Help! My Energy Bill is Outrageous!!

Is your energy bill haunting your nightmares? The summer time can be the best for a lot of things (ie: swimming, vacationing, playing with friends, relaxing), but it can be treacherous for your budget if you live in certain parts of the country. Energy bills can seriously sky rocket if you’re not extra careful and attentive to how you use your utilities. We’ve researched several resources from power companies and compiled a list of 5 tips for you to keep on hand when trying to avoid the summertime energy bills crisis.

  • Set your thermostats. Setting the thermostat at 78F in the summer and 68F in the winter should only cause a 3%-5% increase in energy use. If you live in a region where the temperatures vary greatly each day, consider installing a programmable thermostat.
  • Seal your windows. Check the caulk and weather-stripping around your windows and if you noticed that the caulk is cracked or the stripping is flat, replace the material. Using caulk for small holes and expanding foam for larger areas should help your situation.
  • Avoid using your oven. Using the kitchen oven will only remind your A/C to come on and stay on. During the hot summer heat, consider keeping your house cooler by grilling outside or eating meals that can be cooked with the toaster oven.
  • Use overhead fans. If you have ceiling fans, use them! Why use the energy from the A/C when the overhead fan works just as well and costs way less?
  • Close blinds and shades. Blocking the sun and its heat can really make a difference when trying to keep the house cool.

Hopefully these tidbits will help keep your payments at bay, but if you do find yourself in a pickle and need some extra cash to help pay for your energy bill or any bill for that matter, let us know at TitleMax®. We are happy to help individuals during financial emergencies and it’s so simple to get the cash you need.

About TitleMax®

TitleMax® is committed to being one of the nation’s largest and most reputable car title loan companies. We can offer quick approvals on short-term car title loans and car title pawns. The TitleMax® team strives to provide quick and easy customer service and is here to help answer any questions you may have. You can expect to spend about 30 minutes at TitleMax® getting your entire loan from start to finish – we make the most of our time! Stop by any of our 1,000 locations for more information. We do not run credit checks on our customers so your previous credit does not even factor into the process. We will not ask for proof of insurance, and, the best part is, you get to keep driving your car!

To secure your car title loan or pawn TODAY, all you need are three items:

  1. A vehicle registered in the applicant’s name
  2. A clear, or lien-free, car title
  3. A government-issued ID

If you need quick cash and have the items mentioned above, stop by one of our 1,000+ locations to be approved quickly for the TitleMa™x loan you are ready to get!

Learn more about car title loans by clicking Title Loan or Pawn Information.

– California Residents: As of January 1, 2020, TitleMax of California, Inc., d/b/a TitleMax, no longer originates new loans in California. TitleMax will continue to service existing loans originated before January 1, 2020. California Finance Lenders Law License No. 603K014. Please see our California Resident Notice at Collection and Privacy Policy: Submit a Verified Consumer Request to understand what information we collect, disclose, or sell, to request that we delete your information, and/or opt out of selling by clicking Do Not Sell My Personal Information.

– In Georgia, TitleMax offers Title Pawns.

– Illinois Residents: As of March 23rd, 2021, TitleMax® of Illinois, Inc., d/b/a TitleMax, no longer originates new loans in Illinois.

– New Mexico Consumers: please see important New Mexico Consumer Information and Disclosures.

– In Nevada, title 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 transaction. Ability to repay analysis with income documentation required.

– In Tennessee, TitleMax offers title pledges, and secured and unsecured 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.

– TitleMax of Texas, Inc. and TitleMax Online of Texas, Inc., d/b/a TitleMax acts 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.

– TitleMax of Virginia, Inc. d/b/a TitleMax is licensed by the Virginia State Corporation Commission, license number VTL-11. As of January 1, 2021, TitleMax of Virginia, Inc., d/b/a TitleMax, no longer originates new loans in Virginia.

– TMX Finance of Virginia, Inc. d/b/a TitleMax Loans is licensed by the Virginia State Corporation Commission. As of January 1, 2021, TMX Finance of Virginia, Inc., d/b/a TitleMax Loans, no longer originates new loans in Virginia.

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

1 Title-Secured Loans, Secured LOCs and Title Pawns: Maximum loan amount in Mississippi is $2,500. Maximum loan 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. Minimum loan amount for title-secured loans in South Carolina is $601.

Must be at least 18 years of age (19 in Alabama). Account approval requires valid government-issued ID, a credit inquiry, and a motor vehicle appraisal. Certain other eligibility requirements and terms & conditions apply. Loan/LOC/Pawn amounts vary by states and product. LOC customers are subject to a periodic collateral review to maintain credit limit.

Proof of income documentation and ability to repay analysis is required in Missouri, Nevada, some Texas locations, and Utah.

Refinancing is not available in Mississippi or Tennessee.

2 In-Store Personal Unsecured Loans: Must be at least 18 years of age (19 in Alabama). Account approval requires satisfaction of all eligibility requirements, including a credit inquiry. To apply, bring in proof of income (dated within the last 30 days), active bank account details (dated within 45 days), proof of residency, a void check, a valid government-issued ID, and in AZ, a valid AZ vehicle registration in your name. LOC customers are subject to a periodic income review/validation to maintain credit limit.

Unsecured loan/LOC products not available in all stores or states. Minimum/maximum loan/LOC amounts vary by state; not all loan amounts available in all states. Max loan/LOC amount for first time borrowers is $1,000 ($500 in AZ). Returning customers with a good payment history may qualify for higher amounts, currently up to $2,500 in most states. Without SSN or ITIN: Max loan is $300. Certain other terms and conditions may apply.

3 Online Personal Unsecured Loans/LOCs: Must be at least 18 years of age. Account approval requires satisfaction of all eligibility requirements, including a credit inquiry. To apply, you must provide proof of steady income (within 30 days), valid and verifiable bank account (statement dated within 45 days), a voided check, valid and active email address and telephone number, valid SSN, valid government-issued ID, and you must reside in the state in which you are applying (currently AZ, DE, KS, MO, MS, SC, TN, TX, UT or WI) and provide proof of residency. In AZ, must present valid AZ vehicle registration in your name. LOC customers are subject to a periodic income review/validation to maintain credit limit.

Minimum/maximum unsecured online loan amounts vary by state: SC min is $610. Maximum unsecured online loan/LOC amount for first time borrowers is $1,000. Returning customers with a good payment history may qualify for higher loan amounts, currently up to $2,500. Certain other terms and conditions may apply. Unsecured online loan products and amounts not available in all states. TN customers: Only one LOC per customer, inclusive of other lenders.

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