximum funded amount in Tennessee is $6,500, assuming customer qualifies for and accepts both the pledge max of $2,500 and Secured LOC max of $4,000. Motorcycle max (where applicable) up to $2,500 in AZ and for TN pledge; $3,000 in other markets. Refinancing is not available in Nevada, or for Mississippi or Tennessee Pledge products. Minimum funded amount in South Carolina is $601.

² Personal Unsecured Loans/LOCs: Unsecured loan amounts and products not available in all stores/states. First time maximum for new personal loan customers varies by state; first time max is $600 in MS; $800 in SC; $1000 in other markets. Higher amounts may be available for return borrowers. In-Store: In-person application not available in the state of Idaho at this time. Account approval requires satisfaction of all eligibility requirements, including a credit inquiry. Bring in active bank account details (dated within the last 60 days), and a valid government-issued ID to apply. If your bank account statement does not show recurring income deposits, you will need to also bring in proof of income, like a paystub, from within the last 60 days. In NV, proof of gross monthly income is required in addition to a bank statement. In AZ, a valid AZ motor vehicle registration in your name is also required. Min funded amount is $601 in SC. For new personal/unsecured loan customers without SSN or ITIN, max loan is $350 ($601 in SC). Online: If you do not have an SSN or ITIN, please visit us in store to apply. Additional items required for eligibility, including: a valid and active email address and telephone number, and a valid SSN. You must also reside in a state in which we do business (currently AZ, DE, ID, KS, MO, MS, SC, TX, UT or WI). Min funded amount is $610 in SC. Certain other terms and conditions may apply.

-Funds distributed via ACH to the borrower’s debit card, Dash® Prepaid Card or MoneyGram® (when/where available). The Prepaid Technologies Mastercard Prepaid Card is issued by Pathward, N.A., Member FDIC pursuant to a license by Mastercard International Incorporated. The card may be used everywhere Debit Mastercard is accepted.

-California, Illinois, New Mexico and Virginia Residents: TitleMax® no longer originates new loans in CA, IL, NM or VA, but continues to service existing loans.

-In Georgia, TitleMax offers Title Pawns.

-Arizona Consumers: please see Arizona Sales Finance Disclosure

-Delaware Consumers: please see Delaware Licensed Lenders List

-Idaho Consumers: please see Idaho Regulated Loan License. In Idaho, TitleMax only offers an online personal line of credit. In-person loans/applications are not available at this time.

-Kansas Consumers: please see Kansas Supervised Loan License

-Missouri Consumers: please see Missouri Schedule of Loan Fees and Charges

-Mississippi Consumers: please see Mississippi Consumer Access State License

-In Nevada, title loans and high interest loans should be used for short-term financial needs only and not as a long-term financial solution. Customers with credit difficulties should seek credit counseling before entering into any title loan or high interest loan transaction. Ability to repay analysis with income documentation required. Proof of gross monthly income required for a personal loan. A Nevada state-wide database check is required as a condition to getting a title loan or high interest loan in Nevada.

-New Mexico Consumers: please see important New Mexico Consumer Information and Disclosures

-South Carolina Residents: Please see South Carolina Consumer Information and Disclosures

-Tennessee Consumers: please see Tennessee Consumer Access Flexible Credit Branch License

In Tennessee, TitleMax offers title pledges and secured Lines of Credit (“LOC”). Only one LOC account allowed per customer, inclusive of other lenders. LOC customers are subject to a periodic income (and collateral, if applicable) review/validation.

-Texas Consumers: please see Texas Credit Services Organization Registration Certificate

TitleMax of Texas, Inc. and TitleMax Online of Texas, Inc., d/b/a TitleMax act as Credit Services Organizations to assist customers in obtaining a loan through an unaffiliated third-party lender. Please see store associate for details. Please see Texas Schedule of All Fees. TitleMax does not offer pawn loans or pawn transactions in Texas.

-Utah Consumers: please see Utah Consumer Information and Disclosures

-Wisconsin Consumers: please see Wisconsin Department of Financial Institutions Loan Company License

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-TitleMax®, TitleBucks®, and InstaLoan®, are not considered competitors. Please see a store associate for details.