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How Secure Loans are
Better than Car Title Loans


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In this episode of Money Creation Explained we are going to cover How Secure Loans are Better than Car Title Loans.

A typical situation is that someone needs money now and their next paycheck could be a week away or they have bills that are due now or will be past due soon. They have some equity built up in their car and figure that they will still be able to use their car while making the repayments so they look into getting a car title loan.

The appeal of the Car Title loan is that is a fast and easy option to get money within 24 - 48 hours, with no credit check and it does not matter if they have a low credit score because the loan is based on the vehicle that they bring in. Also there are no credit consequences if the loan is not repaid and credit score will not suffer.

An example transaction is as follows: You bring the vehicle to the Car Loan Lender and it is worth $4,000. The Car Loan Lender offers you a loan of $1,000 (25% of its resale value) with a financing fee of usually 25% (which translates to around 300% APR) plus additional fees. The average car title loan borrower pays about $1,200 in fees for the average $1,000 loan. If you do not repay loan back on time and are unable to extend the payment terms (which will cost you additional fees) the Car Loan Lender can then reposes and sell your vehicle, or sue you for the amount owned.

An alternative solution would be Secure Loans which is a service offered by IOU Notes. It allows users to leverage their own funds to obtain small loans for personal and business use as needed and never pay more than 5% interest per year on those funds. Using our service, a user can have a dependable emergency loan option, help build or rebuild their credit, budget their money better, and stop paying high interest fees from other loans. This service was created because of the need for affordable small loans.

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