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Many people consider the holidays the most wonderful time of the year. After all, who doesn’t love spending more time with friends and family, going to Christmas parties, and eating delicious food?

Unfortunately, holiday festivities can be quite draining on your wallet. If your budget is tighter than usual this year, you can take two approaches to help with your expenses—apply for a title loan and keep your spending in check. Here are tips for doing both.

Need More Cash for the Holidays? Apply for a Title Loan!

If you own a car with a clean title, you may be able to get a car title loan. This lets you borrow 25 to 50% of the car’s value while still maintaining full use and ownership of it. Expect to have your application approved, with money in hand, in about 30 minutes—no credit check required! This fast-cash option is perfect when you need money now. Then, you can use January’s paychecks to pay off the loan that helped you cover all of December’s extra expenses.

How to Keep Holiday Spending in Check

Thanks to your title loan, you have more cash to spend this holiday season than you originally anticipated. Still, you don’t want to overspend on presents, food, and decorations, or you’ll have a harder time paying off your loan. Follow these tips to keep holiday spending in check:

  • Make a list: It’s far too easy to give in to impulse buys if you don’t know what you’re shopping for, so never go to the store without a list in hand. And never buy anything that isn’t on the list.
  • Set a gift spending limit: Decide how much you can afford to spend on presents this year. Then, divide that amount by the number of people you’re shopping for. Stick to the limit you set and strive to come in under budget whenever possible. Remember, it’s the thought that counts, not the price tag.
  • Shop sales: Keep your eye out for deals and compare prices at different stores, including online, before you make your purchase.
  • Use cash: If you have a habit of overspending, keep your holiday budget in a cash envelope. When the money is gone, so is your budget.

At VIP Title Loans, we want you to succeed. That’s why we never penalize you for paying off your loan early. Even with our incredibly low APR, early payoff saves you money on interest, so it’s a smart move if you have the cash to do so. Keep this in mind whenever you borrow from us. After all, we don’t just want to help cover holiday costs—we’re here for you whenever you need extra cash to pay for life’s unexpected expenses throughout the year!

To learn more, please call VIP Title Loans at 817-265-2274, fill out our online contact form, or visit one of our six locations in the DFW Metroplex to speak with a lending agent in person.