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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.