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Frequently Asked Questions

BAD CREDIT LOANS

Can I Get A Loan With Bad Credit?

Firstly, how does a vehicle title loans work? It’s simple; the lender uses your car as collateral. Your car is valued and you are loaned accordingly. In California, the minimum amount set by state law is $2,500. This is duly supervised by the DBO.

What if I have a terrible credit history, can I still get a loan in California?

If that sounds like you, then YES, you can still get a title loan with a terrible credit history that is a thousand miles away from being impressive.

You most likely like many others out there have made poor financial decisions that have dented your credit score but it is 100% possible to still get a title loan

How is this possible to get a car title loan with an unflattering credit history?

how can i get bad credit title loans Your car is automatically the collateral for your auto title loan. Your car makes it easy to obtain the car title loan as the lenders have something to fall back on if you default on your loan repayment. Though bad credit may impede getting loans in some areas, this is entirely different for car title loans as your vehicle’s worth and ability to repay the loan is mainly the basis of receiving a loan not your credit score. This in no way implies that the lender does check your credit history, they will certainly need to know if you’re heavily defaulting on major payments alongside being unemployed.

But keep in mind that past bankruptcies hardly get in the way of getting a car title loan.

That said, your credit rating/score only represents your past.

The approval is not influenced in any major way by a bad credit rating. Car title loans are almost effortlessly secured because lenders are assured by the important asset in question which is your car and its value if unfortunately, you fall outline. This means, aside from your pledge to repay the loan the lender has something valuable to hold on to. In essence, auto title loans are somewhat a blessing for people with bad credit record and are finding it hard to get a loan elsewhere.

Also, your job will be your credit. So as long as you can show your proof of income, you will be able to get a pink slip loan.

Giving auto title loans to persons with bad credit history isn’t much of a big deal for lenders as bad credit will not stop you from getting a car title loan. The value of your vehicle and your ability to repay are the most important things. You can get from 60-80% of the car’s resale value. Other factors that could influence getting a title loan despite a bad credit score include:

  • State of the vehicle
  • Car mileage
  • Car model
  • Year of launch
  • Your monthly income doesn’t necessarily have to be from an employment
  • Formal references and some other factors.

The quick fact here: a vehicle with more than 200,000 miles in it will not qualify for a title loan in California, except it is a diesel truck.

Conclusively, your bad credit should not deter you from applying for a car title loan as it plays very little influencing most lenders decision to give you a loan.

LOAN PAYMENTS

How Do I Get My Title Back?

We sometimes get into financial difficulties and yes, even the best of us.  And to sort these issues, friends and family are occasionally great options.

Aside from them, getting a loan with your car as collateral is another possible way of getting cash real quick and easy.

Qualifying for a car title loan is pretty much easy, you get a loan based on the equity in your car. A car title loan gives vehicle owners access to a few thousand of dollars in a fast loan process. There is minimal credit requirement to get this loan and prominent among these requirements is that you have qualifying equity in your car. In simple terms, when you sign a loan agreement with a lending institution, you are clearly saying your lender can take full possession of your vehicle if you default on payment.

Title loans are delivered just within minutes to a few days of application and approval so it’s a viable option if you are seeking a quick loan.

Car title loans are typically short-term loans and many are due 24 to 36 months. Hence, repaying the loan and getting your title back should be a major concern immediately you get the loan. A good number of borrowers fail to understand that due dates are often in a few days, weeks or months so there are additional interest and late fees being applied to the title loan account.(with additional charges most times) and when borrowers default on repayment, title lenders repossess the car.

To avoid this, ensure you only take a car title loan if you are certain of paying back the loan or make your monthly payments on time. Sadly, some people take auto title loans without making repayment plans and some of loan takers have lost ownership of their vehicles in the process.

But if you stick to your end of the agreement, you could save yourself a lot of extra interest and fees by just paying on time and even more important the embarrassing repossession of your vehicle by your lender.

So how do you get your title back? Remember, you handed all ownership rights to your lender immediately you took the car title loan, therefore before you can get your vehicle back, you must repay the loan in full, this includes the initial loan amount, interests and late charges if repayment period was extended.

They may differ with states but generally, reclaiming a car title follows virtually the same procedure.

An auto title loan is filed right under secured creditors. Once you complete the payment plan, the lien holder notifies your state’s Department of Motor Vehicles (DMV). This could be done electronically or via submission of paperwork as proof of repayment.

Usually, there may be delays as checks have to be cleared and paperwork’s prepared to duly notify the state. Your title is mailed to you once the DMV is notified. It may work differently in some states as you might need to go in person to get back your title at the vehicle agency.

How do I pay my loan or pawn?

If you are currently considering a title loan then you may be curious “how are title loans paid back?” Here, at Car Title Loans California, we want to detail all the ways in which you can pay title loans back so you can pick the one that is absolutely best for you.

We are strong believers in consumer education and lender transparency so we want to make it as easy for you as possible to get the information you need.

It is for this exact reason that we have been building out and expanding our website to include these resource articles to answer each and every question you could come up concerning title loans.

Car Title Loans California has been around for so many years now, making us one of the oldest if not the oldest title loan lender in the state of California.

We have so many years of experience under our belts and that has helped us to perfect the lending process along with the repayment process so it all goes as smoothly as possible.

We know that all of our customers have different unique circumstance that make certain payment methods unrealistic which is why we have been regularly coming up with new ways to pay down your auto title loan.

The most recent option that we have introduced is a new online automatic payment method.

With this new option, you will never make a late payment again.

This new option allows you to make payments via ACH.

All of our customers will be able to make payments through ACH via the phone with a representative or make a one-time payment as a guest online or enroll to be able to continue making regular/automatic payments online.

Simply visit our site to make a guest payment or enroll for automatic withdrawals. However, this is only the most recent addition.

There are still many other ways to pay off your title loan.

Ways to Pay Off Your Car Title Loan

There are numerous convenient ways for you to make payments on your title loan. We continue working on new enhancements to our payment structure so this list may continue getting longer over time. For now, these are the available options we have:

  • Mail in your payments just like you do with your rent check or your utility check. That way you won’t forget.
  • Online single or automatic payment through ACH.
  • Pay over the phone with a card by talking with one of our friendly loan agents.
  • You can make your loan payment in person at one of our numerous locations with cash, card, or check!
  • You can pay at a local MoneyGram center or use MoneyGram online. The standard fee for making a payment through MoneyGram is $9.95 and MoneyGram’s online service has a $600 limit per transaction.
  • We also accept payments via Western Union to make it as convenient for you as possible.

 

So, you can see that at Car Title Loans California, making a payment is not as difficult as you think.

So take off your mind off those negative thoughts of being caught up while trying to make your payment because we will make it a seamless one!

Is there a pre-payment penalty?

Most people come to us every day with this type of question sometimes tens and hundreds of them. Is there a pre-payment penalty? No, absolutely not!

Since the penalty is based on the remaining title loan balance’s percentage, this means that you’ll have to pay interest on the loan.

In most cases, a contract of a loan states that you’ll have to pay a penalty for the pre-payment of your title loan.

In our case, you won’t be asked to pay any kind of penalty or you won’t be charged if you make a decision to pay off your loan earlier than the end of the loan term

Many people don’t seem to understand what a “prepayment penalty” is, much to their own detriment months or years after signing mortgage loan documents.

This is especially true because it is often poorly explained, or not brought up altogether.

Instead, it’s buried in the paperwork and glossed over by borrowers who are eager to close on their mortgages and move on.

Unfortunately, this can be a costly mistake if you happen to break the rules, whether you realize it or not.

A prepayment penalty, also known as a “prepay” in the industry, is an agreement between a borrower and a bank or mortgage lender that regulates what the borrower is allowed to pay off and when.

Most mortgage lenders allow borrowers to pay off up to 20 percent of the loan balance each year.

At this point, you might be wondering why would anyone pay more than 20 percent of their loan off in one year?

Well, thinking outside the box a bit, paying off a mortgage early can happen in a variety of different ways.

Some customers want to pay the loan off earlier and that is GREAT because interest still is being charged while you have the loan out but once you stop, the interest stops as well.

This is extremely helpful because you could literally save thousands of dollars.And this will be to your own benefit

At Car Title Loans California, payment is due within 30 days.

On a multi-installment title loan, payments are due monthly. You can make a payment on your title loan as often as you would like to, and Car Title Loans California encourages it.

This flexibility helps our customers to fit their repayment into their own unique budget.

Car Title Loans California will never charge you a prepayment penalty. You can pay off your loan at any time.

Click here to make a payment on your loan.

Our goal is to become your personal banker that you can go to when you are in need of some quick cash.

We offer the best services on car title loans, specials for returning customers, and monthly giveaways for our valued clients.

What is the Maximum Loan Amount I can get?

One of the first things that people ask us here at Car Title Loans is “What is the maximum loan amount I can get?” Lenders use a wide variety of factors to assess and determine the value of your vehicle and the maximum loan amount they can give you. We will get you the maximum title loans every time you apply with us. Getting maximum title loans from us is easy because we have a higher advance rate than other lenders. However, not all lenders let you in on that process in the way that Car Title Loans California does.

car title loansWe have crafted new ways of valuing your vehicle and determining a lend-able amount so that the process will be as easy as possible and you will be able to borrow as much money as you might need. We can usually give you a quote over the phone by knowing just a few simple facts about your vehicle. We go to all this trouble to make the process as quick and painless as possible because we are aware that you are probably in a hurry and need money quickly.

We have consistently made our customers our top priority which is why we care about transparency and consumer education. We want to help you understand each step of the lending processing before you make any commitments. To understand better how you can get the maximum loan amount then please continue reading this article. If you decide that your car has enough value in it or you would like to receive a free quote from us on your vehicle, then fill out our online application or give us a call today!

Determining the Value for your Car Title Loan

You can get an idea about the value of your car before even speaking with us if you wish to by checking out any number of various car value estimators. One long-standing online free estimator is the Kelley Blue Book, at https://www.kbb.com/. If you input your vehicle’s age, make, and model then you will be able to find out a ball-park estimate of the maximum loan amount of your car. That is usually the first step we take in determining the maximum loan amount. We run your vehicle through a more exact estimator to determine the trade-in value of it by using the year, make, model, style, mileage, and condition.

car title loans lendersMost lenders go by the trade-in value of your car since that is what most dealerships would pay for it if you were to get rid of your car. To give you a free quote, we only require the basic facts. To get you a more solid quote with loan terms or equity loans, we require pictures of your vehicle to verify the mileage and the condition of your vehicle. Then when we pass over the money that you are borrowing we like to take a quick look at your vehicle in person so we can verify that the pictures were accurate and current.

Determining How Much We Can Lend for your Car Title Loan

Once we have determined a more exact picture of the trade-in value of your vehicle we can cut that down to the maximum loan amount for your title loan. We are usually able to offer UP TO 85% of the trade-in value price to qualified applicants. You can occasionally qualify for more than 50% or sometimes qualify for less. Whether you can get more or less than 50% is usually determined by the requirement to qualify. We cannot overextend our customers because of the high risk it poses to both us and them.

contact usIf you are left with any questions after learning about how we determine the value of your car or how to get a pink slip or how much you can get on a car title loan, then please give us a call. We would love to answer all your questions and give you a free quote on how much you may be able to borrow. However, if you have already decided that you would like to apply for a title loan with Car Title Loans California right away then go ahead and get started with our online application!

Learn more about Title Loans at https://en.wikipedia.org/wiki/Title_loan

PROCESS

Getting a car title loan in California

Applying for a car title loan in California is made easy with us. If you are a resident of California, then this is probably the car title loan you are looking for.

All you have to do is follow these 3 quick and easy steps:

Step1: Click, Call or Visit.

It is totally free to apply and takes just a few minutes. We’ll give you a free quote with no strings attached. If you have any questions, our loan specialists are here to help. Kindly call us on phone, or log into our website or visit us directly.

Step 2: Submit your Documents

You will need a few things to be sent. But don’t worry, it won’t cost you to climb mountains and cross seven seas. Just a few papers that you probably already have with you is all that’s to be tendered. The list is short and you can complete this part in under an hour. All you have to do is fax, email, or text us pictures using your smartphone, we will get to work it out right away

Documents to be submitted:

  • A car title to a qualifying car in your name
  • A government-issued photo ID like your driver’s license
  • Evidence of Income (like paycheck stubs, invoices or bank account statements) showing your ability to repay the loan
  • Proof of residence (a piece of recent mail like a utility bill will work)

Car Title Loan California agents are readily available if you’ll need help submitting these documents. You can fax or email them right from your office, or use your smartphone or tablet’s camera to snap pictures of the documents to send from wherever you are.

Step 3: Get Your Money

After screening your paperwork, the team will contact you to talk about what your options are. After signing, you can choose how you get paid — electronically, with a check or by visiting one of the participating store locations in your neighborhood. In some cases, you can even go to your Walmart money center and pick up the funds through MoneyGram.

BENEFITS

Car title loans with Car Title Loan California have many benefits that will help get customers the money that they need in as little one day! Here are some benefits tend to be enjoyed with car title loan California.

With reference to the interest rate, California does not have limits on finance charges for personal, household or family loans. The rates are largely determined by the lender and borrower and should be outlined before the contract is signed.

Car Title Loan California offers their car title loans to those with any credit history.

We get that sometimes life isn’t always the fairest, and that is in no way your fault. With this in mind, Car Title Loan California will take a brief look at your credit history, but the score is never a major deciding factor as to whether you will qualify.

Car Title Loan California high approval rates show that we’re excited to work with you and have you join our Car Title Loan California family.

So, what are you waiting for? Car Title Loan California has been a trusted lender and leader for over 20  years now, adjusting to fit your schedule and evolving with our ever-changing world. Get your life on the fast-track to financial support today!

 

How do I get a Car Title or Motorcycle Title Loan?

Dealing with life’s unexpected curve balls can be stressful. In today’s economy, we can’t always be prepared to deal with such demanding financial emergencies, especially when they come up when you’re least expecting them.

And while there are quite a few different avenues you can take to get the money you need (like payday loans, cash advances, pawn outlets, and credit cards), you could find problems associated with each of them that tend to outweigh the benefits.

That’s why a motorcycle title loan with us could be a better option. With a cash for motorcycle title loan, we could get you the cash you need at a competitive rate, and any credit is accepted. Our customers appreciate the motorcycle loans we offer as an easy way to get cash when they need it.

With a Car title loan, get cash quick using your title. So visit your closest store today, bring your car or your  motorcycle, its lien-free title, and a valid government-issued ID, and we could have you in and out, set up with one of our title loans on cars and  motorcycles with cash in hand, in as little as 30 minutes.

So make the smart choice and get a motorcycle title loan or a car title loan with Car Title Loans California today!
Our goal is to help you get cash when you need it any way we can. The approval process is just as simple and quick as our other loans. If you own a motorcycle (and you’re not still making payments on it) with a lien-free title for it in your name then you can come to us.

You will have to fill out the form on our page to get started. A representative will call you within minutes to discuss the Car Title Loans California location closest to you.

Then, just bring your motorcycle, its lien-free title, and a valid government-issued ID to your selected store and we will get you approved as soon as you can imagine. You’ll even be able to drive your motorcycle throughout the entire loan period.

Car Title Loans California is one of the states  largest and most renowned title lending companies. Our customers continue to choose us because we’ve expanded our product line to include motorcycle title loans, and we’ve streamlined the motorcycle title loan process to be as quick and simple as possible.

As long as you have a motorcycle that’s paid off with the title in your name, and you have a valid government-issued ID, we could approve you quickly for a motorcycle title loan! In addition to motorcycle title loans online, we offer auto title loans for customers needing extra cash.

We also know you’re busy, so we value your time as much as you do. From beginning to end, it typically takes as little as 30 minutes for us to set up a motorcycle title loan and put money in your pocket.

That’s right: With a title loan from Car Title Loans California you could get the money you need, the very same day you need it! Other lenders can take hours or even days before getting you the money you’re looking for.

But at Car Title Loans California we strive to provide the best possible title loan experience for our customers, and we know that part of that means getting you cash quick. Get started by filling out our online form for customers interested in motorcycle title loans online.

How does the title landing process work?

Are you looking to apply for a car title loan in California and you’re looking for a step by step process on how to go about this? Don’t sweat it as this post has all the information you’re looking for. After reading this article, you should be able to make an informed decision.

So, you’re looking to get a loan, and you’re running out of available options, well, have you thought about taking a car title loan?

Car title loans are one of the easiest loans you can apply for and guess what, the process isn’t as cumbersome as other loan options available outside or within California.

To apply for a car title loan in California, it’s important that you’re 18 years old.

This is one of the basic requirements. If you have fulfilled this condition, then you must also have a government ID to prove this.

That’s not all; you need to have a car with a lien-free title to your name or nearly paid off at your finance company, and yes, some source of regular income too. By source of steady income, anything from a regular salary, pension or disability benefits or even unemployment benefits as the case may be.

Once you have met all these requirements, you can proceed to either apply for a car title loan online or visit a location close to you.

The benefit of applying in a location close to you is that the value of your car can be immediately ascertained after inspection and the professional loan officer proceeds to make you an offer.

To put things in retrospect, here is a summary of how the lending process works in California, here is how you apply for a car title loan.

  • First, you have to fill out an online application if you don’t want to do this; you can simply visit a location closest to you.
  • A loan officer is assigned to contact you right away.
  • You’re asked to bring your documents to verify if you qualify for the loan. Once this is met, you’ll receive cash instantly depending on the financial institute you’re dealing with.
  • The exciting thing is you get to keep your car while you’re free to use the money loaned at your own discretion, easy right? I thought so too!!

But before you get excited, you should also know that there is a repayment plan you have to be responsible for.

This is quite important if you want to maintain a good credit score with us. Having granted your loan request, you’re presented with a repayment plan. It is important you know when exactly when the loan is due for repayments and what percentage you’re supposed to be paying.

Amazingly, you can either choose to pay back in cash or better still use your credit card depending on what you think works for you.

 

In summary, the lending process of obtaining a car title loan in California is easy, so, always do your due d the diligence, so you don’t get turned down.

 

How long does it take to get approved for a title loan?

Are you thinking of applying for a car title loan in California and you’re wondering how long it will take to get it approved so you can have access to the cash you urgently need?

Well, you need not worry as this article has all the information you need.

To get all the information you need about when you’ll be approved after applying for a car title loan in California, read on and you’ll find out in a bit.

Without mincing words, car title loan is one of the fastest loan options available to people who urgently need cash.

And unlike other forms of loans, there are little requirements needed to procure this loan.

For people who currently have a bad credit score, this is the loan for you. So long you have the necessary documents and of course meet their age requirements your loan request will be approved within the shortest possible time.

The time for approval depends on the issuer of the loan and how you applied for the loan in the process.

If you applied online, of course, you’ll know that there would be some form of physical assessment to determine the value of your car before your loan request is approved.

On the flip side, if you apply for a car title loan in a location that is close to you, you should get your loan approved within a day or more.

While some financial institution claims to approve this loan within minutes, others would take 24 to 48 hours to verify that your documents are legitimate and that you have met all of their other loan requirements but we are Car Title Loan California takes just minutes to approve your car title loan.

Let me give you a cheat sheet on how to go about applying for a car title loan and how to get approved easily.

Before applying for any car title loan in California, you should do your own research and do business with an organization that lives up to its promises.

To be on the safer side, always read through the TOS of every organization you’re dealing with. Many of them state quite clearly how long it would take to grant your loan request. If you really need the cash urgently, it would not be smart to go with a provider that gets your loan approved in a day or two. We will be able to fund you the same day you apply with us.

To ensure you don’t get anything wrong that may get your car title loan request denied, you should double check to make sure you have met every requirement set out by the loan provider, more so, you should ensure all your documents are complete and up to date.

If you share a car title with a third party, ensure you let your loan provider know so they can reach out to the third party for approval.

If you have all this in place, you should get your loan request approved in 15 minutes when you visit Car Title Loans California.

Do you have a comment or question about car title loans in California you’ll like us to clarify, please feel free to leave us a message, and we will give a response a soon as possible.

 

How to Pawn a Car Title ?

When you have unexpected expenses or need money to cover utilities or other bills, pawning your car title could be an easy way to get cash without going through the process and uncertainty of applying for a traditional loan. It allows you to take out your car’s equity, while keeping the use of your vehicle.

Once you’ve pawned the title to your car, you will be required to make monthly payments on the value of the title until you’ve paid back the amount of the pawn, often with additional interest.

If you’ve decided to follow this route and are wondering, “How do I pawn my car or motorcycle title?” here is a short, general outline of the process to pawn a car title.

The requirements for pawning your car or motorcycle title vary slightly from state to state, but the overall process is simple. To pawn your car or motorcycle title, you’ll generally need these things:

  • Your car or motorcycle
  • The lien-free auto title to your vehicle that lists you as the owner
  • Government-issued identification, like a driver’s license or state ID
  • Proof of income

Many car title loan companies require that you own your car outright, without other liens or title loans. Proof of income may be employment, Social Security, pension, or another dedicated source of income.

This is to be sure you have a means of paying back the value of the pawn. They may also ask for supporting documents, such as a utility bill to verify your address. Once you’ve gathered all of your documents, take them and your car title loan company. Car Title Loans California has multiple locations around the state. We also give you the option of applying for your loan online to save you time and gas.

At the car title pawn location, your car will be inspected by a sales associate. The make, model, year, and condition will be assessed and used to determine the value of your pawn.

When you take your car to Car Title Loans California, one of our friendly, trained associates, will give your car an appraisal in as little as 5 minutes. Your loan amount will be determined based on your specific cash needs and the value of your vehicle.

After the amount has been decided and you’ve agreed to the terms of the car title pawn, you’ll receive the full amount of the pawn, usually in the form of a check. Car Title Loans California  will give you your cash, and you get to drive away with your vehicle.

At Car Title Loans California we understand that life happens. Medical emergencies, unforeseen home repairs, unemployment… all these things can play havoc with your finances and leave you feeling stressed.

Poor credit history is a roadblock when applying for a traditional loan from a bank, and approval can take time you don’t have. Stop dying in silence, come to us today and we will make you smile again.

Online Car Title Loan Application

Looking for fast access to cash for an emergency? There are a few alternatives, but Car Title loan California online car title loan offers you the most advantages. Car Title Loans California, one of the California most reputable consumer finance companies, offers borrowers who own a vehicle the ability to borrow money rather easily. How It Works;

STEP ONE – Fill Out the Application

The first thing is to fill out the application online with correct response in boxes provided and we will be glad to walk you through it. Either way, we just need a little information so we know who you are, a bit about you, some details about your car, quite easy, isn’t it?

STEP TWO – Provide A Few Documents

Here you will have to provide us with a clear title to the car for registration and In addition to that title document, we will need to see a couple of other items to help us know who you are and where you live as this will help determine the type of loan to be provided for you. Your Car Title Loans California representative will tell you exactly what we need, but it will be simple items like your driver’s license and a utility bill or two, no cause for alarm.

STEP THREE – Get Your Car Inspected Online

You have the option to stop by one of our multiple inspection stations in California so one of our associates can take a quick look at the car to make sure it matches the title you are presenting.

Car Title Loans California representative will help you find the one nearest you, to reduce stress, you can simply upload the picture of the sensitive required part while we inspect from here.

STEP FOUR – Pickup Your Money!

Once we approve the loan, you can pick up your cash at the MoneyGram location nearest you! There are thousands all across California.

That’s it! No loans based on credit checks. No stacks of paperwork. No waiting.

Car title loan is no doubt filled with lots of benefits. All conventional loans will require an examination of your credit history. But in this case, the vehicle will serve as collateral and in the event that a borrower does not repay, the lender can take possession.

The loan is not dependent upon a borrower’s payment history. If you have a poor credit history, it will not affect your ability to take out a car title loan.

Continue driving your vehicle. You may think you have to give up your vehicle to the lender while you repay the loan. That is not the case. You are able to keep driving your car or truck as you pay back the loan. You do give up the title to the vehicle until you make your last payment.

Car title loans offer reduced rates of interest when compared with other car title lenders. Since the title to the vehicle provides the lender with a layer of security, they can charge less in interest.

QUALIFICATIONS

Can I get a loan without a bank account?

There are a lot of reasons you may not have a bank account.

When you need a loan, this can be a problem to many lenders, especially because many of them are banks. But, at Car Title Loans California, it’s possible to get car title loans without a bank account.

If you need to get a loan with no bank account today, to find out how to get a loan with no bank account, is possible and might be easier than you think.

Most loans without a bank account are not well-known to potential borrowers, but once you have the facts, you’ll likely find it remarkably easy to get an auto title loan today and the money you need.

Finding loans with no bank account often means understanding the difference between a secured and an unsecured loan. A secured loan is one in which the potential borrower puts up some kind of collateral against the money they borrow.

If you do not have a bank account, but you need a loan, you may not qualify for many of the unsecured loan offers out there.

Most of these offers are provided by banks. They’re predicated on digging deep into your credit history to assess your level of risk, treating you more as a number than as a person.

When it comes to loans without a bank account, a secured loan is a great option. A secured loan could open the door to hundreds or even thousands of dollars in immediate loan money, all while eliminating the complex paperwork, aggravation, and uncertainty of a bank loan.

  1. If you don’t have a bank account but you do have a car, getting an auto title loan might be your best loan option.
  2.  Car title loans let you get the money you need quickly by using the title of your car as collateral.
  3.  Because we use this as a guarantee, your credit score and bank account balance don’t matter to us as much.
  4. Our loan amounts and approvals mostly depend on the value of your car and your ability to repay the title loan.
  5.  So, with your car title you might be able to get access to a thousand or more as quickly as the next business day.

You can use the money however you need to. Then, you’ll have a comfortable 12-36 month period to repay the loan at a competitive interest rate. The best part: you can do all of this while still using your car like normal.

Auto title loans are a flexible option for loans without strict requirements that traditional lenders set. At Car Title Loans California, we make our loans accessible to people even if they don’t have a bank account or a great credit score.

Without these things, a traditional loan would be very hard to get. But not with Car Title Loan California. You don’t need to use a bank account to receive your money; nor to repay your loan.

If you don’t have a bank account or simply do not wish to share your account information with us, there are many other payment methods available to you after you’re approved. Therefore it is very possible to get a loan without a bank account with Car Title Loans California.

Can I Get a Title Loan Without a Job

Excessive worries can lead to anxiety, affect your relationships and even make you sick. Let me guess, you’re probably going through a terrible job loss, a barely steady job but the immediate needs just keep piling up mercilessly.

Chances are that you own a car and you are already thinking of getting a car title loan to offset most of the financial obligations but then, you wonder, can I get a title loan without a real job?

Definitely YES, you can get a title loan without a job at least from most title loan lenders.

With these loans, you can get funds to settle most pressing commitments. The fact remains, however, most lenders want proof of a job before giving you a loan but it shouldn’t put you off as you can still work your way around getting a loan if you look in the right places.

While we often hope for the best at all times. Cars, like every other property, frequently utilized could face susceptible to some of the ugliest unforeseen circumstances like an accident or a seemingly innocent mechanical failure can quickly plummet your car value and this is where a proof of income comes handy, a paying job/income ensures you are able to make up the difference in the event of such occurrence.

While some title lenders may be eager to hand you the loan without necessarily demanding for a proof of income, some states have laws against it.

This is done to protect you from legal issues that may arise as per your inability to repay such loan.

Though this article intends to enlighten you on getting loans without proof of regular income, it is best you have some source of regular income before applying for a title loan.

The income can be anything from a pension, disability, and alimony to regular employment or unemployment benefits.

 

Taking out loans without proof of income

On getting a loan without a job, many lenders allow you to take out car title loans without verifying your income provided a cosigner is presented on the loan agreement form.

The cosigner claims joint responsibility of repaying the loan if the borrower is unable to cover completely the deficits. However, different lenders come up with their lending policies concerning your cosigner, but one thing they all often have in common is making sure your cosigner is someone with a sound financial reputation.

A piece of advice here; ensure you work hand in hand with your cosigner so they get clear details of their part in the deal even if such is a close friend or family member (you certainly do not want to muddy your relationship with that person).

The awesome part of taking a car title loan is that the money is yours to use how you want and this could range from paying up the rent, keeping your cable running or the power on.

Once you find lenders willing to accept your car title loan application without any proof of employment, you are halfway done as all you need do is simply filling out the application form online and if you’re able to convince them of your repaying ability, you get approval pretty fast.

Can I get a Title Loan? What is Required to be approved

Of course, you can get a title loan. A car title loan is basically a secured type of loan where borrowers can use their vehicle title as collateral.

The lender automatically places a lien on your car and the hardcopy of the vehicle title is submitted in exchange for the loan.

The lien is removed when you repay the loan and the car title is returned to you.

The process of getting a car title loan in California or any other state is pretty simple. That is, anyone can apply for a loan without so much effort if faced with financial difficulties. How easy? Very easy.

 

Breakdown

 

  1. Own a lien-free vehicle in your name.

 

  1. ii. A regular income source/proof of employment (some lenders can let you have a loan without this.

 

iii.              Be 18years and above and prove this with a government-issued identity card.

 

Meet these requirements and you can easily apply either in person at the title loan office or online with your preferred lender. Your vehicle is inspected and valued.

Now, more may be required depending on the amount of loan you may be borrowing.

Some lenders may request to see an official proof of residency in some cases.

Just as elsewhere, the first step in getting a title loan in California is simply to apply once you meet the stated requirements.

You will be asked by your loan agent to verify the information presented in the application form by providing supporting documents.

The agent guides you through this while answering any question you may have about the loan. This is done to determine how qualified you are for the said loan and ensure your records match all stated information.

After signing the car title loan agreement, your loan is made available and this usually ranges from $2,500 to $50,000 depending greatly on your vehicle value and your ability to repay the loan on time each month amid some other factors.

After you get your required fund, you can continue using your vehicle as long as you make the required monthly payments and follow outlined terms and conditions of the agreement.

Like every other loan agreement, interest rates apply.

In summary, if you are sure of not defaulting on the loan repayment, then auto title loans are likely your best bet for getting easily processed loans as they are some of the most legitimate, easy and fast means of getting funds real quick in emergency situations. The approval rates are unbelievably fast, at least when compared to other credit sources. With auto title loans, it is possible to walk out with the money just within minutes of application and verifications. What could be better?

 

Does The Title Have to be in My Name to Get a Title Loan?

Many people come to us every day with this question and it’s making some people to back off from obtaining a loan.

If you are among those that have been in this situation, then this article is for you. At Car Title Loans California, your car title does not  need to be in your name to qualify for a loan. Some company will not give you the loan you are looking for if the car title is not in your name. If your car title is not in your name, don’t worry! We can still help you because we are different from others

Instances where your name may not be on the car title include:

  • When buying a vehicle
  • When inheriting a vehicle
  • When paying off a loan
  • When receiving a gifted vehicle
  • If your name appears but so does someone else’s name.
  • You might have an “and”, “and/or” and possibly just “or”. Example: Gabriel Smith and Juliet Smith verses Julie Smith or Joe Smith.
  • When the title says “and/or” or just “or” between the names, this means that either party can use the title for a title loan. If the work “and” is between the names, then the title loan must be in both party’s names.

If your name DOES NOT appear on your car title, Car Title Loan California can help you to change your name on the car title through the Department of Motor Vehicles ( DMV).

Car Title Loans California can assist you to go through the process with ease. When you complete the process of changing your name with the DMV you will be able to use your car title to apply for a title loan. This is how to get the process started:

  • Notify the Social Security Administration (SSA) before contacting the DMV.
  • Visit your DMV to update the name in person. Unlike submitting address changes, this should not be completed online or through postal mail.
  • Go to the department with authentic identification confirming your previous name. You will be required to have an acceptable ID. You can check with your DMV’s website for a list of valid forms of proof.
  • Present your existing car title or car registration.
  • Bring the required payment amount to cover any duplicate title or registration fees.
  • If applicable, bring your marriage certificate, divorce documents or court papers issued in the U.S proving you name change.

These are 3 reasons why changing your name on the title is easy:

  1. Car Title Loans California is committed to provide car title loans to customers from all walks of life. If your car title is not in your name, we can help you to get it in your name before your loan is processed.
  2. Keep in mind that DMV requires a change of name notice. You will be only be required to submit a name change for your driver’s license. Then, the DMV will automatically update all of your records.
  3. The DMV does not only change your name but it also modifies the DMV’s record which will assist you in avoiding any legal confusion. The process of changing your name with the DMV using Car Title Loan is painless and fast.
How can I get a loan after bankruptcy?

One of the big questions for those who have filed bankruptcy is related to loans. Can a person who has a bankruptcy still borrow money? The short answer is yes, but it does depend on the type of loan.

We will need to gather some information as well in order to help yourself obtain a loan.

First of all, you should know your credit score. You can easily obtain a free copy of your credit report once each year from all three credit bureaus.

Filing for bankruptcy can be devastating to your financial future, especially if you need to take out a loan.

While it will provide you with a fresh start, you will be limited to the things that you can do as far as your finances are concerned.

Getting a loan after bankruptcy can be very difficult, especially if you are dealing with a bank or other major financial institution.

If you are in the middle of your bankruptcy filing and need some extra cash for an unexpected emergency, there may be ways to get access to small loans that will help you out until you are able to get back on your feet.

When you need a small personal loan, most banks and other lending companies will not even attempt to let you apply if you have recently filed for bankruptcy.

It can be very difficult to get your financial reputation back on track, but fortunately, it is not impossible to obtain loans after bankruptcy.

It is very common for individuals to seek out a car loan after filing for bankruptcy; however, if you need one before your case is completed, getting a loan can sometimes be a little more difficult. The chapter of bankruptcy that you file can have an impact on whether or not you can get a car loan

Car Title Loans California

Car Title Loans California has been involved in the auto title loan industry for over 20 years.

We have experienced representatives on staff who can help you learn more about the title loan process.

Getting involved with a title loan company can be a scary experience, especially if you are just getting out of a recent financial struggle.

We want our customers to be assured that they can count on Car Title Loans California in their time of need and that we will work with you to make paying back your loan easy and hassle-free.

To find out more about how Car title Loans California has remained a respectable leader in the world of title loans, visit us online at www.CarTitleLoansCalifornia .com.

At Car Title Loan California we will work with you to provide you with the best possible options for obtaining personal loans after bankruptcy.

Unlike many other car title loan companies or pawn outlets, we charge a competitive interest rate that could help make it much easier for you to pay off your loan fast.

To find out more about how we could help you get a personal title loan after bankruptcy, call, click, or visit one of our convenient locations today and speak with a knowledgeable representative for details on the title loan services we have available.

How can I get money with bad credit?

Looking for money loans with bad credit?  It’s possible to borrow money with bad credit, if you know where to look.

To borrow money, you’ll need to understand how lenders look at you. And to determine whether they’ll lend to you, lenders, like banks and credit cards, use a scoring system.

A credit score is a number that lenders use to quantify how risky a borrower you are.

The standard credit score is also called a FICO Score, named after the Fair Isaacs Corporation who created the standard formula.

Credit scores typically range between 300 and 850 (the higher a score, the better). Recent laws have ensured that people can access their own credit reports every year for free.

When you need money fast, bad credit is a factor for some options but not for others. Let’s look at some of the possibilities that might help you in this situation.

Many loans require you to have a certain level of credit. Everyone has financial challenges now and then, and the harsh credit score requirements used by banks and other traditional lenders can be unreasonable under many circumstances.

It takes a long time to process all of the paperwork for a bank loan, and this includes onerous credit checks and other issues.

Because banks will access your records during this time, you may find your credit score going down even if you do not qualify for a loan!

When you need money unexpectedly, it’s a good idea to look for loans that offer flexibility for people with bad credit. What’s the best kind of flexible loan that will balance your needs with your ability to get a good amount of money? We at Car Title Loans California have the answer right here with us.

In the loan world, there are two kinds of loans: secured and unsecured. A secured loan is one in which you “put something up” as collateral for the loan. A secured loan is a structured, fair way to get the money you need without having to worry about odd or unusual loan terms.

An auto title loan, like the kind provided by Car Title Loans California is a secured loan. You provide your lien-free auto title in exchange for the loan.

Because of the value of the title, you can typically get thousands of dollars on your loan right away. Plus, you can borrow money with bad credit.

At Car Title Loan California, a secured auto title loan does usually require a credit check. All you need is a steady source of income with which you can repay your loan. No matter whether you have poor credit or no credit, you can typically still get a title loan as long as you meet some very easy requirements. Your job is your credit with us.

Car Title Loans California  is convenient because we allow you to maintain the use of your vehicle for the life of your loan.

We understand that obtaining a car title loan could be useless if you weren’t able to use your vehicle to get from place to place while you earn the money you need.

How do I know if I will be approved for a title loan?

Many people ask us, “What do you need to get approved for a title loan?” The answer is simple.

You need to be at least 18 years of age or older and be able to prove this by showing a government-issued ID.

You must also have a car with a lien-free car title in your name and some source of regular income, or your car has to be nearly paid off.

The latter can be anything from a pension or disability, to a regular salary or unemployment benefits.

If you meet all of the requirements and have what you need for a title loan, you can apply either in person at a location near you or online.

The benefit of applying at one of our branches is that they’ll immediately inspect your car.

After determining the value of the vehicle, the loan professional will be able to make an offer.

We don’t waste time and we will make the process as less difficult as possible. Don’t just sit there and contemplate on whether you will come or not, make that move today and you will be liberated form your financial stagnation.

In summary, if you meet up with the following requirement below, then you don’t need to ask how do you know if you will be approved because with these requirements there is nothing that can stop you from obtaining a title loan from us.

Identification Documents

 

You must provide the title loan company with your driver’s license and Social Security number so it can verify your identity. If you own a vehicle but are not licensed to drive, lenders will accept a valid state-issued ID card, military identification or passport.

Residency Documents

Title loans are not available in all states, so you must prove that you live in a locality that allows them. Residency documents also help verify your identity. Lenders need to see a recent utility or phone bill, along with your house deed, lease or a statement from your landlord.

Financial Documents

Although you are providing collateral for the loan, you must still prove that you can afford the monthly payments. Title loan companies require one to four weeks of pay stubs from wage earners. Self-employed borrowers must provide one to three years of tax records, business financial documents and bank statements. Unemployed borrowers who rely on public assistance or Social Security must provide statements from the department of social services or the Social Security Administration. Retired borrowers can provide pension, SSA or retirement account statements.

Vehicle Documents

To prove you are the rightful owner of the car and that there are no current liens, you must furnish the vehicle title and registration. Title loan companies also require proof of insurance so they are protected against loss if the car is damaged or stolen. If the car was under a previous lien that was recently released, you must provide the lien release paperwork from the previous lienholder.

What are the requirements for Car title loans refinancing?

At Car Title Loans California, we understand that in the case of an emergency we don’t always get to choose where we get quick cash from.

If you currently have a car title loan and feel your interest rate or monthly payment is through the roof, let one of our friendly Loan Officers help you.

The process is simple, and by answering a couple of questions and providing one of our loan officers some basic information, we can tell you how much you can start saving.

Other title loan companies tend to take advantage of their title loan customers by charging them ridiculously high interest rates, taking advantage of customers at their time of need.

Car Title Loans California  we believe in transparency and fairness, that’s why we may be able to help when you refinance your car title loan with us.

The car title loan refinance process is simple:

  • Fill out and submit the form or give us a call
  • Give your current loan information to a friendly Loan Officers
  • Let a Loan Officer show you how much you can save per month when you refinance
  • Send in all the necessary documents and items the Loan Officer needs
  • Start enjoying lower payments

Don’t wait any longer; refinancing your car title loan is the smart decision. Pay less by contacting us today!

Here’s what you need to refinance your title loan:

  • Proof of monthly income to ensure you will be able to repay the loan. Example: a paystub or banking records will suffice.
  • A government issued ID. Example: Driver’s License or State ID card.
  • Proof of full coverage insurance is needed for loans of $2,500 or higher.
  • At least 5 personal references.
  • You can’t be on Active Duty in The Military

Here at Car Title Loans California, you are our number one priority. We will work to give you fast approvals with your current credit as a small factor, and your ability to repay. You will have trusted Loan Officers, with many years of experience getting you the best rate possible, so you can start saving today.

Car Title Loans California is the way to go to refinance your car title loan, motorcycle title or RV title loan.

Car Tile Loans California is the place to go to when you want those high monthly payments reduced.

We have helped thousands of people lower their monthly payments, and we can help you as well.

We believe that your financial stability should be based on more than just a credit score, and we pride ourselves in helping all types of customers.

If you already have a car title loan and feel that you are paying too much, let us see if refinancing your car title loan can help.

We will look at different options to refinance your car title loan and try to find you a lower rate.

You have nothing to lose and have a lot of money to save. Find out if car title loan refinance is right for you.

What are the Title loan laws?

According to The New York Times, only a few states keep statistical records of how many consumers take out title loans each year. California has seen enough of them, however, that it introduced legislation in 2011 to try to exert some control over the industry. The California Finance Lenders Law allows companies to give short-term loans secured by titles to motor vehicles, but the lenders must be licensed.

For the past few years, California has been in the spotlight when it comes to California title loan laws because of the state law. It wasn’t long ago that state officials from the California Department of Business Oversight were making a point of notifying consumers of the risks associated with these loans. They have been available for some years, but there was a sudden increase that almost doubled the amount of the principle in only one year (State Urges California Consumers To Be Wary of Auto-Title Loans.) For this reason, it’s important to understand title loan rules in California and California title loan repossession laws

Title Loan Interest Rates

Title loans typically are subject to very high interest rates, and California law doesn’t do much to limit how much the state’s lenders can charge. Interest on consumer loans under $2,500 can’t exceed 30 percent a year, but there’s no limit on loans over $2,500. The vast majority of title fall into the latter category, because lenders don’t want to offer loans where interest can be capped. Lenders can’t compound interest on loans under $5,000.

Administrative and Processing Fees

The cost of a title loan isn’t limited to interest. Lenders can charge administrative or processing fees in California as well. The law allows title loan lenders to charge up to 5 percent of the amount borrowed or $50, whichever is less, unless the loan is for more than $2,500. In this case, the ceiling jumps to $75 for loans of up to $4,999. There’s no cap for loans of $5,000 or more. If you’re late with a payment, licensed lenders can charge you an extra $10 during the first 10 days and $15 after that for each delinquency.

Other Title Loan Rules

California lenders are legally required to let you know what kind of extra fees and interest you’re agreeing to before you sign a title loan contract. They must prominently display their charges, although this can be accomplished by including them in the contract. If a lender offers any loans under $10,000, it’s restricted as to other types of business it can conduct on its premises. Title loan lenders can’t accept real estate as collateral, only motor vehicles.

The Risk of Repossession

The most significant risk of a title loan is that if you can’t pay back what you owe, including interest and other fees, you can lose your vehicle. Lenders have a legal right to repossess in California. Even if they don’t immediately take your car, some will stop you from starting and driving it with GPS tracking devices. Before you commit to such a loan, consider reaching out to California’s Department of Business Oversight to check on the lender’s license and any complaints that may have been filed against it.

 

 

 

A title loan (or title pawn in some states) simply put is a quick and convenient way for people who own their car or motorcycle to get cash. Getting a title loan or title pawn is simple. As long as you own your car or motorcycle and have its lien-free title, you can use it as collateral to get the cash you need from Car Title Loan California

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 loans and only consider the value and condition of the vehicle that is being used to secure it. ( we will check your credit and we make sure your income will support the title 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.

Title loans first emerged in the early 1990s and opened a new market to individuals with poor credit and have grown increasingly popular, according to studies by the Center for Responsible Lending and Consumer Federation of America. They are the cousin of unsecured loans, such as payday loans. Since borrowers use their car titles to secure the loans, there’s risk that the borrower can lose their vehicle by defaulting on their payments due to personal circumstances or high interest rates, which almost always have APR in the triple digits—what are sometimes called “balloon payments”.

Alternative title lending exist in many states known as car title pawn or auto pawn as they are called. Similar to a traditional car title loan, a car title pawn uses both the car title and the physical vehicle (which is usually stored by the lender) to secure the loan much like any secured loan works, and there are the same risk and factors involved for the borrower but in most cases they will receive more cash in the transaction since the lender has both the vehicle and title in their possession.

What if I already have a title loan with another company?

Frankly speaking, chances of getting a second title loan before paying off the first one is low but not impossible. However, there are ways that can help you get another title loan even if you already have one. Many consumers come to us with important questions about title loans.

One of the questions we hear often is, What if I already have a title loan with another company?

This question is asked about 20 times a day and believe it or not, some title loan lenders actually compete for this business.

The short answer is, “It depends.” We are happy to help you determine the best way to proceed if you already have a title loan with another company.

In many cases, we can still help you with financing after resolving a few details. There are several reasons you may want to do this and this is the reasons why MOST people do it:

  1. You are behind on your current loan and you are worried about default. This way you can have the other loan paid off and start fresh.
  2. You are in a loan with a high-interest rate and you found one like car title loan California which is the lowest game in town.  This is a very good move and can save you hundreds if not thousands of dollars!
  3. Your current title loan company is being jerks even when you pay normally. You simply do not like them.
  4. You need more money or you need another loan.

Some people get into a financing situation with another lender and find themselves stuck with high interest and exorbitant fees.

When this is the case, Car Title Loans California may be able to step in to help. The right question to ask here isn’t, “What if I already have a title loan with another company?” but “Can I get a better car title loan than I already have?”

It’s often possible to refinance a title loan already in place with a new loan. What’s more, it may be possible to accomplish this financing at a more competitive rate to save you cash in the long term

Most People complain that car title loans have very high interest rates and therefore they have been advised to pay them back as soon as you have the cash to do so.

But we are an exception to every rule and if you really need a second title loan, here we have written a few ideas that can help you to get a second loan.

Car Title Loans California wants to help you no matter what your situation is. That’s why in most cases we can refinance any title loan you already have with a lower rate at Car Title Loans California and pay off your existing title loan.

You can apply your second title loan with us. This online auto title loan application works both on a mobile or laptop/desktop.

You can get up to $50,000 or more. We offer great benefits: Instant Approval – Better Rates – Secured and Confidential Application – 100% Registered & Licensed Lenders. Visit us now and start saving money today!

What if I am on disability or retired? Can I still be approved for a title loan?

So many retired old people out there are suffering and being rejected by most loan companies because they feel that they can’t pay up their loan and because they are no longer working, same goes to those that are disabled, they are being neglected. That is not the case with Car Title Loans California.

We are different and we have come to put a smile on the faces of the retired and disabled people.

The fact that someone is disabled or retired does not mean he or she cannot generate income for himself or herself, some have other streams of income when they are disabled and or pension allowances for those retired.

We have secured this feature for those disabled and the retired so that everybody can benefit from our platform.

We are the best that is offering this type of services to clients, we don’t want anyone to be left out or feel cheated because of what nature has done.

Car Title Loans California prides itself in providing the most superlative services to its respected customers, and that is why there is absolutely no problem for you in getting a loan even if you are retired or you are on disability.

Yes, we base our title loans on the value of the asset we are loaning against—your car, auto, truck, SUV, motorcycle, etc. Like other title loan companies, Car Title Loans California does require proof of income.

In most cases, borrowers who receive Social Security or disability payments will qualify for a car title loan since Car Title Loans California does  accept Social Security and disability payments as sources of reliable monthly income.

We accept social security and disability payments as an income source for a fast car title loan.

To apply online, you’ll simply need to report that this is your source of income. You may need to fax a copy of your award letter during the application process, depending on the regulations of your state of residence.

You can find out if your state requires faxing by going to Car Title Loan California office. To apply in-store, you’ll need to bring a copy of the award letter with you.

True some will find it hard to believe but you are eligible to receive a car title loan from us, as long as you have a clear car title and some sort of income, such as a pension or disability benefits.

So all those retired that has no one else to go to and all those that are disabled, this is the good news that we have come with, you don’t have to keep suffering in pain just come and pay us a visit and get that cash that you need.

All you have to do is come with your car and we will handle the rest processes. In case you have any queries then kindly contact us or you can also visit our office and get all the essential information that you need

What qualifies you for a car title loan?

Just like every other platform where you will have to apply in order to get something or gain access to a particular thing, Car title loan also has a requirement, something that qualifies an individual to get full access to our packages and benefits

We are Car Title Loans California hate to see our customers walk home empty handed after coming to us and that is why we have decided to list out requirement explicitly for them to see before coming to avoid sending them back home without the money they have to borrow.

Our requirement are simple and it is what every individual should have a good citizen.

We would not want to make the requirement so difficult that customers will spend weeks and even months trying to obtain them.

Some lenders also require a GPS tracking device to be attached to the car, in case the borrower defaults and the lender wins the right to repossess the car.

Some of these devices are designed to permit the lender to disable the car remotely. But at Car Title Loans California we allow you to continue driving your car.

You must not have a good credit to get a title loan. In fact, we  check your credit but we work with bad credit. Since the auto title loan depends entirely on the wholesale value of the vehicle. Likewise, you do not need to be employed to qualify for a title loan but you will need to show that you will be able to pay for your title loan.

Here are the important requirements for a title car loan:

  • You’ll have to provide a title for your vehicle (also known as the Pink Slip)
  • You’ll have to present your original driver’s license or other government issued identification
  • We will require a proof of insurance
  • Your permanent home address will be needed
  • You have to be present to submit the application and no one else can submit the application under your name (family members, friends, etc.) Kindly contact us if you have any questions about this requirement
  • If the titles have two names then both persons need to be present at the time of submitting the application
  • You must be residing in the state in which you are applying for a car title loan
  • It is important for you to provide a proof of income. Your monthly income needs to be at least $1200 or more than it
  • You have to be 18 or older

If you meet all of the requirements and have what you need for a title loan, you can apply either in person at a location near you or online.

The benefit of applying at one of our branches is that they’ll immediately inspect your car. But applying on line is much faster and you will get your title loan faster.

After determining the value of the vehicle, the loan professional will be able to make an offer. You can find more information about our car title loans by visiting us or going through our website.

It is an easy process and the best thing is that Car Title Loans California has the highest approval rates. Therefore, you can apply without any doubts in your mind. Rest assured we care about our valuable clients.

TITLE LOANS

Aren’t title loan interest rates considered high?

So many people are trapped with this question and most times we receive a lot of such questions on a daily basis, so many people are not aware of the interest rate that we offer, they have been brainwashed into believing that car title loan have a high interest rate which is not true.

Cash advances are not a new concept in America’s brand of capitalism.

Many people have seen the commercials with some guy barking out, “Bad credit, no credit, and no problem!” Or, “Don’t worry about credit, I own the bank!”

Anytime some guy is telling you he owns the bank, run.

Even though these lenders have been around for a while, signing your car over for a high-interest loan has become a serious financial issue.

For those of you who are unfamiliar with the concept of car title loans, allow us to explain.

At times, the best of us get strapped for cash; we may have no credit or bad credit (just like they say in the commercials), which keeps us from getting small loans from a bank or some other more traditional means.

A title loan offers you cash from the lender, in return you sign over the title of your paid-for car to secure the loan.

Typically, these loans are due back in full 30 days later. There’s no credit check and only minimal income verification.

It sounds pretty straightforward, but borrowing from these places can lead to a repossession of your car and a whole lot of financial trouble as someone said, but that is not the truth with Car Title loan California, we are different from others and we don’t have high interest rate as most other companies do and we won’t take ownership of your car.

While some title lenders do charge high interest rates, Car Title Loan California charges very competitive interest rates, and will develop a personalized payment plan that’s manageable for your lifestyle.

To make sure that you fully understand how they work, we’ll walk you through all the details during the applications process and when we are done with you, you will see that we have a considerable interest rate and not a high one.

However, so that you have a basic understanding when you call, here’s some additional information: When you first contact Car Title Loans California, we’ll request information about your vehicle – things like the make, model, year, and etc., as well as its mileage and condition. We’ll use this information to determine the value of your car, then make you a cash loan offer based on that calculated value.

We know that life can get hard at times.

If you are going through financial hardship, a cash title loan can help you get back on your feet.

You don’t have to live with extra stress when you are in need of quick cash.

Using a car title loan to pay off your expenses will help gets rid of that burden so you can return to your daily routine as quickly as possible.

Our car title loans are fast, easy and convenient, and we can get you the cash you want today regardless of your previous financial history.

Don’t delay! Find out how much you can get by filling out our convenient online application form now.

Can I Get a Car Title Loan with No Credit Check

In a daily basis, we receive so many of such questions regarding this question.

So many people are confused about this and it makes them sick? Most thinks that there is no way you can get a Car Title Loan with no credit check. Well, it’s not easy to come across a company offering such services.

Car Title Loans California is here to help you out. It is possible to get a Car Title Loan with no credit check when you come to Car Title Loan California, no we will check your credit.

Car Title Loan In California are secured, which means if you own a car, motorcycle, truck or RV – we can get you the cash you need. With traditional banks your credit history determines your loan amount.

It’s not uncommon for most people to have credit that is bad or credit that is nonexistent, that’s why if you need money using your vehicle title as collateral is a fast and easy way to get extra money. Emergencies like car repairs and plumbing repairs just can’t wait till the next paycheck. We’ve been in the title lending business for over 20 years, and we enjoy helping folks to get the money they need now.

We’ve also designed an amazing loan process, which helps more people to qualify in record time without hassles.If you’re struggling financially or dealing with an emergency, we can provide quick funds to get your life back on track.

You also don’t have to worry about qualifying with bad credit because we offer title loans with bad credit. Yes, that’s right; it’s possible to qualify with bad credit. You see, our loans are secured using the car title to your vehicle. Car titles secure the loan, so credit scores aren’t important and are never used for qualifying.

Because we work with bad credit, we are able to process loans quickly and efficiently. If you need cash now, we can fund your loan within 24 hours of applying. Discover more about the advantages of title loans with bad credit  and how you could benefit today. Most auto and mortgage lenders always pull hard inquiries, which automatically lowers your score by a few points.

But we pull credit scores , you don’t have to be concerned about further damage to your credit score at the main credit bureaus from a hard inquiry.

So all those looking for a place to get a car title loan with bad credit, you have come to the right place because we are dedicated to make sure that we solve your financial problems. We know that you have been facing financial challenges and so there’s no needto worry about your bad credit with us.

We are a direct lender – there is no middleman! Get your cash today and keep driving your car. When you use your car title as collateral, your car is your credit! So visit us today either by going to our physical office or by going to our website and your financial problems will be solved!

Can I Get A Title Loan After Bankruptcy & Foreclosure?

Bankruptcy and foreclosure represent two common types of cases associated with individuals or businesses experiencing financial problems, according to the American Bar Association. Although commonly referenced together, bankruptcy and foreclosure actually are two very different types of legal proceedings, with different objectives and results.

The function of a bankruptcy is to permit an individual or business the ability to obtain a discharge of or payment plan for their debts, according to the U.S. Bankruptcy Code.

The function of foreclosure is to allow a mortgage lender the ability to claim ownership of real estate to assist in satisfying the balance owed on a past due loan

The filing of a bankruptcy directly affects foreclosure, underscoring the primary difference between these two types of proceedings. The moment you file for bankruptcy, the bankruptcy court issues what is called an automatic stay order. The order requires the suspension of the foreclosure proceedings or process absent a further directive from the bankruptcy court

Contrasting the ultimate potential of a foreclosure and a bankruptcy highlights the differences between these legal proceedings. The ultimate potential of a foreclosure typically is the loss of your real estate, including your home.

A likely ultimate potential of a bankruptcy is a decision permitting you to keep certain real estate, including your home, provided you follow the terms of a reaffirmation agreement. A foreclosure occurs when no other alternative exists beyond the mortgage lender attempting to take possession and ownership of real estate.

Bankruptcy creates a potential alternative to the foreclosure process through a reaffirmation agreement. The reaffirmation agreement is designed to permit the debtor to maintain ownership of the real estate and requires her to make recurring payments on the loan to the mortgage lender.

Both bankruptcy and foreclosure cases represent complicated legal actions. Facing one or both of these types of proceedings suggests that your financial, personal and legal interests are best served by retaining experienced legal counsel.

Many people with heavy debt burdens may be wondering, “Is bankruptcy right for me?” Bankruptcy could be the best option if your low credit score and debt impacts your life in an extremely negative way. For many people, this means that getting a job and keeping a home, car, or insurance is almost impossible. If you would like to keep up with payments but have fallen behind due to unforeseen financial hardships, bankruptcy might be the best choice for you.

Before filing for bankruptcy, make sure you have explored all other options. It’s important to go to counseling before choosing any form of debt relief, and it’s required for those interested in bankruptcy.

Options usually discussed by a credit counselor are debt consolidation, settlement, and customized debt management plans.

So definitely, Bankruptcy and Foreclosure is not something good for anyone, and most banks and local lending institutions wouldn’t give you a loan when you are facing bankruptcy and foreclosure but that is not the case with Car Title Loans California, we are different from other Title Loan companies and we can really accommodate no matter what.

Even when no one seems to be listening to you just come to us and we will be glad to help you out. So stop waiting, just visit us today and get your financial problems get fixed!

Can I Only Apply For a Title Loan at Office Locations

Applying for a car title loan in California is not just a stroll in the park, but a breath of fresh air as the process is easy with less hassle common with applying for all other forms of loan. Depending on the loan expert you’re dealing with, the process of applying for a title loan differ from organizations to organizations. But we are unique.

Thanks to the advancement in technology, people can now apply for a car title loan right from the comfort of their homes with the click or swipe of their fingers. If you’re one of those people who doesn’t like going through the stress of physically applying for a car title loans at locations, you can simply apply for your car title loans online. But while this may be desirable for a lot of people especially those with busy schedules; it comes with its own disadvantage especially if you need the cash quickly.

For people who apply for car title loans, after your online application, there is a need to bring your car for physical inspection so the loan professional can determine its value before your loan request is granted.

On the other hand, you can also apply for a title loan at any of our locations. The advantage that comes with this is that your loan approval process is quite faster than applying online.

  • This is because the loan expert can easily access your car, determine its worth and proceed to make you an offer.
  • However, this may not be a perfect option for people with a busy schedule.
  • So, before applying for a car title loan, it will make a lot of sense to go with a process that works just for you.
  • If you think you have all the time in the world, nothing stops you from applying for a car title loan at our locations.
  • On the flip side, if you think you have a lot on your plate and don’t have all the time in the world to apply for a title loan in our locations, nothing stops you from applying online.

Just know that whatever decision you make has its own advantages and disadvantages especially if you really need the cash as quickly as possible.

Remember, before applying for a car title loan, ensure you have double checked all documents needed. Also, make sure they are up to date.

This can contribute to whether your car title loan request is approved or not. We are sure you wouldn’t want to be turned down especially if you really need to use the cash urgently, so it would be smart to ensure you fulfill all car title loan requirements before applying for one.

For those who need cash urgently, applying for a title loan at our locations will be your best bet, because the value of your car can be accessed on the spot, with your loan professional proceeding to give you an offer he thinks is fair.

How Do I Know My Personal Information is Safe with Car Title Loans California?

If you are yet to obtain a car title  loan from us or you have been granted one and you are unsure if your information will be secured with us then you have to read on.

Car Title Loans California is a reputable Loan Institution that has served many residents of California for years, we are trusted and we don’t breach our agreement.

We know how important personal information can be and we are committed to keep it safe for you.

We use Secure Socket Layer (SSL) encryption.

Your information will always stay safe and secure with us.

The company recognizes the importance of information security, so no personal details are stored on their web servers, the use of Secure Sockets Layer (SSL) encryption is in place, compliance with federal and state laws on privacy are followed, and routine shredding of any paper copies of customer information are done when such documents are no longer needed.

We have been offering our reliable and result-oriented services in the state of California for many years now.

Our auto title loan services are highly recognized in the area and considered among the best.

Our procedure of application approval is swift, without any complications and clear-cut. In case you need quick cash then Car Title Loans California is your ultimate one-stop destination.

We have the experts that can unlock the hidden equity of your vehicle.

There is no need to worry even if you have a poor credit history or absolutely no credit at all, you’ll still qualify for the loans – it is as simple as that!

We have a dependable customer service that ensures that you get any kind of vehicle collateral loans.

Our workers are fully trained and they know how to take care of various queries that come their way on daily basis.

You can contact any of our auto loan agents in states of California

Inarguably, we are the best pink slip loan provider in the area and that is all because of our dedicated team and our constant efforts to thrive for the best.

We just recommend you to use our dependable title loans if you are in need of some financial help.

We assure you that our title loans are the best in the market because they do not come with lots of restrictions and they are highly regarded as best customer-friendly loans.

We will keep all your information safe and make sure nothing gets out.

We offer our highly recognized services in states of California.

If you have never applied for car title loan or a pink slip title loan and you are wondering about which place is best for you then Car Title Loans California  is the best option for you.

We have a fast processing system that enables us to approve your application in the shortest time possible.

We’ll make sure that you are provided all the essential information before accepting your application.

Just like getting the loan, repayment is also not an issue and you can repay the loan without going through much hassle.

Our friendly knowledgeable staff will make a plan for you that will enable you to pay the loan without going through much trouble.

It is our utmost priority to make the whole procedure convenient for you, and that is why we take the most minimal time to process and approve your auto title loan application.

How do I make money with my car title?

Wondering how to make money? Do you know that you can actually make money using your car title?

Ways to make money are all around us, although some may be much easier to take advantage of than others.

If you choose the right opportunity for making money, then reaching your goals could be easier than you imagined.

In fact, goals are often where money-making endeavors should start.

Understand how much you wish to make, how you plan to use it, and what timeframe you need it in.

That could help you to reach your objectives faster and achieve more satisfaction from the results.

In order to make more money, most people will have to consider options outside of their current job. Of course, there are also possibilities for making money from your current commitment if you can get more hours or a raise, but sometimes, this can be difficult.

Studies have shown that people typically make the most money not through promotions, but by moving on to other companies.

This typically yields an increase much larger than the average annual raise. However, it can take months to find the right opportunity to move on.

What happens if you need money right away and don’t have time for a long process? There are options, but you typically have to think about other ways to get started. With the right attitude, making more money for short-term needs is easier than you might think.

Many people can make more money if they demonstrate increasing skills through classes or professional certifications.

This usually takes an up-front investment on your part, but in some cases, you can even write it off on your taxes. The question then becomes, how can you find the initial money?

One of the best ways to make money is to get a short-term loan.

However, you should be leery of loans that come with lots of challenging requirements. The more complex a loan is, the easier it might be to fail to meet its terms, and even if you are doing the best you can.

If you’re asking yourself, “How can I make money using your car title?” just know it doesn’t have to be hard.

Car Title loans California is a recognized and trusted provider of title loans and more. We have issued millions of dollars in loans to people from all around California.

If you want to explore your options for a title loan with Car Title Loan California you don’t even need to go to one of our convenient locations. If you have your title handy, you can get started with our process right away online. You retain the use of your vehicle during the life of your loan.

You’ll be amazed just how easy it is to secure hundreds or even thousands of dollars using our service.

The amount you qualify for is based on a quick assessment of the value of your vehicle, so you don’t have to wait a long time to get your results and your cash.

Get started today with the auto title loan brand trusted across California

How do title loans work?

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

How Much Cash Can I Get with Car Title Loans California?

Are you wondering “How much can I borrow against my car title?” The answer is a phone call away.

We can give you your car title loan value and estimated loan amount over the phone when you tell us about your car and its condition.

Our friendly, knowledgeable agents are ready to take your call and tell you what your vehicle is worth.

When it comes to getting quick cash in hand, a car title loan from Car Title Loans California is ideal.

It doesn’t matter how old your car is or which make or model it is. We accept all cars that are paid off and have value in them.

Unlike conventional loans, you won’t have to wait days or weeks for the approval process to finish.

You can quickly stop wondering, “How much can I get on a car title loan?” because you’ll have the answer the same day.

Also, you can continue driving your car after being approved.

We just hold on to your car title until you pay off the loan using the comfortable and affordable payment plan that we set up for you.

Because you never know when you might need extra cash, knowing how a car title loan works and how much money you can get is ideal.

Having the option of a car title loan can give you peace of mind.

When you choose Car Title Loans California  for your auto title loan, you can rest assured that you’re in good hands.

We’ve been in business since 1994 and approve a lot of car title  loans a day. Also, we provide quality customer service and are here to answer any questions you might have.

When you need cash in a rush, we want to make the process of getting it as fast and effortless as possible.

What You Need to Know About Title Loan Value

Car Title Loans allow you to obtain cash for title loans much more quickly and easily than traditional credit-based loans from banks and credit unions.

We determine car title loan value using the industry-standard Manheim grading scale – it’s like the Kelly Blue Book for dealers.

Your credit score plays no part in determining your car title loan value.

Our car title loans are $2500 and above.

We’ll loan you the most based on your car value. Our loan rates are very competitive.

There are no surprises with Car Title Loans California. We focus on educating our customers and offer clear communication from the very start.

Getting Started

If you want to know how much you can borrow against your car, truck or motorcycle, call us today and we’ll have all the answers when you need to know “How much can I borrow on my car title?”

Let us educate you about how title loans work and how we can help you with immediate cash for title loans.

We’ll point you to one of our local branches and have you in and out (with cash in hand) in less than an hour! What are you waiting for?

How to apply for a car title loan?

Sometimes we face emergencies which often takes us by surprise, and sometimes these can be quite costly.

Whether you’re dealing with a substantial doctor’s bill or any other unexpected expense, a car title loan might be the answer.

If you’ve never applied for one of these loans, you’re probably wondering how to get a title loan.

There are various requirements that you must meet to get a car title loan.

Before you apply, also ensure that you’re dealing with a reputable company like Car Title Loans California.

The entire process is basically like entering a pawn shop.

This is also why car title loans are sometimes referred to as a title pawn. You give us your car title, show us your ID, and we can usually approve you for a loan. Unlike pawn shops, you get to continue driving your car.

The approval process takes as little as 30 minutes. To apply for an auto title loan, you must be 18 or older and hold a lien-free car title with your name on it.

You can apply for a loan online or at one of our locations. After applying, you will be instructed to go to one of our branches for a visual inspection of your car.

The value of your car will be estimated, after which you could be given the money you need.

The amount of money you are loaned depends on the value of the vehicle that you brought.

To get an idea of what your vehicle is worth, you can visit some websites to get more information on this like KBB.com.

To get a car title loan, you must also have a reliable source of income.

If you don’t have a job, disability, retirement, and unemployment income will all do.

Now that you know how to get a car title loan, you can check whether you qualify by applying on our website.

After being approved, you will have to make regular payments. You can also pay off the entire amount early without being charged a pre-payment penalty.

Our car title loans are ideal during times when you need additional cash.

Our loans can ease stress and give you peace of mind knowing that you’ll have the money that you need.

Avoid dealing with fly-by-night companies; our company is reliable, and our representatives are knowledgeable and helpful. After filling out your application and showing us your car, we will quickly let you know how much you’re approved for. Whether you want to borrow the entire amount or just some of it is up to you. Now that you know how to get a title loan, why not apply for one?

If you still have questions and can’t find your answers on our website, feel free to contact us through our toll-free number or through the live chat function on our website

How to apply for a title loan in California?

It is easy to get a car title loan in California, and all you need is your vehicle’s pink slip or California certificate of vehicle ownership as collateral to loan agencies. This type of car loan is preferred over other methods such as a car title pawn, wherein the lender will hold on to the vehicle while the loan is active.

A pink slip loan is different, as it lets the owner keep the car even while under the obligation of a loan.

A lot of people have taken advantage of the pink slip loan. Websites that specialize in pink slip loans in California will give you a fair assessment on the loan amount based on your car’s value or equity.

In California, you can get a car title loan or motorcycle title loan starting at $2,5 00 in as little as 30 minutes at your closest Car Title Loans California store.

To be approved for a car title loan or motorcycle title loan, all you need is a vehicle with a clear (or lien-free) title and valid government-issued ID.

We have great auto title loans in California because we are quick and simple; and an auto title loan is a smart option for your future.

Let Car Title Loans California help dig you out of your mounting bills and get you back to living the West Coast lifestyle with the car title loans and motorcycle title loans California people have been relying on for years.

To apply for car title loan in California, The first thing to do is find the vehicle’s VIN number.

If you have the current registration paperwork it should be on there.

You will need to find a request for duplicate title form. These are available from your local DMV office or their website.

This form needs to be filled out and notarized. If there is a lien against the car, like a car loan, you will need to have a representative of the bank sign the form as well. The form and the fee will then need to be filed at the DMV. The new title will be sent to you, but it can take up to 10 weeks to receive it.

The benefit of car title loans is that you can get the cash you want without having to actually give up access to or use of your vehicle.

All that we need is to take temporary possession of your car’s pink slip.

As long as you keep making loan payments, you can continue to drive your car whenever you want!
Remember that we have professional associates who can answer your questions and guide you through our California title loans process.

Our service is fast, and you can drive off from one of our locations with your cash and your vehicle!

We have the car title loans and motorcycle title loans California residents can count on when times get tough and cash is running out.

Contact us today and we will show you why we have the very best auto title loans in California and how we can help you!

How to choose the best title loan company?

In a more volatile economy, borrowing is inevitable.  A job layoff or a medical emergency can happen anytime and, when you are short of funds, a loan is often the only solution to your financial woes.

Car title loans are fairly easy to obtain but before you do so, make sure that you take the time to gather as much information as possible to make the best decision for you and your family. There are numerous car title loan firms available.

Finding the right one can be tricky. You can help yourself by doing the following when looking for a title loan lender.

To start with, make your list of title loan companies. Begin some research on each firm to make sure they are legitimate. You can easily find out if the company is licensed to operate in your state and you may want to verify that any information you gather is, in fact, true.

 

Experience, Trust, and Reputation

Think about it: who would you rather work with? A company that has been in business for a month or one that has been dealing with vehicle title loans for over 20 years?

In California, for example, Car Title Loan California, a licensed consumer finance company, has been specializing in car title loans since 1994. A lender that has been in the industry for a while with a solid reputation for helping its customers is one that you can trust.

 

Read Testimonials

Most reputable lenders will publish testimonials from customers that have used the lender’s services. You should take the time to read through several of them to get an idea of other borrower’s experiences with the company.

Find out if any of your friends or family has ever borrowed money using a car title as collateral.

If so, ask about their experience and, if favorable, request a name and phone number so that you may call them. Lenders that do not offer any testimonials should raise some suspicion. Smart lenders publish lots of testimonials because they know that they are one of their best sources of advertising.

 

Watch Out For Hidden Fees

A vehicle title loan is pretty straightforward. You fill out your application, prove your identity and residency, and present a clear title to the lender. The lender makes sure the car matches the title and then assesses its value. A loan schedule is drawn up with terms and rates. Unlike other types of loans, there should be no extra fees when taking out a title loan.

 

Compare Interest Rates

As you would with any type of loan, shop around and compare the interest rates and terms of a variety of car title loans. The interest rate is what it will cost for you to borrow the money from the lender. The higher the rate, the more you pay. There are many title loan companies online these days making it much easier to compare rates. Take the time to do so and find the best deal

Finally, after taking your time to draft an understudy. You are now rest assured to choose the company that meets your needs and goals

What Are The Forms of Auto Title Loans?

Life is full of surprises. However, not all of life’s surprises are of the good kind. Sometimes life can throw unexpected hardships our way.

Whether you recently lost your job, got divorced, got seriously injured, or fell behind on payments for your house or other property, you can be rest assured that so long as you own a working automobile, you have access to a cash loan if you need it.

In this post we will briefly go over what a title loan is, how you can get one, and the different Forms of a car title loans.

 

The forms of vehicles you can get a quick cash loan with:

While car title loans are the most common type of title loans, there are other types of vehicles with which one can get a low-interest title loan.

Cars

Cars (also called automobiles) are by far the most commonly-owned type of vehicle and make up the vast majority of all title loans. Titles of cars of all types can be used as collateral for auto title loans.

Trucks

Trucks are another type of vehicle that can be used to secure a title loan. Trucks come in many types and sizes and are usually used to transport supplies, equipment, and other cargo. The process for obtaining a truck title loan is similar to that for obtaining a car title loan.

SUVs

An SUV, short for “Sport Utility Vehicle”, is large automobile designed for use on city streets as well as off-road. Sport utility vehicles can also be used to obtain auto title loans.

Motorcycles

Title loans aren’t limited to vehicles with four wheels. Motorcycle owners can use their vehicle title to obtain motorcycle title loans.

RVs

RVs, short for Recreational Vehicles, are large motor vehicles with cabins meant to be used as living spaces. Recreational vehicles can be used as collateral to secure RV title loans.

What Are the Pros and Cons of Car Title Loan?

A car title loan is a type of secured loan where borrowers can use their vehicle title as collateral.

Are you in need of money as soon as possible? You may then consider offering your car as collateral for a short-term loan. After agreement to such a loan, the lender will place a lien on the car’s title, allowing him to repossess it if you stop making your payments. Mind you, every car title loan have their own pros and cons.

PROS

Car title loans are an excellent option for borrowers who need their money immediately. As soon as you and the lender agree to the loan amount and terms, you can receive your cash quickly. In many cases, you can walk out of the lender’s office with the money in hand on the day you apply for the loan.

Apart from other types of financing, car title loans don’t have a complicated or lengthy approval process. Since you are offering a form of collateral, car loans are relatively easy to qualify for, even if you don’t have the best credit score. Many lenders will, in fact, provide car title loans without even with a bad credit score or report. As long as you can show that you have a reliable source of income and a car worth more than the loan you are requesting, the lender will typically approve your loan application.

If the lender places a lien on the car’s title but doesn’t keep the vehicle itself, you can continue to use the vehicle while making payments on the loan. There is certainty of losing the use of the vehicle only if you default on the loan by not making your monthly payments and the lender repossess the car.

CONS

Car title loans often carry high-interest rates. These rates are significantly higher than credit cards rates and may even exceed 100 percent in some cases while a few states have laws that prohibit such exorbitant interest rates, many do not.

Car title loans are also short-term loans, which means that they must be within 24 to 48 months. If you are unable to make your payments, late fees raise the balance even higher, and the lender will eventually repossess your vehicle, which leads to a host of other problems.

 

TIPS FOR BORROWERS

Additionally, carrying title loans can be sure to pose problems, especially if the interest rate is quite high. Before taking out a car title loan, consider less expensive options. Research on other consumer loans, credit cards, cash advances and even loans from family and friends.

If you must take out a car title loan, make sure that you understand the terms completely. Ask about the APR, as well as any fees that accompany the loan. Finally, make sure that you always make your payments on or before the due date to avoid paying additional fees to the balance, and you may even lose possession of your car.

What is a Lien Free Car Title?

Buying a used car can be a tricky proposition. It requires a diligent search, test drives, and plenty of legwork to find the right car. One step that should never be overlooked is the search for any liens on the title. If you make a mistake and the vehicle has a lien on it, you may wake up to find your new car repossessed with very little that you can do about it. One should always know how to get a title loan with a lien.

The difference between a car registration and a car title is that the title relates to the ownership of the car, informs the state who actually owns the vehicle, and lists any liens on the vehicle. The registration, on the other hand, relates to the license plates on the car. License plates provide revenue to the state and are usually paid to the state DMV.

A title will not typically contain information regarding the registration or the license plate and should be kept in a safe place at all times. A registration, on the other hand, should be kept in the vehicle if you are wondering how to get a title loan with a lien.

Let’s now go to what a car Lien is. A car lien is a right that a loan company, bank or other party has to the vehicle in exchange for their assistance in paying for the vehicle. A good example of how to get a title loan with a lien: in exchange for the money to buy the vehicle, the bank puts a lien on the vehicle, which acts as “security” for the bank that you will repay the loan.

If you fail to repay the loan, the bank has a legal right to the vehicle, which they will repossess and sell to satisfy your debt.

When you finance a car (take out a loan to help pay for it) you are giving the lender (bank, credit union, etc.) partial ownership in the car until the debt is repaid. That is called a lien and they are the lienholder. (This also gives them the right to repossess (“repo”) the car should you fail to make payments on the loan.)

Once you repay the loan they will send you a release of lien and you should use this to apply for a new, “clean” title, in other words, one free from lien. Having a title with a lien on it will make it difficult to resell.

There are reasons a car may have a lien on the title, perhaps the owner used it as collateral on a title loan, or they owe the government some money or something else.

Liens can be applied to a vehicle by institutions other than banks or finance companies. If vehicle taxes or fees are not paid, the local government may put a lien on the vehicle.

Unfortunately, liens can pass to a new owner if the car is sold, so before buying a used vehicle it is important to know how to get a title loan with a lien.

Also, there is a type of lien called Electronic Lien. The Electronic Lien and Title Program (ELT) is a method by which lending institutions (lienholders) can exchange vehicle and title information electronically.

Where Can I get a Title Loan?

Are you looking for a place to get a loan around California?

Do you know that you can get a title loan just in few minutes?

Do you know that we have offices just behind your house?

Oh yes for all those searching for a place to get a loan, here is good news for you, we have offices all around California that will handle all your needs when it comes to title loan in California.

Car Title Loans California is a premiere auto title loan company that has helped many residents of California get the fast cash they need, regardless of why they need it.

Our title loan application process is hassle-free. Even if you have less than perfect credit we can most likely help you obtain a loan

. We simply use the equity of your vehicle to determine if you qualify for a car title loan. We use a quick but efficient process so you can get the money quickly without the frustration and stress.

Car Title Loans California provides many great benefits to Car Title Loan borrowers who need money quickly and securely.

With same day funding seven days a week, our customer service team walks the borrower through the entire process — answering any questions along the way.
By giving a more personal approach to the Car Title Loan experience, borrowers have access to relevant information such as document stipulations proposed by Car Title Loans or what type of agencies and the rules they implement in order to regulate the industry.

We have locations in every major city and surrounding areas in California, as well as in Apply online or over the phone for a car title loan and pick up your funds at an office near you.

We accept your title as your collateral when you don’t have a good enough credit score to get a traditional bank loan.

You get to keep driving your vehicle throughout the entire duration of the car title loan or motorcycle title loan.

And we work with you to set up monthly payments until you can pay the loan off and get your car title back! That is why we have the title loan California people trust.
Few Americans have as much pride as those who hail from the world-famous Golden State, and rightfully so! The 31st state is the third-largest in the nation, allowing it to offer the most wonderful diversity in geography, topography, weather, lifestyle, and both indoor and outdoor activities. Regardless of your preference, California seems to offer accommodations to suit your every need.
But if you’re faced with financial problems, whether you’re in the deepest dunes of Death Valley or the highest mountains of Sierra Nevada, you simply cannot hide from those late bills and unexpected expenses. And although there are numerous lenders out there offering cash advances or payday loans, most of those can dig you deeper into the desert sand. But Car Title Loan is different.  Car Title Loan can be your solution, your relief, and your ticket to a better future.

Why Acquire Funds From a Title Lender?

When you are facing a difficult financial crisis, every other thought can seem to fly out the window.

In fact, sudden financial burdens can be stressful and frightening. Even the most budget conscious person can run into a financial snag, like an emergency room visit or braces for a child you thought insurance would cover.

However, you do not have to struggle with your finances due to a sudden expense, wipe out your bank account or keep yourself awake at night wondering what to do. Bring your car title, along with some identification, to Car Title Loans California. The title loan application process is quick and we’ll have you out the door with money in your hand in no time.

You keep your car while you pay the payments on the loan, unlike other short-term loans that require you to give up your belongings until you repay them.

Below are the benefits of acquiring funds from a title lender:

  1. Quick Cash, Easy Process

One of the biggest benefits of Car Title Loans California is that they are very quick and convenient.

The process is easy and quick and can be completed within ten minutes. Once you submit the form, you can receive the cash within the same day!

  1. Credit Doesn’t Matter

Auto title loans are known as bad credit loans. They are based off of collateral (your vehicle) so it makes it much easier to secure one even if you don’t have good credit.

Most lenders provide auto title loans to people who own a car that is worth more than the loan and have a source of income. They may not even ask to see your line of credit.

  1. If You Have A Vehicle You Can Qualify

Whether you have a car, motorcycle, RV, SUV or truck, you can qualify for an auto title loan.

These loans are not based on your credit. They are based on collateral by using your vehicle’s title.

So if you have a vehicle, as well as a steady income, it is possible to get this loan.

  1. You Can Still Use Your Car

If you get a car title loan, you can still drive your car.

The car title is used as collateral in case the borrower cannot pay the loan back, yet once you make your final payments, the title is returned back to you.

So you don’t have to worry about getting around when you take out an auto title loan.

  1. Cheaper Than Cash Advances

Because auto title loans use your vehicles as collateral, they have a layer of protection, so they don’t have to charge as high of an interest rate.

Because of this reduced interest rate, they are often less expensive than cash advances.

  1. Convenient Repayment Options

Another great benefit of car title loans is that they offer quick and easy repayment options.

With these loans you will have a schedule upfront so that you will know when you need to repay the loan back by.

  1. Eliminate Stress

We know that life can get hard at times. If you are going through financial hardship, a cash title loan can help you get back on your feet.

You don’t have to live with extra stress when you are in need of quick cash.

Using a car title loan to pay off your expenses will help gets rid of that burden so you can return to your daily routine as quickly as possible.

We hope that you understand how auto title loans can help you get the cash you need. Of course, if you have more questions, we’re happy to help.

Why is Car Title Loans California A Great Option for Getting A Title Loan?

If you’re still deciding whether or not getting an auto title loan with Car Title Loans California is a good decision, what you probably need to know are the benefits of having an auto title loan—after all, not all loan providers are the same – so it makes good sense to be aware about the ones that go the extra mile, like Car Title Loans California

Here is a quick rundown of some of the advantages as to why you should get an auto title loan with Car Title Loans California)

We do not  charge for inquiries. Top service involves care and concern for clients, both current and prospective. Because of this, you will not be charged even one cent for making an inquiry with us, even if your inquiry does not materialize in an actual loan agreement.

We never ask for money from you to get a loan. After all, you need money from us so why ask you for money to get that loan? As a large and well-established leader in the lending industry, we have the best resources and tools to serve clients.

You can enjoy secure, safe, and efficient tools of convenience such as online account access or direct links through your phone via a mobile app. Loan application processes can be approved within the day if everything is in order.

If you submit all the necessary documents and photos of your vehicle, you may be able to get your money the following business day or in some cases, even before the day ends.

We make it convenient for you to receive your loan money. The last thing anyone wants to do is to line up for one long line after another just to put in a loan application and then be told what you should have taken with you on this visit to get your money!

Over the phone and through email and text messages we get the things we need so you don’t waste time in lines! We never put you through a situation where you go to a friendly participant of ours and then get turned down.

Applying for a car title loan with us does not require a laundry list of documents and paperwork. We  have  simplified the entire process by asking for your car title, your proof of identification, capacity to pay, and residence.

One of the most challenging parts of applying for traditional loans or bank loans would be collecting all the documentation that one will need just to comply with the loan requirements.

We use Secure Sockets Layer (SSL) encryption. Your information will always stay safe and secure with us.

The company recognizes the importance of information security, so no personal details are stored on their web servers, the use of Secure Sockets Layer (SSL) encryption is in place, compliance with federal and state laws on privacy are followed, and routine shredding of any paper copies of customer information are done when such documents are no longer needed.

Loan approvals for this are largely based on the value of one’s vehicle as well as the loan applicant’s ability to pay back their car title  loan. When we have this information a personal title loan underwriter will take ALL your factors into account, not just one, giving you a great chance to get the car title loan with a computer spitting out automatic denials.

We allow for auto title  loan approval without keeping your car. One of the biggest concerns of people who apply for title loans using their car title is whether or not doing so will impact their ability to get around.

Luckily, with us you are completely free to use your vehicle throughout the duration of the loan because it is only the auto title that the company will secure prior to giving you your loan amount. This also applies even when your car is not yet fully paid off.