Financial Fitness
Top 10 Frugal Ways to Spend your Tax Refund
Along with 6 Common Frivolous Uses...
May 22, 2017

Like millions of Americans each year, a tax refund on average is in and around $3,000? It won’t make you rich, but still, found money is great money, you worked for it, earned it, and $1000’s of it is great news! if used wisely, can help build up your assets, and make life improvements that last. If spent frivolously can be gone in a few hours….

Tax Refund Uses 2017 Title pro Loans

Here are 10 options to make good use of your hard-earned tax refund

  1. Emergency fund savings
  2. Pay off debt (credit cards and loans)
  3. Pay off your car or start a car fund
  4. Home Maintenance
  5. Pay ahead on your mortgage
  6. Fund an individual retirement account
  7. Add Life Insurance
  8. Give to your favorite charity
  9. Pay off college loans

6 Frivolous Ways to Use your Tax Refund

  1. Do not go on a shopping spree.
  2. Do not increase the frequency of your regular spending activities.
  3. Do not get a new car just because now you have enough for a down payment
  4. Put the check directly into a checking account to save – good intentions but little interest
  5. Loan it to family members. Didn’t you once do this before?
  6. Have a giant party.


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  • * Loan transactions completed before 4pm CST on the same business day may be eligible for same day funding.

    To qualify for a Title Pro loan, applicants must satisfy all Title Pro eligibility requirements including, without limitation, an unencumbered motor vehicle title, satisfactory vehicle appraisal, verifiable identity, a minimum satisfactory FICO® score, valid and verifiable email address, valid and verifiable bank account and, in some states, minimum verifiable income. Applicants must be 18 years of age or older (19 in Alabama). Title Pro reserves the right to require all applicants to submit documentation to validate loan eligibility requirements. Available loan amounts, repayment periods and applicable finance charges vary by state and are governed by state law and the Title Pro loan agreement. Refer to the States and Fees page for further details on Title Pro’s licenses, available loan amounts, and loan pricing.

    Title Pro currently does business only in South Carolina, Georgia, Alabama, California, New Mexico, and Utah. If Title Pro is not able to approve you for a loan, or if you reside in a state where Title Pro does not currently do business, you may request Title Pro to refer you to another creditor who may be able to assist you with your credit needs.

    In South Carolina, Georgia, Alabama, California, New Mexico, and Utah, all Title Pro loans have a contractual term of 36 months. Following is a representative example of a $3,500 Title Pro loan.

    In South Carolina, Title Pro makes motor vehicle title secured supervised loans authorized by the South Carolina Consumer Protection Code, § 37-3-501 et seq.; Title Pro does not offer short-term vehicle secured loans as defined by South Carolina Consumer Protection Code, § 37-3-413.

    Loan Proceeds Title Fee (amt. varies by state) Finance Charge Payment Schedule+ 36 payments of: Total of Payments Annual Percentage Rate (APR)
    $3,500 $15.00 $2,279.30 $160.96 $5,794.30 35.98%
  • + The loan example above assumes a monthly payment schedule with payments due on the same date of each month – actual monthly payment amounts and APRs may vary depending on the month and date of loan origination. The final scheduled payment amount typically differs from the standard payment amount.
  • - California customers: In California, the minimum loan amount is $2600. Loans are made by TMX Credit, Inc. d/b/a Title Pro, California Finance Lender Law License No. 603 J737. Refer to the States and Fees page for further details.

    The minimum contractual term of a Title Pro loan is 36 months, and the maximum contractual term of a Title Pro loan is 36 months. The maximum annual percentage rate (APR) for Title Pro loans is 35.99%.
  • - New Mexico Consumers: please see important New Mexico Consumer Information and Disclosures.
  • - Utah Consumers: please see Utah QUESTIONS or COMPLAINTS.
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