Car Title Loans: Car Title Loans Pay For When You Go Over Your Cell Phone Minutes

Remember those commercials about the unexpected cell phone bill being the size of a phone book and it broke the table? Yeah, it happens and whether it was you or your teenagers, someone's got to pay it. What do you do when you've budgeted $100 for the cell phone bill and when it arrives it is $900? A car title loan works well for just this kind of situation.

If you have a clear title to your car, meaning you own it outright or have very little to pay off, you qualify for a car title loan. It is easy to apply-you can do it online and get an answer in just a few minutes. You can have the cash long before the cell phone bill is due so you won't have any late charge penalties tacked on.

Even if you have bad credit (and not paying your cell phone bill can adversely affect your credit and prevent you from getting cell service from someone else), you can still get approved for a car title loan to help pay off the hefty bill. The lender will pull your credit report, but it will not be a huge factor in your approval. The value of your car is used as collateral, which means that you get a reasonable rate for this fast cash option. You can keep the car while you pay off the balance.

Cell phones can be sneaky and the bill can really add up. Texts, pictures, getting on-line, downloading ringtones and music plus calling out of your "circle" can really add up, especially if you don't have the right plan.

This little device has become a necessary evil, so you need to keep it paid up to date. We use them to keep track of our kids, for emergency situations, work and, of course, socializing. You don't want your account to go into default and be canceled. A car title loan can make sure that you keep this important safety net and link to friends and family.

To avoid this situation before the next bill comes, you might want to contact you cell phone service provider and update your plan. By increasing your minutes or sign up for an unlimited minutes plan, so you will never again have to monitor you time on the phone.

If your problem is text messaging, those can be really expensive, 20 cents or more per text. Most service providers offer unlimited text messages with a flat fee. Changing these may increase your monthly bill to $125, but a $900 bill will never surprise you again.

Remember that you can control your phone habits, but you cannot control the people who call or text you, so sign up for a plan that takes this into account. But, if it does happen again, a car title loan is always an option. And, if your teens are the ones running up the charges, take the loan payment out of their allowance and get them a prepaid service!

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