Chat with us, powered by LiveChat
Need a Title Loan?
We can Help You!
How Much Cash Can I Get?

Thank You for applying! We will get to you shortly. If you have any questions regarding your application please call 1-888-744-8953.

If you would like you fill out a full application please go ahead and submit your information on our full form (click here)

General Terms and Conditions.

Click here to verify

Apply for Car Title Loans

Auto Title Loans in Sacramento

By Jenny Williee | April 12 2019

Are you in need of Auto Title Loans in Sacramento? Is your bad credit history creating issues in getting a  loan? Don’t panic anymore. Car Title Loans California offers you a way out of credit slip and constant rejection in Sacramento. You can get a collateral loan with the help of your car’s title. This will provide you with instant cash against the equity of your car.

Auto Title Loans in Sacramento

Auto Title Loans in Sacramento is also known as “Pink Slip Loans” pink slip is the informal name of car title in California. You must not confuse title loans with auto pawn loans. When you get an auto pawn loan, you will have to leave your car at the pawn shop. But, when you opt for auto title loans in Sacramento, you just need to hand over your title to us and not your car in this case.

Car Title Loans California has the potential to end your cash issues. You can get a minimum of $2500 in cash. Car Title Loans California has experience of providing car title loans at the best rates. We have been helping Sacramento get car title loans since 1994.

Once you fill the online safe application form, your application goes to our experienced sales team. They will find out how much money you can qualify for. We will book out your vehicle with the Kelly Blue Book.

Do not panic about your bad credit score or inadequate credit history. Car Title Loans California offers title loans to people with credit issues. Also, the flexible repayment terms will ensure that your payments are no burden to you.

Requirements for Car Title Loans California

  1. Amount Owed

To get Auto Title Loans in Sacramento on your car title, we need to know if it is paid for or not. If there is another finance company or even another title loan company, we can still help you but we will need to find out what the payoff is first, so then we will know if we can help you

  1. Title

It is also important to have a clean title.  We will need to know if it is a salvage title, TMU or if there are any other issues with the title. We can work with all sorts of titles, but salvage and TMU will affect the value of the car, so we will have to adjust the dollar amount that you will qualify for.

  1. Mileage

The mileage on the car will also affect the value of the car. We will need to know the mileage and see if we will need to make any adjustments to the amount that we are going to lend to you.

Finding a way out of car title loan can be confusing to many. Car and auto title loans are given out to consumers without intensive applications. They are easy to qualify for. Credit checks are done through Experian, we are looking to see if there are no open bankruptcies. Credit scores will not be a deciding factor for you to qualify with us. So if you have bad credit do not worry, we can still get you your title loan.

A car title loan is a collateral loan where you (borrower) used the car to secure a loan. The car will have a lien placed on it at the DMV, and you will have to surrender a hard copy of the title. When you pay off your car title loan the title will be given back to you as well as the lien is released.

Also, have in mind that Auto Title Loans in Sacramento is a short-term loan, most of our loans range from 24 to 36 months long, they carry a higher interest rate than a traditional loan.

Collateral loans can be handy during the times of financial crisis. If you have an emergency need for cash, collateral loans are the best way to meet your expenses. However, in this case, the lenders will not lend an amount higher than 85% of the value of your car.

Highly Secured

This explains the facts that your car title loans are highly secured. You have to pay the entire principal amount in addition to the interest fees when you are ready to pay off. So make sure you can repay this lump sum or in partial payments at the end of the loan period. If you cannot do this, give a second thought before you apply for such a loan.

You need to know how you are going to pay off this loan. The loan period given to you will not be more than 48 months in most of the cases.

Being that said a car title loan is considered a high-risk loan for both you and us; the high-interest rate is assessed.  Borrowers default on this loan because they are in financial trouble to start or were not in the position in the first place to take out the loan. This makes it even riskier for us.

With that being said, you still need to have a steady source of income. After this is checked your car will be evaluated and inspected before any funds are received. We usually give out 50% to 85% of the value of the car. This leaves a cushion for us should in case you default on the loan and if need be to sell the car to regain our money back.

Car Value

Remember, the amount of the loan depends on your car value. Kelly Blue Book values are used to find the value of the wholesale. The car that you are using for a collateral loan must hold a certain amount of equity or be paid in full.

Our loan repayment is usually due in 36-month duration but in the case of a borrow needing more time to repay; we may work out a separate payment schedule for you. If you are unable to pay the balance of the loan at this time.

Car Title Loans in SacramentoThe issue with most people that opt-in to take out these short-term loans is that they are expected to pay back quickly. That may be easier said than done for you. Auto Title Loans in Sacramento range from $2500-$50,000 depending on how much your car worth.

We usually give anywhere from 12 to 36 months for the loan to be paid off. This can create an issue debt for you if you are unable to pay it off in time. How do you find the right debt solution when you are faced with this type of situation?


Take out a consolidation loan that will allow you to pay off your car title loan and have the option to pool your balance with other debt you may have. You will have to avoid high interest rates and fees charged by car title loan California and possibly reduce your monthly payment schedule in an attempt to get your debt paid off.

Auto Title Loans in Sacramento doesn’t work for everyone, though, being that you still have to be approved once you apply for it. If your credit score doesn’t permit you, this may not be an option for you. You may also be charged a monthly fee on a consolidation loan, and because it is unsecured, the interest rate may be somehow high.

Credit Counseling

In this type of situation, the credit counseling company will look at your budget and income. Help you restructure your payments to pay down your debt quick. They will work with your creditors to set up a payment schedule for you. It’s not a guarantee that your car title loan will cooperate and work together with the counselor, though. Taking care of your debt this way can help you in the long run by having a goal to pay off your bills but won’t support your credit. Creditors will still report that you are making payments late.

Debt Settlement

You or a professional negotiator can approach your lender and offer a payoff amount that is lower than what your loan. Most financial professionals start off by providing 25% of what you lend and then working from there. Debt settlement can save you a great deal of money, but unless you have the cash to pay, this may not be an option for you.


This should be the last option and is something that should be dodged if possible. You will lose your credit standing. It will get your car title loan collector off your back but may create problems for you as far as having future purchasing power.

How does the Car Title Loan work?

It is easier and faster to get Auto Title Loans in Sacramento if you own a car that’s paid off. If there is another lien holder on the title, the funding will take a little longer, but we will still be able to help you as long as there is enough equity in your car. You will have to provide the car title to us. In return, we will provide you with your requested car title loan offer.

Various auto title loan financing companies and lenders offer online loan approval. They use the internet to reach maximum customers. Also, many lenders design software applications for mobile to permit you to see how many loans offer you will get your car title.

The loan carries a high rate of interest as it is a short-term loan. While approving the loan, some lenders consider the value of your car instead of your credit score. It is possible that a few lenders may even require your car insurance. The loan amount depends on three things:

1) Your car’s value;

2) The amount of cash you need;

3) Your ability to repay the loan in full of no other liens or claims. It also needs to be fully insured.

What happens if you are unable to make Payments?

If you are unable to make payments on the loan schedule, you may lose your car. However, we may allow you to keep the loan for a longer term and try to get you current and help you in any way we can.

If you are unable to make payments even after extending the loan for you, we will repossess your car. We will sell it at an auction price to recover our money. So, it is essential to pay off your dues within the specified period.

Auto Title Loans in Sacramento is one of the best options to get money when you need it the most! But, remember it is important to create a plan for ensuring regular payments. And, once you have a schedule plan, it will get you out of the financial problem and save you from defaulting on your car title loan.

The only time you can lose your car is when you default from payment. Losing your car as the consequence of the non-payment of the loan is one of the reasons why it is important to repay the loan


As to the interest rate of your Car Title Loan Norwalk, rates are based on local, state and federal laws. Local, State and Federal governments have the authority to regulate these rates as well.

Due to this, it is important to note that Auto Title Loans in Sacramento are in strict devotion to these laws and regulations. We are well aware of these circumstances. It is, therefore, important for you to choose the most schedule period to repay your loan which will, in the long run, give you the best and sincere advantage.

In setting the record straight, we are good financial alternatives to people. Just like other financial institutions, interest rates are imposed on loans but are in strict adherence to the financial laws. These are secured loans recognized by the government and are legal, legitimate and safe. We offer quick solutions to your problems in times of financial needs. If you are in need of financial help and you need the easiest and fastest way, avail car title loans, come to us!