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How do title loans work?

Joshua

Joshua

Total Posts: 97

Published Date: February 21, 2018
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Lenders issue car title loans for an amount of money over a short period of time. Borrowers obtain car title loans when they give the title of their vehicle, such as their car, truck, or motorcycle, to the lender as collateral.

The borrower generally agrees to pay a fee. Lenders usually give borrowers 36 months to repay the loan

When you arrive at the store or contact the lender online, you show the lender a few documents. These documents generally include an application, title of the vehicle, and a photo ID.

Many lenders will ask to see photographs of the vehicle or look it over in person. Some lenders require borrowers to provide them an extra set of keys or make them buy a roadside service plan. Next, if they accept the borrower’s application, lenders ask for the title of the vehicle. Once the borrower agrees and signs the agreement, they must repay the loan.

How Do Title Loans Work At Car Title Loan California

At car title loan California, the entire process takes as little as 30 minutes to complete. It’s really simple.

All you have to do is apply online or stop by at one of the many car title loan California locations available in your area.

From there, you just need to supply a lien-free car title and government-issued identification, such as a driver’s license or passport.

Our friendly employees assist you in every step of the way.

We will conduct a quick appraisal of your vehicle and determine the loan amount. Using this appraisal value, you could obtain the money you need while still being able to drive your car.

We will release the lien on your vehicle once you repay the loan.

Below is a summary of how car title loan works in California:

Bring your vehicle to a local  Car Title Loans California location

Drive your fully operating vehicle to a store location for inspection. See a full list of acceptable vehicles below.

We complete a vehicle inspection

Our team will complete an inspection of your vehicle to determine the value over the phone and then at our location we will do the physical inspection.

Finish your application and receive an instant lending decision

After we have processes your application, you will receive a lending decision, including a maximum car title loan amount if approved.

The amount that we offer will depend on a variety of factors, including the outcome of the vehicle inspection.

Sign your loan documents and drive away with title cash in hand

If approved, review and sign your loan documents, and receive cash on the spot via Money Gram. Plus, you get to keep your car!

Make payments until your  auto title  loan is paid in full

Make scheduled payments according to the determined timeline in your title  loan documents.

Once paid in full, the lien on your title will be released. With a Car Title  Loans California, you can always pay off your title loan early – no penalty fees.

We make the car title loan and car title pawn process easy at car title loans California.

Our customer service representatives work with you to ensure that you receive as much cash as possible.

Our approval process helps get you the money in your hands fast. We often conduct a credit check and give you plenty of time to repay your loan. You even get to drive your car! We offer interest rates competitive to anywhere else online. Give us a call at today

Car Title Loans California is a platform that does not endorse specific lenders and does not charge visitors any fees for its services. The website owners do not assess or approve credit, and information collected from applicants is transmitted to lenders or partners within the site's lending/partner network. Visitors are under no obligation to use the website or initiate contact with site operators. Additionally, there is no requirement to secure a loan or financial product/service from any of the site's lending partners. It is essential to understand that the transmission of financial and personal information on the website does not obligate lenders or partners to offer a loan or any credit product or financial service. Cash transfer times may vary, and it may be necessary to fax information under certain circumstances. Questions about loans and concerns should be directed to the lender or loan servicer. The loans facilitated by Car Title Loans California are intended as short-term financial solutions to address immediate monetary needs and are not intended to be part of a long-term financial plan. These services may not be available in all states. Potential borrowers may undergo a credit check, and lenders may use major credit reporting bureaus, such as Equifax, Trans Union, and Experian, as well as other alternative sources to check credit ratings. The locations mentioned on the website are Car Title Loans California partner locations, and loan amounts vary based on qualifications. Since Car Title Loans California does not lend money directly, it cannot offer solicitations for loans or financial products/services. The service connects users with lenders or partners based on the provided information. States serviced by the website may change without notice, and personal unsecured loans may not be available in all states and areas. Loans offered through the website typically do not have pre-payment penalties, but Car Title Loans California cannot guarantee that every lender meets this standard. All lenders and partners are responsible for their own interest rates and payment terms, and Car Title Loans California has no control over these rates or payments. The number of people applying for loans may not be the same as the number of people eligible to receive them, and Car Title Loans California cannot guarantee approval for a loan or financial service. The website advises users to use their discretion when working directly with lenders or partners. For car title loans, some lenders may require the use of a GPS locator device on the vehicle. Whether the lender pays for or charges the borrower for this is at the discretion of the lender. In some circumstances, faxing may be required, and the use of a cell phone to receive updates is optional. Users are encouraged to review the privacy policy. Loans offered through the website can be expensive, and users may have other, potentially less expensive, ways to secure funding. These loans are designed for short-term financing to address immediate cash needs and should not be considered a long-term solution. Residents of some states may not be eligible for a loan, and loan rejections are not disclosed to Car Title Loans California. Users may want to contact the lender directly. Loan amounts differ at locations, and account approval requires satisfaction of all loan eligibility requirements, including a credit inquiry and, if applicable, a motor vehicle appraisal. Lenders are typically licensed by the state in which the borrower resides, and users are advised to consult directly with regulatory agencies to ensure their lender is licensed and in compliance. Regulatory agencies are in place to protect borrowers, and it's recommended to verify the full licensing of any lender providing funds.