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Auto Title Loans in Long Beach

By Jenny Williee | June 7 2019

Auto Title Loans Long Beach works to provide you with the cash you need to help pay those unexpected bills. A car title loan can make people with poor credit histories and financial backgrounds to live a satisfying kind of life when all hope is lost and they have no one but their car.

In case you’ve encountered an unexpected financial circumstance that’s rendered you looking at your options for assistance, auto title loans Long Beach might be the temporary solution to your financial problems.

Auto Title Loans Long Beach

Before we go into car title loan in Long Beach, we will first review auto title loan in general.

A car title loan is a type of secured loan where borrowers can use their vehicle title as collateral. Borrowers who get title loans must allow a lender to place a lien on their car title, and temporarily surrender the hard copy of their vehicle title, in exchange for a loan amount.

When the loan is repaid, the lien is removed and the car title is returned to its owner. If the borrower defaults on their payments then the lender is liable to repossess the vehicle and sell it to repay the borrowers’ outstanding debt.

These loans are typically short-term and tend to carry higher interest rates than other sources of credit. Lenders typically do not check the credit history of borrowers for these auto title loans Long Beach and only consider the value and condition of the vehicle that is being used to secure it.

Secured Loan

Despite the secured nature of the loan, lenders argue that the comparatively high rates of interest that they charge are necessary. As evidence for this, they point to the increased risk of default on a type of loan that is used almost exclusively by borrowers who are already experiencing financial difficulties.

Most title loans can be acquired in 15 minutes or less on loan amounts as little as $100. Most other financial institutions will not loan under $1,000 to someone without any credit as they deem these not profitable and too risky.

In addition to verifying the borrower’s collateral, many lenders verify that the borrower is employed or has some source of regular income. The lenders do not generally consider the borrower’s credit score.

About Long Beach

Long Beach, California is situated along the Pacific Coast but lies within Los Angeles in Southern CA. In former years, Long Beach was a seaside resort that also dealt with agriculture. At that time, the Pike was a popular amusement park.

It is now home to the largest shipping port in the world and its container port is the 2nd busiest in the world. It also has oil wells that are situated directly beneath the city and also offshore wells. Those, however, have been declining in recent years.

Also called the Aquatic Capital of America, Long Beach offers plenty of opportunities for water recreation. If you have money, that is. Don’t miss out on the fun just because you’re running short on cash this month.  Auto Title Loans Long Beach can actually help you sought out some of your financial challenges and set you on track once again.

PopulationBeach Queen Mary Auto Title Loans Long Beach

Long Beach is a populous city located in Los Angeles County, famous around the world for attractions such as the RMS Queen Mary and the Aquarium of the Pacific. Conveniently located close to both Orange County and Los Angeles, it’s a popular place to live and work.

Unfortunately, like so many other cities around the country, Long Beach has been hit hard by the Recession, and many local residents have had to seek out financial assistance.

A vehicle title loan works by giving the temporary ownership of your vehicle’s title in exchange for awarding you with a cash loan amount based on the value of your vehicle. You’ll have 36 months to repay your loan, and unlike pawning or selling your vehicle, you’ll be able to use it as much and however, you want throughout the course of your loan.

Auto Title Loans Long Beach

You can obtain these car title loans with the following types of vehicle

  •  Cars
  • Trucks
  • Vans
  • Motorcycles
  • RVs
  • Boats
  • Golf Carts

To get a title loan from most of the loan companies, you must either own your vehicle in full or have almost paid it off. Your vehicle must also have a wholesale value of at least $5,000 to qualify for a loan.

Call Agent

The next step is to call the agent. They will arrange to meet you at a convenient location. They can appraise your vehicle and make you a cash offer based on its appraised amount.

When a financial institution or a lender is approached for a car title loan, inspections are commonly required. They ensure and establish some facts about the car. Some of the facts to establish during inspection activities are car’s roadworthiness, the proof of ownership of the vehicle if you have an active insurance policy titled in your name.

These and many other factors are likely to give you a higher loan value. If you have some aftermarket additions to the car, then the car could qualify for more money.

Physical Inspections

Lenders will also carry out physical inspections on vehicles. Discovering if the cars that are applying for title loan have once been involved in accidents, have been modified and if yes, are those modifications according to the code?

Also to see if there are evident dents (such as scratches, broken glass, scraps, broken lights, and much more). To discover if any bodywork has been carried out on the car, though many folks out there often want to avoid physical inspection of their car before they are granted car title loans.

If you happen to be one of those folks that require a car title loan without going through physical inspection of the car, you are not alone in the court. Many prefer to skip this process not because they don’t have the car but due to many other reasons such as:

  • Their tight schedule of not having the chance to drive the car to a particular place and waiting for the whole process to be carried out and completed,
  • They don’t want to deal in person, body shop, 
  • The car is in the body shop, mechanic’s shop, impound yard.

Apply Online

There is a way out to this. Auto Title Loans Long Beach can be simply acquired online outside any form of physical inspection by undergoing some assessment processes of the vehicle to ascertain the car to be used as collateral.

The typical evaluation process is to fill a section of the online application form where you are required to enter various key details of the car that would then be verified by the person carrying out a physical inspection on your vehicle to get those details.

This simply means that you are performing the physical inspection yourself instead of letting someone do it.

Photos Of Car

The agent needs complete photos of the car. To show the complete condition of the car.

It is worth mentioning here, that when you are seeking for a title loan online, your accurate legal details or information are being provided; hence, you cannot falsify information about your vehicle as the provided details will be processed and verified at the loan center.

Any discrepancies discovered in your provided information as contrary to the data from the car title loan calculator and your application will be denied automatically.

Believe it or not, you can apply for an Auto Title Loans Long Beach, even if your credit rating is not the greatest. Though there is some certain condition that may be considered before the loan might be granted which include your ability to pay the loan and the value of your car.

The minimum amount you can get from auto title loans Long Beach is around $2,600.

Common Uses

Common Uses for Auto Title Loans Long Beach

  • Emergency Expenses
  • Education Expenses
  • Medical Bills
  • Groceries
  • Fuel
  • Utility Bills
  • Traveling

Documents You Need

In order to obtain Auto Title Loans Long Beach also called a pink slip loan, a borrower must own the vehicle outright; there may be no liens against the title. Lenders also require certain paperwork, including any or all of the following:

  • Original vehicle title showing sole ownership
  • Government-issued identification matching the name on the title
  • Utility bill or other proof of residency matching the name on the title
  • Current vehicle registration
  • Proof of vehicle insurance
  • Recent paystubs or other proof of ability to repay the loan
  • Names, phone numbers, and addresses of at least two valid references
  • Working copies of the vehicle’s keys

Some lenders also require a GPS tracking device to be attached to the car, in case the borrower defaults and the lender win the right to repossess the car. Some of these devices are designed to permit the lender to disable the car remotely.

We Don’t Use GPS Tracking

We do not use GPS. You do not need good credit to get a title loan. In fact, most title-loan lenders in Long Beach won’t check your credit at all, since the loan depends entirely on the resale value of your vehicle. Likewise, you do not need to be employed to qualify for a title loan in Long Beach.

We will do a credit check. See your full picture of all of your creditors.

Also, need to see if you are currently in Bankruptcy. If you are, unfortunately, we will not be able to help you.

Car title loans are considerably more expensive than traditional bank loans. Interest rates vary.

Most lenders charge a lien fee of at least $25 to $30, some lenders also charge origination fees, document fees, and key fees, processing fees or other fees. The fees add up quickly and can amount to 20% to 25% premium (or more) on top of the loan and interest charges. Be sure to add up all the fees when figuring the total cost of the loan.

We only charge you a documentation fee and that depends on the dollar amount. If the title loan that you are getting in Long Beach is under $ 5,000, we will only charge you $75.00

There will be some DMV fees for transferring the title. The DMV fee is $15.00.

If you have other fees owed to the DMV we will take care of them by using your title loan.

Best Candidate

Singing Office Auto Title Loans Long BeachThe best candidate for a car title loan is someone who owns a vehicle outright or has equity in their vehicle, understands the potentially high cost of the loan and has a reasonable expectation of having access to the cash to repay the loan before the repayment period expires.

If there is no clear and realistic plan for paying off the loan, a car title loan can amount to selling the vehicle for half or less of its value.

Many title-loan borrowers renew their loans several times, making the financing much more expensive overall. So, again, the most critical consideration is the ability to repay the loan on or before its due date.

Straightforward Terms

With all of our title loans, the terms are straightforward. Our average loan term is 36 months long. We have no prepayment penalties. There are no rollovers. We make it easy for you to get the title loan in Long Beach and we make it easy for you to pay off.

The best part of an Auto Title Loans Long Beach is that you save time by avoiding mounds of paperwork and a drawn-out credit check and credit history.  

If you are at all confused by the car title loan process, we would love to help explain it to you. The process for getting car title loans is fast and incredibly simple

The Process

The car title loan process consists of several main steps including an online application, a call from the company sales reps, the  documents needed, a vehicle inspection, signing the loan terms, picking up your money, paying off the loan, and getting your title back

In the past, the only way to get a reliable personal loan was to go speak with your banker. After checking your assets, your job status, your salary and your ability to repay the loan, you might be able to get a bank loan.

But normally bank loans that are unsecured are more expensive. These days’ residents of Long Beach, can apply for an online car title loan and avoid all the hassles and red tape of conventional loans.

They are quick and user-friendly because you can apply for them online. Unless you prefer going to the company’s office to apply in person, you can stay at home in your lounging clothes and fill out the application at your convenience.

We can help all of our clients in Long Beach get their emergency title loan.

Contact us today and we will help you. We are licensed by the DBO.