Car Title Loans In Hayward
Getting money in Hayward is easy with A Car Title Loan. We can help even if you bad credit! Apply by completing our online form or by calling 1-844-242-7467 for a free quote.
Car Title Loans California
For over 24 years we have been helping people in Hayward and the whole of the East Bay with car title loans. Helping them get their emergency money when the other traditional banks would not help.
When financial trouble hit, it is tough to know where to get to get money to help with your financial emergency.
If you get your car impounded, sometimes it can be over $1,500 just to get your car out. We have help ped many people with car impound loans. Or if your car is in the body shop or mechanics shop, and you do not have the money to get the work done, we are here to help you.
So getting a car title loan in Hayward from us is a fast and effective way for you to get your emergency money. We will use the equity that you have in your car, truck, motorcycle, van or any other vehicle. We do auto title loans on all sorts of vehicles, just call us and ask if your particular vehicle will qualify with us.
The dollar amount that we will be able to give you will depend on the equity that you have in your vehicle and the Kelly Blue Book value. Once we book out your vehicle or motorcycle, we will be able to see how much we can lend to you.
Once we have booked out the car, we will let you know how much you can qualify for, but we will need to see your proof of income, so we know you will be able to make all of your payments. Sometimes we have to lower the dollar amount that we are lending because the client can not afford the monthly payments. So the dollar amount that we give, is not just based on the wholesale value of the vehicle.
Best Car Title Loans in Hayward and the East Bay.
So what makes our car title loans the best in Hayward and the whole East Bay? That is a great question, and we will let you know why we think we are the best, but you will have to let us know.
We will get you more money on your car title loan in Hayward than any other lender. We will also get you the lowest payment in Hayward too. With our lower interest and our smaller monthly payments, makes it easier to stay on top of your monthly payments. All of our auto title loans are also provided with no prepayment penalties, so you can pay off your auto title loan at any time you have the money.
If you would like to make larger monthly payments, to lower your principal balance, we allow that too. We do not charge you any extra fees to get out of your auto title loan. We want to make it as easy for you to pay off as possible.
Auto Title Loans In The East Bay
Getting your car title loan in the East Bay is not a difficult thing to do. Our vastly experienced sales team, they will help you to get your pink slip loan fast and easy. We have seen many complicated deals and still get our clients the money that they needed.
We will make the car title loan process as smooth as possible. You can also visit our FAQ page to find some helpful information there.
Our clients who need a car title loan in Hayward have Residence of Hayward and the East Bay, if you have equity in your vehicle paid for or not, we will be able to get you the emergency money loan that you want.
If you still owe money on your car to another finance company but you have equity in it or it is nearly paid off, we will be able to help you with an auto title loan. We will get the pay off from the other finance company, then we will get a 10-day payoff and pay off the old finance company, they will send us the title.
If you own your car and you have the title, then it is a little easier for you to get your pink slip loan from us. We will then go to the DMV and add our names to the title.
A car title loan can be used for different financial situations such as some legal fees, dental emergency, home repair, school fees, car repairs and many other things. There are multiple of reasons to use a car title loan. If you are in need of some fast money, then maybe getting an auto title loan is a good idea for you.
How Car Title Loans Work
A car title loan uses the wholesale value of your car to find out how much the title loan will be. We will use the Kelly Blue Book to get the value.
Once we know how much your car will qualify for, we need to see your proof of income, to make sure that you can pay for the title loan with us. So your ability to repay the loan is also very important. When we value your car, we take into many different factors, to get you the most money.
We will need the year, make, model, mileage and the overall condition of the vehicle. If there are any special features added to the car or if there are aftermarket accessories on the vehicle, that will increase the value of the vehicle.
We want to get you the most money possible. We can lend up to 85% of the wholesale value, but this will depend on the ability for you to repay. Your car is going to be the collateral on the loan. You will be able to still keep and drive the car, but the pink slip or the title will be held by us until the loan is paid in full.
Now we know that your car qualifies with us, we will need to get you to qualify. This is what we will need to get you approved.
We will do a credit check with Experian. Do not worry if your credit is bad, we are not a credit based lender, but we use the credit to help us understand the whole credit picture. This will also help us decide the exact dollar amount you will be able to afford.
We will then need to verify your income. We will need to see your bank statements or pay stubs or even your tax return. Proof of income is very important. We have to show that you will be able to afford the car title loan that you are getting from us.
Verifying that you have enough income to support the auto title loan that you are getting from us is very important. We do not want to give you a title loan and the payments are too expensive.
We do not want you to default on your title loan contract with us. We have to make sure that your monthly payments are within your budget. We will have to verify your residence. A utility bill will do the job, but it has to go to the address where you are living. We need to see photos of the vehicle, so we can see the overall condition of it before we make your appointment to pick up your money.
We will also need a photo of the mileage on the vehicle. Please provide us with a copy of your insurance, we will add our name to the policy. We will need to have 5 personal references, with the names and the address of all of them. A copy of your driver’s license and your registration.
Paying for your Car Title Loan
It is very important to remember that your car title loan contract is a simple interest contract, so you will only pay for what you use and for the number of days that your title loan is outstanding for.
So the longer you keep the loan, the more interest you will pay.
If you are going to be late for a payment or you just need to make arrangements for a later date, then it is very important that you communicate with our customer service reps. They will note your account as to when you will pay.
You can pay off your account with us at any time, without any penalties. You might worry about getting a car title loan in Hayward because of the higher interest rate, but as long as you make your payments on time, and pay it off or pay it down whenever you want, there will be nothing to worry about.
After you sign your pink slip title loan, your payment will not be for the next 30 days. It is important that you have a strategy on how you are going to pay off your auto title loan.
Car Title Loans With Bad Credit
There are many different people who have had financial difficulties and have bad credit.
Just because you have had the door slammed in your face at the back because of your bad credit, we have helped thousands of people use their cars equity to get the emergency money loan that they need.
Since we started way back in 1994, we have helped many different people. Using your equity in your car is a great way to get money by using the cars pink slip, so we are not worried about your bad credit. When we pull your credit, we are looking for open Bankruptcy and credit counseling.
Your bad credit score will affect you getting a car title loan from us. We are lending on the equity on the car and the proof of income that you will provide.
Car Title Loans California is Here to Help
When you have a financial emergency, its good to know that we are here to help you.
We will get you your vehicle equity loan for you, so you will have the money to take care of your financial emergency. Our car title loan office in Hayward is open Monday to Friday 9 am to 6 pm and on Saturdays from 9 am to 2 pm. You can stop by the office at 501 West Tennyson Road, Hayward, California 94544.
If you call us we can get you approved over the phone at 844 242 7467 or apply with us online and there will be less waiting at the office because we will have everything prepared for you by the time you go to the office to sign your title loan contract and get your money.
Our friendly sales team are here to help you and answer any questions that you might have.
The Steps To Getting Your Title Loan In Hayward
Since we started helping our clients in Hayward and the surrounding Bay Area back in 1994, we have always tried to get everyone who applied to us a car title loan. Unfortunately, we are not able to approve everyone who applies to us. We try to walk all of our clients through the whole application process.
Our experienced sales team will try to educate you and help you understand the whole underwriting process. With our outstanding customer service, we have helped thousands of customers get their auto title loan.
Our online application is easy to fill out. We will need all of the fields filled out, so we can get you the best car title loan and the fastest one.
Name, phone number, email address, and the minimal information about your car.
2.Call from a Representative
Once we receive your application, we will review it and then we will call you and let you know how much we are able to lend to you.
3.We will go through all of the details with you.
Basic Items Needed for A Car Title Loan
We will need the following items for you to get your application processed.
- Your valid driver’s license or state ID
- Proof of insurance
- The original title for your vehicle
- Proof of income
- Proof of residency
- 4 references
- Pictures of the vehicle
Other items may be required but your loan representative will cover those with you.
Once you are approved, we will set up your appointment for you to come to our Hayward office.
This process can be done before you plan to sign your terms and collect your money.
It will be done at our Hayward location.
It only takes a couple minutes to conduct. We inspect the car to confirm what was in the picture you sent and that there aren’t major damages that would greatly decrease the street value of the car.
6.Finalize Your Loan
We will go over the car title loan agreement with you. We will highlight the most important items on the contract.
The loan terms you receive will be unique to you so that it fits your needs the best. We sit down with you and go through the terms, your interest rate and scheduled monthly payments. After you have signed the contract and your title. You are ready to pick up your check.
7.Collect Your Funds
Once you’ve signed the documents, you are free to leave with your money in hand. You get to go use your money however you like or how you need to. You can take care of the financial emergency that you have.
8.Paying Off Your Title Loan
Once you have your money, it’s important to start planning how you will pay off the loan. Strategizing is always a great step to make sure that you stay on track with your payments and the balance. If you have a lump sum coming in soon, so you know when you can pay off your title loan
We even suggest paying it off early when you have the chance, and there are no prepayment penalties for us. This means that you won’t be charged any hidden fees for paying early.
Car title loans are expensive and should not be used as a long-term financial solution. Paying down your title loan in lump sums can also work. This will reduce the amount of interest you will be paying.
In the end, it could save you a lot of money on interest. If you ever face any struggles with your payments, we encourage you to express your worries. We can help you navigate through any struggles you may face.
About This Location
This location is great for those living in Hayward or around the Bay Area.
Locate on W Tennyson Rd between Baldwin St and Andrea St, our office in Hayward can be found across the street from El Charro Supermarket in a little strip mall.