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Motorcycle Title Loans In Riverside

By Jenny Williee | March 29 2019
Categories: Motorcycle title

Do you need some money right now, but cannot get traditional lenders to lend you any money because you are suffering from bad credit?  You can get a motorcycle title loan in Riverside, from us today. Many people have poor credit profiles, but with us, your motorcycle equity is your credit.

Life is full of up and downs, thus becoming very unpredictable. This is why emergencies catch most people when they are unprepared for them. During such times, you may need to get money to settle some bills or pay off some outstanding debts or even settle medical bills. Your bad credit history is more than enough to discredit you before traditional lenders.

Unexpected expenses usually bring with it fear, anxiety, and stress. However, there is no need to be desperate if you happen to fall into this category. If you have or own a motorcycle, then you can get some relief or respite by applying for Motorcycle Title Loans in Riverside.

Getting Motorcycle Title Loans is one of the fastest means that anyone can use to get some money readily for taking care of an emergency. You should consider motorcycle title loans when:

  • An unforeseen veterinary or medical bill occurs
  • Cable bills, water bills, utility bills, etc. each one piling up and need to settle your creditors as soon as possible
  • The roof of your home caves in or a water pipe bursts without warning and you need to make payment for house repairs
  • You need bail money to get some loved one or relative out of jail
  • You need to attend an important event somewhere outside your geographical area, and you need to book a flight

How Do Loans Work?

Loan contracts come in various forms and have varied conditions or terms. Each one ranges from verbal agreements between friends or family members to more complicated arrangements with lending firms or institutions. Lending firms provide loans for noteworthy items such as tuition, a car, a house, etc. 

Some lending institutions may grant personal loans for items that are non-essential or payday advances. Therefore, if you need some money to buy essential items or help you make life more controllable, then familiarizing yourself with how loans work is an excellent idea.

Loans: How Do They Work?

The first thing is to do is to find out why you need a loan in the first instance. Loans are available for every type of financial need or want such as:

  • School loans
  • Auto loans
  • Mortgage loans
  • Payday Advances
  • Personal loans

These loans vary in accordance with the needs or intended uses of the borrower. Terms and conditions also vary from one type of loan to another, and they usually set some limits on the life of the loan, payment due dates as well as interest rates.

Categories of Loans

Borrowers have several options which are categorized as:

  • Open-ended loans
  • Closed-ended loans
  • Secured loans, and 
  • Unsecured loans

It is vital for you to know how they work so that you can make up your mind on the right type of loan you should go for.

#1: Open-Ended Loans

Open-ended loans are loans that you can borrow time and again. These types of loans are from credit cards as well as other lines of credit.

#2: Closed-Ended Loans

Closed-ended loans are loans that are given to borrowers and will not be renewed once it is repaid. 

#3: Secured Loans

Secured loans are the type of loans that rely on a particular asset or property as collateral. A motorcycle title loan is an excellent example of a secured loan.

If the borrower happens to default or fails to repay a secured loan, the lending institution can repossess the asset and sell it off to cover for the loss of the loan. In the case of a motorcycle title loan, the lending institution would take possession of the motorcycle’s title if the borrower fails to repay the loan within the stipulated period as drawn out in the contract. 

#4: Unsecured Loans

Unsecured loans are loans that do not require collateral before it is put into effect. However, you must be prepared to pay a significantly high-interest rate if you apply for an unsecured loan. 

You must also be prepared to pay any tariff or fee that is drawn out in the agreement. Monthly payments on unsecured loans are very costly as some lending firms can charge up to twenty-five percent of the loan amount. 

This is why it is an excellent idea for you to get more information from the lender about the APR (annual percentage rate) on their loans. The annual percentage rate will let you know how much it will cost you to borrow money for one year. The lending institution must willingly tell you the overall cost as well as the annual percentage rate of the loan.

How Do Motorcycle Title Loans Work?

Now that you have a good idea of how different types of loans work and their respective categories let us examine how motorcycle title loans work. The lending institution or lenders give out motorcycle title loans for a specific amount of money but over a short period. Borrowers can acquire motorcycle title loans in exchange for the title of their motorcycle as collateral. The borrower usually agrees to pay a small fee. Lenders, in most cases, give borrowers approximately thirty days to pay back the loan.

Since you now understand how motorcycle title loans in Riverside works, you can start applying for a loan online or by visiting a physical location. This is a straightforward process that will not take too much of your time.

When you get in touch with the lending institution – online or by visiting their offices – you will be required to show the lender some documents. These documents include:

  • An application for the motorcycle title loan
  • A valid photo ID
  • The title of your motorcycle

Some lenders may ask to see a few photographs of your motorcycle from different angles or even look it over physically. This is to allow the lenders to accurately evaluate the value of your motorcycle and its worth noted down. The loan amount you receive from lenders is mostly dependent on the value of your motorcycle. 

If you want to have an idea of how much your motorcycle is worth, then you should visit the Kelley Blue Book website. Another requirement that most lenders lookout for is how reliable your source of income is. 

Lenders have also been known to ask borrowers to hand in an extra set of keys for the motorcycle. Borrowers may also be required to purchase a roadside service plan, though not all lenders will ask you to do this.

Next, if the lender accepts the application of the borrower, they will demand the title of the motorcycle. Once you agree and append your signature on the agreement, you must pay back the loan within the specified period.

To apply for a motorcycle title loan, you must be at least 18 years of age. You must also hold a lien-free motorcycle title with your name on it. 

What Happens When My Motorcycle Title Loan is Approved?

After your motorcycle title loan is approved, the loan amount will be given to you, most times by online deposit into your bank account. Then you will be required to start making regular payments to repay the loan, hence the need for lenders to verify whether or not you have a stable source of income as well as how reliable it is.

You can also decide to pay off the motorcycle title loan amount early, and you will not be subjected to any pre-payment penalty. 

At Motorcycle Title Loans in Riverside, our goal is to ensure that our clients have access to the extra money they need to take care of their personal problems. The loans that we provide are targeted at easing the stress of our esteemed customers and giving them the peace of mind that they need to manage their lives in any way they see fit. 

How to Find the Best Motorcycle Title Loans In Riverside

If you ask any citizen of the United States of his or her opinion about bank lending processes, you will know how difficult it is to find and get your loan application approved. Unfortunately, many of these people are not aware of the alternative options to bank loans that are available even if they have bad credit histories or scores. 

Bankers are in the habit of eliminating risky borrowers, especially those with exceptionally bad credit histories or backgrounds. Bankers are not always interested in lending money to individuals that desperately need it. Interest rates are not too impressive at the moment, so banks continue to make it hard for ordinary people to obtain a loan. When it should be getting a lot easier to procure a loan, it appears that it is getting more difficult by the day.

So, if you are in the market for a motorcycle title loan in Riverside, there are some things that you must do to get the best motorcycle title loan that Riverside has to offer. Doing these things will tip the odds in your favor.

The first thing you should do is to ensure that you have the following:

  • Personal references
  • Professional references
  • Income
  • Other valuable information

Motorcycle Title Loans in Riverside are not charity organizations, so they will need to confirm that you have the capacity to pay back the loan. The more information that you have at your disposal, the more power you will have at negotiating whenever you get to speak with the representatives of the lending institution. 

Motorcycle Title Loans in Riverside

If you are fortunate enough to have a job that pays you a lot of money every month, you will be able to wield more influence when it comes to dealing with a lending firm. This is because having a steady stream of income every month will put you in good financial standing to repay the loan. This presents a lower risk to the lender whose only interest is to get back the loan amount they disburse with a little interest on top.

Secondly, you should only seek to work with a lending institution that has an excellent track record of success, reliability, and certified by the California Department of Business Oversight. To make motorcycle title loans in the state of California and Riverside, a company or firm must seek out time to get a license and maintain specific financial reserves.

You can go online to get access to the online portal for business supervision so that you can find out whether or not, the lending company you want to borrow money from is registered or authorized to operate. Most licensed lending companies with an online presence usually have their license number at the bottom or end of the website.

You are also at liberty to compare prices and can even ask for a different interest rate when you call to speak with a representative of the lending company you want to do business with. At Motorcycle Title Loans in Riverside, we offer the best interest rates and handle all our customers with care and respect.

You can get a title loan in Riverside.

Benefits of Motorcycle Title Loans in Riverside

  • You can get your hands on the money you need very quickly, most times within 24 hours
  • You can continue to ride your motorcycle even if you have a motorcycle title loan (At Motorcycle Title Loans in Riverside, we believe that your automobile contributes to your day-to-day activities, so we are not interested in obstructing or hindering you from riding your motorcycle in any way)
  • In most cases, the monthly payments are on the low side. So, most borrowers can afford to repay the money while riding their motorcycles
  • You can have a poor financial history or poor credit and still gain access to the loan


At Motorcycle Title Loans in Riverside, our goal is to make life easy for all our dear esteemed customers. This is why will never install a tracking device on your automobile or do anything related to that.

We have an excellent track record of reliability and trustworthiness. We will never ask what you intend to do with the loan amount.

Visit us today at Motorcycle Title Loans in Riverside to get that fast cash that you need today.