Find Out Instantly How Much Money Your Car Qualifies For!

Car Title Loans California

Here at Car Title Loans California, we are dedicated to offering you  the emergency money you need, when you need it with our quick and easy car title loans program. Bad credit or no credit? Not a problem. Getting A car title loan is a fast, hassle-free and efficient way to get emergency money using only the title of your car as collateral. Our fast and efficient approval process allows us to approve more clients than the other companies. We can offer you more money on your car than the other companies. We can offer you a lower interest rate than the other companies.

We can offer you to get you funded in the same day. We can also offer you our no pre payment penalty program. We are the best car title lender in California.

Use our easy online application or give us a call at 1-844-242-7467 to see how much you qualify for. Keep in mind that we allow you to keep and drive your car while you pay down your loan! Once we have you approved we will schedule your appointment in one of the closest offices to you. We offer our services in and around every major city in California, including Los Angeles, Riverside, San Diego, Orange County, Bakersfield, Fresno, Hayward, and Sacramento, San Jose and Oxnard and surrounding areas. Find these below or visit our locations page for more of our service areas.

How Car Title Loans Work

Loans start at $2500 and can go up to $50,000, depending on the value of your car and your ability to repay. If you own a car with wholesale value of at least $1000 to $4000, we will use the Kelly Blue Book to find out the value of your car. We also need to verify your income; we need to make sure that you have the financial ability to repay the loan. Our minimum income requirement is required for you to qualify for our minimum loan amount and you make at least $1200 a month, you’re likely to qualify for our minimum loan today. We are required to run your credit on Experian. We do look at your dept to income ratio. If you have had repossessions in the past, we can still qualify you.

If you cannot provide a pay stub then don’t worry, we also accept alternate forms of income, like retirement, disability, or unemployment and if you are being paid in cash, we will need a letter that states how much you are getting paid from your employer. If you apply now, you can get your car title loan-approved in as quickly as 15 minutes! We can approve you over the phone or on line. We will do our best to get you the money the very same day. The Loan terms are from 24 to 36 months, but since there is no pre-payment penalty, you can repay the loan any time before that, without worrying about any incurring fees or being charged unpaid interest. Remember, we don’t keep your car, and we don’t place any tracking devices on it either so you are free to use it as you normally would while paying down your loan. We believe our emergency loans should help you get your life back on track, not take control of it or interfere with your privacy. Once the loan is complete, we return the title, no strings attached. Using the equity in your car to help you get the emergency money you need is a safe, fast and reliable way to get money. For a more detailed breakdown of the loan process, visit our page on how title loans work.

Once you have your car title loan you need to think about how you are going to pay off the account. Maybe you have some money coming in, so you know it will only be a short term loan.

May be you can pay it off with your tax return money. If you are going to just make your monthly payments to pay it off the loan then you might want to pay ahead. You can pay ahead and pay half of your payment on the first of the month and the second half on the fifteenth of the month. You will actually pay one more payment per year but you will save a lot of interest.

Also another tip is to round up your monthly payments. If your payment is $378, if you would round it up to $400 it would also help you pay less interest and save you a lot of money in the long run.

We want to make sure that you get the emergency money that you are looking for but it is very important that the car title loan contract is manageable for your budget. We always tell our clients to please stay in contact with us. If you are going to be late with a payment, it is important to let us know when you are going to pay. Our account service reps will call you to remind you when your title loan payment is due.

If you are having problems making any payments and you are falling two months behind, the best bet for you might be to trade the car in at a dealer and get a new car with lower payments and interest.

You could always sell the car and then pay us off by selling it yourself or taking your car to a car buyer. The car buyer will give you less than if you sell it yourself. You could try and sell it on Craigslist or you could take the car to CarMax and see how much they will give you.

We are always here to help our clients. The last thing that we want to happen is that your car would get repossessed. When this happens no one wins. There will be extra charges added to the account. You will have to pay the repo fee and the storage fee. If we end up selling your car at the auction we have to pay the auction for selling the car, washing the car, getting keys cut, fixing whatever needs to be fixed and other expenses. If we end up having to sell the car it will cost us money. We will always want to help our clients out and keeping them in their car.

We might also be able to re finance your title loan. That will depend on the balance on your account and the condition of your car. With our refinance program we are sometimes able to get you more money and lower your rate. There are some deciding factors on the re finance and you will have to fill out a new credit application with us. We will need new photos of the car and then we will be able to see if you can qualify for a new title loan. For more questions regarding our requirements, visit our page on FAQ.

Car Title Loan Advantages

Car title loans aren’t like other types of loans. They let you use the title of your car or the pink slip also known as the title for the vehicle you already own to secure the money that you need. We will add our name as the lien holder on the title but you will still be the registered owner of the car. This way, funds are more immediate and credit history doesn’t play a big role in determining eligibility but there are factors that we do take into consideration. By getting a car title loan you will be able to get the money fast. The approval is fast so you can plan accordingly and know how much money you will be receiving. The funding is fast too, with having multiple office throughout California we can schedule your appointment the same day. We will go over all of the terms and payments before you go to the office to get your money. We want to make sure that there are no surprises and that you are fully a wear of how much it is going to cost you. Other loans typically demand a good credit score or, like payday loans, let you borrow too little for too short a time. With us, you can get a loan with up to 36 months to repay. Most payday loans must be repaid in two to four weeks and limit you to borrowing a few hundred dollars that must be paid back in one payment. Title loans are also better than pawning your vehicle. When you pawn it, you must relinquish it to the pawn shop until you have the money to repay the loan. Those kind of terms simply can’t compare to ours, not to mention those of more traditional lending institutions which require almost spotless credit and long wait times. See for yourself and compare our advantages to the list of California title loan lenders near you. We are not afraid to list all of the other car title lenders because we know we can qualify more cars than them, we can offer you more money than them, we can offer you a much lower interest payment than them, we will be able to fund you the same day at one of our locations and not have to send a notary like the other lenders do. With Car Title Loans California, you can continue driving your car until the loan has been repaid just as long as you continue to meet the required payments. As you can see there are many advantages with getting a title loan with us. But the most important thing to remember by getting a car title loan with us is that you will be getting your loan with one of the oldest title lenders in California. We always want to get you the money in the same day, so we will always do our best to provide that for you.

We can also do title loans on classic cars. We can do title loans on RVs. We can do title loans on motorcycles. We can do title loans on Big Rigs. We can even do title loans on mobile homes. If it has a title and it has a motor we will be able to see if we can get you the title loan that you are looking for.

If you are in Los Angeles you can always come to our main office to fill out your title loan application. We have plenty of clients that like to walk in to fill out the application. We prefer that we go over everything over the phone first so it will cut down your waiting time in the main Los Angeles office.

All of our loans are made pursuant to the California Finance Lenders License, so you know you are dealing with an established lender.

When you add all the factors why should you choose car title loans California as your title lender? It is an easy choice, we can offer you more money on your car, we can offer you a lower interest rate, we can fund you the same day, you will visit one of our local offices and we offer you no pre payment penalties. If you want the best car title loan company that can offer you the max on your title, then we are the company that can help you.

Apply or call us today and let us get you funded.