In many parts of the country, the temperatures and the weather may have you feeling blue. You want to take a vacation but do not wish to spend the money. You can use your car to treat yourself and your family to a nice winter getaway and not by driving. You can use your car for an auto title loan to pay for your excursion.

If you own a vehicle, you can opt for a car title loan and then repay it to take a nice vacation to escape the dead of winter. Here’s how to do it.

1. Fill out an application for a car title loan. At Embassy Loans, you can visit their offices or you can complete the form online. Regardless of what you choose, you will be asked for some further documentation. You will have to verify your identity and prove that you own the vehicle. A copy of your driver’s license and the title to the vehicle will do.

2. Have the vehicle assessed for its value. Embassy Loans will estimate the value of your car or truck using the latest blue book values. You will be able to borrow up to 50 percent of the value of the vehicle. This protects lenders like Embassy Loans if a borrower does not repay the loan. The vehicle can be repossessed and then sold by the lender to recover any losses.

3. Pick up Your Money and Go on Vacation. The entire process from application to receiving your money can take as little as an hour. Car title loans are not like traditional mortgage loans or personal loans that require mounds of paperwork and a few weeks to process. They are a quick and efficient way for anyone who owns a vehicle to access cash.

A car title loan is completed very quickly, one of its big advantages. They are also an excellent option for a person who does not have a good credit history. With the banking industry raising its lending requirements, those with poor credit have a hard time using conventional means to borrow money. If you happen to be one of those who have trouble borrowing, a car title loan is a perfect way to access the cash you need to escape the winter doldrums. Be sure to have a plan for repaying the loan and try to do so on time. If you are able, pay more than your payment to pay down the principal balance to pay the loan off faster.