The Long And Short Of Getting Credit: Car Title Loans Vs Credit Cards

Nowadays, it just seems like it's much more difficult to stay above the radar when it comes to off-loading a pile of debts.  It's like trying to keep your cool while putting a positive face on your bottom line.  So if you're already pining for a fix with a do-now-fixer-upper that's a can't miss, car title loans are the neatest newest wave of solutions that work.  They're the hottest up-and-comers for fighting so-so credit and so-so budget plans.  In fact, title loans have become more than a definite "maybe" when your budget-stretch doesn't stretch as far as it used to.  Especially when your debt level is running on overtime.  Car title loans are the most sought after short-term fast-money solution for re-writing the rules to debt-overflow - and the best trade-off for the budget-weary.  

These days, off-loading a pile of debts has just gotten even easier.  The trick is simply knowing how and where to go when the right goes wrong.   Don't leave it to chance - licensed auto title loan lenders one-ups everything else for that endlessly growing need for instant-cash.  Title loans are the newest wave of short-term go-tos for getting it together and staying one-step ahead of feeling broke.  It's the best way to forget about building up interest and fees when you don't have to.  There's no gotchas with auto title loans - simply continue to use your car while you make budget-friendly installment payments and watch the time fly-by.

Auto title loans are the newest landmark for the future of short-term lending as we know it.  But there are also other ways that consumers have turned to - like a way to rebuild their credit.  Re-building credit can be a tough-go.   The best way to start is to open a new credit card account and create a record of timely payments.  That doesn't sound too difficult - but it is also true that few banks are willing to give credit cards to those with so-so credit.  And a major difference is that credit card loans are considered to be longer-term loans when compared to auto title loans. 

But, nowadays there are some credit cards that are particularly designed for consumers who are into repairing their credit history.  One of the simplest ways is to find the best cards to make your credit recovery a must-have - like choosing from secured credit cards such as the Capital One Secured Mastercard or First Progress Platinum Prestige Master Card.  Find the card with the most favorable terms and the lowest fees, for example, one that does not have a grace period which means that you might be required to pay interest charges even if the card is paid in full.  There are those cards that allow customers to apply for a standard card after a year of timely payments, and those that report to the three credit bureaus.  There are also cards such as the Capital One Cash Rewards For Newcomers that provide cardholders with cash back on travel and other transactions.  Just remember that secured credit cards typically require a deposit, but you will also have to be approved for them.

Just think of car title loans as the short of getting credit.  Credit cards are longer-term loans that continue to accrue interest and fees until they are paid off  - so your balance keeps piling up.  They're the long of getting credit.  Everyone goofs up now and then.  Bouncing back means managing money well.  But when unexpected bills and expenses put a crimp in your style, it seems that most consumers opt for short-term loans such as title loans to make stuff happen fast.