Happy Veteran’s Day from all the experts at your favorite auto title loans lender!
My Tio Rico would like to thank each and every person who has or currently is serving for our country. Each of you are the reason that our citizens feel safe and are able to do all of the things we can do on an everyday basis. The dedication and sacrifices you have made and continue to make for the United States of America are what makes our country the best it can be and a wonderful place to call home. The auto title loans experts at My Tio Rico would also like to thank the friends and families of all those who are honored on this day. THANK YOU!
Money is borrowed every day, all over the world, for many different reasons. These reasons include medical bills, costs of schooling, gifts, vacations, putting a down payment on a home and many more. No matter what your reason to borrow is, Tio Rico has several different options for fast cash loans.
My Tio Rico can get you approved for fast cash loans the same day you apply! With our friendly customer service representatives and fast cash loans experts, your financial strain will become stress-free! The processes we provide our clients are quick, easy, and we will help you throughout the entire paperwork process so that you understand every piece of it. We’re always happy to answer any of your questions and point you in the best financial direction.
In order to become instantly approved for one of our programs, all you have to do is come by one of our My Tio Rico locations with these three items:
Your vehicle (auto title loans only)
Proof of income
Government issued identification
Want to learn more? There are several ways to contact one of our fast cash loan experts. Stop by your nearest Tio Rico location today or simply fill out the form to your right. We look forward to getting to know you and helping you become approved for the fast cash loans you deserve!
Is the Phoenix auto title loans program the answer to your bad credit? You may not know that people take out loans for a lot of different reasons. Sometimes it’s to pay off their bills, pay an unexpected medical expense, or pay a down payment on a new house or car. However, no matter the type of loan, My Tio Rico’s Phoenix auto title loans or personal loans are definitely worth taking a look at. Whether you have bad credit or not, the lenders at Tio Rico will not discriminate and will always help you to get on the path to being approved and building better credit.(more…)
You probably read about it all the time, someone’s identity being stolen. You may even get notifications or email about there being a security breach within a company you subscribe to, and that they recommend you get a new card because of it. No matter what you know about identity theft, it’s a crime that’s been growing all around the world. The New Mexico title loan experts at Tio Rico want to keep you save and share with you four simple ways you can protect yourself and your family from becoming a victim:(more…)
Unexpected events occur frequently, which means unexpected expenses will shortly follow. If you need help paying bills, there’s no need to feel embarrassed. When your emergency savings or health insurance program doesn’t cover something, don’t worry! My Tio Rico have many options, including Tucson auto title loans, that can help you get through the hard times without stressing. Check out the expert solutions My Tio Rico can offer you for temporary financial relief. (more…)
In light of our last blog post on how to use personal loans and auto title loans Tucson AZ programs to help save on your wedding, we’ve compiled a list on how to pay for the next phase of your wedding: the honeymoon! In addition to the financial hurdle that is your wedding, planning and paying for a honeymoon directly after requires a lot of budgeting and available funds. In addition to not having to deal with financial restraints on your wedding, here’s how to save on your vacation of a lifetime. (more…)
There are so many ways you can use the Tio Rico personal loans Arizona program to help benefit your financial state and happiness. Among monetary benefits, personal loans can carry much lower rates than credit cards, not requiring any collateral and granting you allowance to borrow a certain amount which you can then pay back in several installments.
With a personal loan, you can pay off your debt without the temptation and ease of swiping a credit card. In addition, as soon as you pay off your debt from our personal loans Arizona program, you’re completely done in regards to responsibilities to that program. (more…)
Many women fantasize about their wedding years before they even meet the love of their life. From choosing the color scheme, the dress, the flowers, the decorations it’s all ideal, but rarely do they ever think about the cost.
One of the most unromantic things about a wedding is the price tag it holds. Like all events, weddings are extremely closely with the average wedding cost being upward of $30,000. My Tio Rico knows you have other things you would rather spend that huge chunk of change on. In addition to websites like Pinterest, there are dozens of resources available to help you create a perfect DIY wedding at a very low cost. There are plenty of ways to save you bank account without sacrificing your dream day. The experts at My Tio Rico are here with 3 easy ways on how Tucson title loans can help you save money on your upcoming (or future) wedding.
Are you getting antsy to do some fall traveling? Why wait?! Fall is one of the best times to go on an adventure, and for following destinations, having small budget doesn’t matter! The Albuquerque NM title loans experts at My Tio Rico have compiled a list of affordable and exciting cities they recently visited that are up and coming when it comes to travel. Check out these locations around the United States that’ll get you itching to pack up your suitcase and hit the road! (more…)
This time of year, it’s hard not to see commercials or read blogs about the all the back-to-school sales at all your favorite stores. If you want to get the most out of your money while getting the kids ready for school ahead of time, why not take advantage of these sales the right way? Save big for the upcoming school year by following these 5 special My Tio Rico tips.(more…)
The unexpected, high-cost events that occur in life always seem to come when money is tight. Sometimes these costs leave us falling behind on our regular monthly bills. Between expenses for rent, electricity, water, cell phone, car, insurance bills and more, it’s hard to keep up with all these varying due dates. It doesn’t matter if you’re short on funds or living paycheck-to-paycheck, being late can impact your credit and cause some serious consequences. Tio Rico are here to help make sure that you avoid eviction, pesky late fees, and a plummeting credit score. Here are our top 4 tips to staying on top of your bills: (more…)
College is an exciting new time in life, but with knowledge comes debt. From textbooks to crazy tuition prices on the rise, many people are wondering how they’re going to be able to afford it. Although getting through four years of college while staying in good financial standing is almost impossible nowadays, the experts at My Tio Rico have the right tips to keep you on track to saving as much as you can during the school year. (more…)
Impulse buying: we’ve all done it. Whether in the grocery store, at the gas station, or in your favorite clothing store, an impulse buy usually pertains to purchasing something unnecessary without having planning to do so in advance. This type of buying tends to happen when we’re bored or in an extreme of emotion. However, this type of expense can add up rather quickly. Learn what you can do in order to avoid these impulse buys or what you can do to make up for that loss by applying for loans in Arizona through My Tio Rico!(more…)
We all dread it, costly summer energy bills. Do you ever brace yourself before opening the envelope or as the online payment page opens? The summer can be the best time for a lot of things, but overpaying on your energy bill because of the heat isn’t one of them! Lucky for you, the New Mexico car title loans experts at My Tio Rico know just what you can do to ensure that you aren’t overspending on your bills. Check out the following tips in order to save money–and energy–now! 1. Set your thermostats Setting the thermostat and maintaining it at the same level should decrease your energy by at least a small amount. It’s also a good idea to make sure that your kids stay away from turning it up or down.(more…)
Buying your first house is unequivocally one of the most overwhelming, yet exciting experiences you can go through. The process involves seemingly endless amounts of paperwork, infinite choices, and tons of other things you need to be on top of at any given moment. The Auto Title Loans Arizona experts at My Tio Rico have compiled a step-by-step guide to help you make sure you know exactly what you’re doing while maintaining a good idea of your finances, visits, and sanity! (more…)
“what is a personal loan?” Well, a personal loan is a specific type of unsecured loan, “unsecured” meaning that you don’t put up collateral for the loan. In fact, when you take out a personal loan, you’ll almost immediately receive the amount borrowed from your lender in a lump sum and then repay whatever was borrowed with fixed payment terms and a set interest rate. (more…)
Like most Americans, you probably spend a big part of your budget on food and groceries. Typically, the average family’s food costs per month average about $800. For many of these families, it may be hard to stay on a healthy diet because quantity can overpower quality when it comes to being on a tight grocery budget. Children in these families may be more apt to consume foods that have higher calories and lower nutrients than other options, ultimately leading to a greater possibility of long-term health problems and obesity.
Healthy eating is absolutely worth the investment. Shopping for items that are exclusively organic may be unrealistic and may break the budget but with a little planning and creativity you can create healthier meals and provide nutritious snacks for your family. The goal of this post is to show you that you can shop healthy while still staying in your budget this summer. (more…)
If you’re looking into auto title loans, you may have seen mixed reviews about this loan product come up in your research. It is always good to ways the pros and cons of a big financial decision but if you have bad credit a title loan may be a good choice for you. The benefit of taking out a title loan is that it offers cash almost immediately after you’re approved. You can use this instant cash opportunity to pay off that unexpected medical bill or other high-interest debt. In turn, by paying off your debt and responsibly paying back the auto title loan you can boost your low credit score. (more…)
You already know that New Mexico is known just as much for its beautiful landscape as it is known for enterprising and hardy residents. But did you also know that Tio Rico Loan Centers offer unmatched service and products in the New Mexico area?
It’s unfortunate that the problems facing most New Mexicans along with the rest of America include high debt due to high-cost life expenses. While you wait for your next payday, we have many different cash loan options for those needing to pay for ongoing home repairs, groceries for the family, or unexpected medical bills.
When bills continue to pile up, New Mexico residents consistently rely on Tio Rico for quick and reliable cash loans.It doesn’t matter if you have good credit, bad credit, or no credit history, we are always willing to sit down and discuss what your financial options are.
Our title loan application is quick and simple, and we’re always available via phone if you would prefer to speak with one of our friendly customer service representatives. Get a head start towards a better future by visiting one of our many locations today.
Did you know that 62% of Americans don’t have an emergency savings fund? Or that 47% of households don’t save anything at all? And that 76% of Americans say they are living paycheck-to-paycheck. What many people don’t know, is that you don’t have to live your life like this. With Tio Rico, you can break that paycheck-to-paycheck cycle and commit to taking charge of your financial life. Here are three steps to help you get started!
1. Examine your current budget and spending habits
In order to say goodbye to living your life via the paycheck-to-paycheck cycle, you should commit to tracking your spending. Evaluate how much money goes whereby creating a spreadsheet that lists how much you’re spending on food, clothing, gas, etc. Are there any surprises? Do you realize how much you were spending, and on what? Purchases such as coffee, happy hour outings, and even online subscriptions really add up. Are there things that you can eliminate? If yes, then start now. (more…)
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Not for all financial needs: This is a short-term loan designed to help with your immediate cash needs. It will not solve your long-term needs and refinancing will result in additional charges. We encourage you to (1) borrow only what you need and can repay and (2) shop the marketplace until you are convinced that you have found the best possible solution.
Transparency of costs for your loan: The cost of credit will be clearly disclosed to you in terms of the dollar amount of interest and the APR according to the principles of federal truth in lending law and regulations. For details on the specific costs of your loan, please see cost and terms on your loan agreement. Late fees and non-sufficient funds/returned item fees may apply as described in your loan agreement. We will never charge you any "hidden fees" that are not fully disclosed in the loan agreement.
Right of Rescission: If you change your mind about the loan, you may rescind your loan at no charge as long as you return the loan proceeds within the number of days specified in your loan agreement.
Implications of Late and Non-Payment: Policy and Procedure Regarding Late Payment and Non Payment of loan:
ARIZONALate Payments Title and Personal Loans: Late Payments are monitored and oversaw by the Arizona Dept Of Financial Institutions. Per title 44-6002 late fees are to be charged at a rate of 5% of the unpaid installment amount due. As disclosed in our note and security agreement we charge 5% of the unpaid principal balance of the installment amount due. This does not take effect until the customer reaches a stage of delinquency of not less than 10 days.
Non Payment of Title Loan: If a customer does not pay per the specified dates on the note and security agreement their vehicle could potentially become subject to a repossession. We always try to work with our customers as our first goal and priority is for our customers to be successful in the repayment of their loan.
Non Payment of Personal Loan: In the event a customer's loan account charges off due to non-payment they may be subject to further legal action per the note and security agreement. The note and security agreement is a legal and binding agreement where if necessary we retain the ability to seek judgment and garnishment as a remedy due to non-payment of the unpaid balance of loan.
Quick Personal Loan Terms:
Late Payment/Non-payment of loan can be found in the section above or on our disclosures page.
Fees – There are no fees associated with a personal loan other then a NSF charge if in the event the Bank Processor returns the payment due to non sufficient funds.
Renewal Policy – All personal loans are written for a term of 6-9 months that are paid in a range from 13 to 20 Bi-Weekly payments or 12 to 18 Semi Monthly payments. The majority of our personal loans are written as "installment loans" meaning that if the customer makes their payments on time at the end of the loan the account will be paid in full. If, in the event a customer falls behind or requests to have an Interest only loan, there are a multitude of options available. For example, they may renew their loan with a reduced rate as a installment to cure past due payments or renew their loan at a reduced rate.
For information on Tio Rico Te Ayuda's codes of practice and policies on responsible lending please see the section above or visit our disclosures page.
Late Payment/Non-payment of loan can be found in the section above or on our disclosures page.
Annual Finance Rate – The maximum state usury rates are governed by the state of Arizona and depending on the negotiated rate the annual finance rate can be anywhere from 120% to 204%. These are merely a parameter used by Tio Rico Te Ayuda as we try to negotiate lower rates for our customers to fit their specific budgetary needs.
Renewal Policy - All auto title loans are written for a term of 6-24 months that are paid in a range from 13 to 52 Bi-Weekly payments or 12 to 48 Semi Monthly payments. The majority of our auto title loans are written as "installment loans" meaning that if the customer makes their payments on time at the end of the loan the account will be paid in full. If, in the event a customer falls behind or requests to have an Interest only loan, there are a multitude of options available. For example, they may renew their loan with a reduced rate as an installment to cure past due payments or renew their loan at a reduced rate.
If the customer is in a good equity position and wants to continue to make the minimum payment due they are able to renew the loan for an additional 6 months at the same or reduced % rate compared to the rate that they previously had. We do this to reward our customer for a timely pay history.
Delinquency fees shall not exceed five cents ($.05) for each one dollar ($1.00) of each installment more than ten days in arrears; provided that the total of delinquency charges on any such installment shall not exceed ten dollars ($10.00)
Non Payment of an Installment Loan secured by a vehicles title:
If you fail to repay the loan pursuant to the terms of your contract your vehicle may be repossessed and sold. Additional charges may apply.
Non Payment of an Installment Loan, unsecured:
A judgment may be obtained for pre-judgment interest and other costs such as attorney fees as provided by law.
Quick Unsecured Installment Loan terms:
Late Payment/Non-payment of loan can be found in the section above or on our disclosures page.
Fees – Delinquency fees shall not exceed five cents ($.05) for each one dollar ($1.00) of each installment more than ten days in arrears; provided that the total of delinquency charges on any such installment shall not exceed ten dollars ($10.00)
Renewal Policy – All Unsecured Installment Loan loans are written for a term of 6-9 months days that are paid in a range from 13 to 20 Bi-Weekly payments or 12 to 18 Semi Monthly payments. All of our Unsecured Installment Loans are written as "installment loans" meaning that if the customer makes their payments on time at the end of the loan the account will be paid in full. For information on Tio Rico Te Ayuda's codes of practice and policies on responsible lending please see the section above or visit our disclosures page.
Responsible Renewals and Refinancing Options for installment loans: Our installment loans do not have to be paid off all at once like a payday loan. Instead, you can either pay the loan off according to the terms of the loan agreement or pay it off early to save finance charges. We may offer renewals or refinances of your installment loan. We strongly encourage principal reduction and early payment to reduce your finance charges.
Responsible payments for Pay Day Loans: The Pay Day loans are single payment short term loans and are due as stated on your agreement. We may allow an extension of time or a payment plan for repayment of an existing deferred deposit transaction.
Compliance with Laws: We maintain strict compliance with applicable state and federal lending laws. These include, but are not exclusive to:
1. Electronic Fund Transfer Act
2. Equal Credit Opportunity Act
3. Fair Credit Reporting Act
4. Fair Debt Collection Practices Act
5. Gramm-Leach-Bliley Act Privacy Requirements
6. Truth in Lending Act
7. Telemarketing Sales Rule
Contacting Us: We always provide a physical address, a toll-free phone number, and an email address so that you can reach us in the most convenient manner for you. We strive to respond to your mail, calls, and email in as fast a manner as possible so we can quickly answer any questions and solve any problems you might have. Please see Contact Us for details.
For additional information on Tio Rico Te Ayuda's codes of practice and policies on responsible lending please see the section above or visit our disclosures page.