Car Title Loans and You
Most people are not aware that they can qualify for a car title loan when they have a financial emergency by using the equity that they have in their car.
Maybe you have bad credit and you have miss handled your credit in the past. Your credit score is bad; you are thinking that there is no way you will be able to qualify for any loan. You might also be wondering how you will ever be able to rebuild your credit score again!
You can apply for a car title loan with us and we will see if we can get you qualified. Also by getting a loan with us, you can start to rebuild your credit with us. We report the credit agencies. We work with all types of credit scores. So if your credit is bad, that will not stop us from lending money to you on your pink slip.
So What Is a Car Title Loan?
It is a loan that can use the equity that you have in your car. Your pink slip or car title will be used as the collateral. Your loan will be secured by your car. A car title loan is a secured loan. You will still get to keep your car and drive it as you wish. We will be going on the title as the lien holder to secure our interest in the car with the DMV. This will give us the security of your car title loan. Your monthly payments will be paid 30 days after you sign the contract with us.
Our minimum loan starts are $2,500 and we can lend up to $50,000. The dollar amount that we can give to you, all depends on the value of your vehicle. Once you have finished making all of your payments or you have paid us off your car title loan, we will return your title to you. Our length of our loans range from 24 to 48 months, all with no prepayment penalties.
We work With Bad Credit
If you have bad credit, you can still qualify for a title loan with us. If you have maxed out all of your credit cards, have a bad credit history or you have even had a bankruptcy, using your pink slip to get a title loan with us all depends on your equity that you have in your car.
Getting an Auto Title Loan with us you can start to rebuild your credit. You will be able to take care of your financial emergencies. We approve more applications than the competition. We will be able to get you more money on the equity of your car than the other title lenders.
We will also be able to get you the low payments that you are looking for. Plus we can also offer all of our car title loans with no prepayment penalties. That gives you the flexibility to pay us off as soon as you have the money.
Title Loan Requirements
First of all, we will need to book your car with the Kelly Blue Book, to find out the wholesale value of it. We will need to see if it will qualify for our title loan program.
Clients ask us all of the time. “How much money can I get on a car title loan?” We can give you up to 85% of the wholesale value of your car. Our full application can be done online or we can take it over the phone.
We will need to do a credit check. Bad credit is ok with us, but there are things that we need to see on your credit, that will determine if we can fund you or not. To get you to qualify for an auto title loan with us, you will need to provide us with your proof of income.
You can provide us with your bank statements, pay stubs, letter of employment or even your tax returns. We need to see your monthly income. Your proof of income is the second most important thing for us after the wholesale value of your vehicle
Your income and car are the most important things for us to get you approved. Your car will let us know the maximum that we will be able to lend to you and your income will also let us know how much you will be able to afford to pay.
We do not want you to get a vehicle title loan from us and not be able to afford the payments. We want to help you get the money you need as fast as possible but we have to be responsible and see how much your income will support. You will need to provide us with your proof of your residence. You can use any bill that goes to your home address with your name on it.
You will need to give us your insurance company information. We will add our names to your policy as the loss payee. This will give both of us security. If something happens to the car, the insurance will pay us off and you will not be financially responsible for the balance of your vehicle title loan.
You will need to give us 5 personal references, names, address and phone numbers. We will only use the personal references if we are unable to have any contact with you. Communication is always vital with any loan. If you are going to be late for any payment, we ask for you to let us know ahead of time.
We always work with all of our clients, but please stay in touch with our account servicing tame. We will ask you to take photos of the car. We will need both sides of the front and back of the car. If there are any damages to the car, please take detailed photos of them. If we need to make any deductions, we will let you know over the phone, before you go down to one of our local offices.
We will also want you to take a photo of the actual mileage on the car. We need to confirm the real mileage on the vehicle before we have your title loan contract ready for you.
Once we have all of the documentation, our car title loan calculator will let us know what the terms will be. It will let us know the dollar amount, the payments, the monthly payments, the due dates and the length of the title loan.
If you do not have a job or any income or not enough that we can verify, you will need to get a co-signer for you. We can combine both incomes to make sure that you have enough income to support the title loan that you need. We have to see that you will be able to make the payments, so if we have to combine two incomes to get the number that the car title loan calculator will accept, then that is what we will do.
What Can You Use a Car Title Loan for?
Auto title loans can be used for many different reasons; we do not put any limitations on what you can use the money for. Some of our clients have used them for paying for car repairs, fixing some problems in their home, paying for college tuition, investing in a new business, getting their car out of the impound yard or Getting their car from the body shop. As you can see people use their title loan for many different things, being able to get a few thousand dollars from you cars equity is a really fast and simple process.
How Can I Apply For A Car Title Loan?
You can call us toll-free and lets our sales rep take your application over the phone. Or you can simply apply online and fill out the application.
Our sales reps will walk you through the whole process, step by step to get you funded. Our experienced sales reps are very knowledgeable and if you have any complicated situations at the DMV or your car is in the impound yard, we will be able to help you.
We can get you instantly approved and all of your information is kept private. We are able to deposit your money straight into your bank account if you want. Or if you want to get cash, we can send your money with Money Gram and you can pick up the cash at any location that has Money Gram.
Car Title Loans Place Near Me?
We have multiple locations around California. Our clients ask us. “Can I get a car title loan near me”. You can go to any one of our locations in Los Angeles, Riverside, San Diego, Orange County, Bakersfield, Oxnard, Fresno, San Jose, Hayward (East Bay San Francisco) and Sacramento. Please ask your sales rep, what office will be the most convenient for you to go to for you to get your title loan.
Please do not forget to bring your vehicle because we will need to do a final physical inspection before we fund the title loan. Also, it is very important that you do not forget to bring the title or the pink slip to your appointment. We will not be able to fund you without it.
Call us today at 844 242 7467 or apply for an online title loan.