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Is it Difficult to Get a Title Loan?

Categories: Car Title Loans California Blog

Is it difficult to get a title loan? Not from us, we make it easy to apply and easy to receive your money. We can also do same-day funding when you do an online title loan application. Car Title Loans California can make getting the title loan you need easy. If you go to your local bank, they will not be able to give you the money today. You will be lucky if they gave it to you in a month. If you have bad credit, they probably will just reject your application. Is it difficult to get a car title loan?  Let us look at the process. Please read on and then you can decide.

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Who Can Get a Title Loan?

Anyone can get a car title loan. You have to have a car that has equity in it. Investopedia says that most title lenders will not lend you money on your title unless you have paid for the vehicle in full. You have to own the vehicle free and clear, and not owe and finance company any money on it. This is not the case with us. If you have equity in your vehicle, we will be able to do a pink slip loan on it. If the vehicle is paid for and you have your title in hand, that’s great. We will book your car by using the Kelly Blue Book to get the wholesale value and then we will know how much your car will qualify for.

If you are still making payments on your car but you have equity in it, then we will still be able to help you. We will need to book the car again with Kelly Blue Book, to see the wholesale value. We will get the payoff from the other finance company or bank, whichever you are making the payments to. We will pay them off, they will send us the title and we will give you the balance.

Bad Credit Title Loans

So you go to the bank and they reject your loan application because you have bad credit. We work with all credit ratings. So if you have bad credit, that is not a problem for us. We can get you the auto title loan that you need. When you go to the bank and they reject you, it is defiantly a downer. You have your emergency and you need money fast. Your bad credit will not let you get a loan from any traditional lender. When you apply with us and you get approved over the phone, it is a great feeling. Knowing that you can take care of your emergency is a great relief. We can remove that stress from your life. You will be able to sleep at night again.

Our car title loan program is designed to help you get the money you need and we always try to fund you there the same day. Your title to your car is your savior. So how do car title loans work? Your pink slip will be used as collateral. It is secured against the loan. So your car title is the security on the loan. We will become the lien holder of the title. If you default on the loan, we will be able to pick up the car and sell it to get our money back. We never want to pick up any car. We always want our clients to make their payments and be up to date on their title loans. Picking up the car is the last resort. When this happens, no one wins.

This is similar to how a pawn shop works. You go to the pawnshop and get your loan.  Once you pay back your loan you get your personal property that you pawned with them. But if you never come back, then the pawnshop will sell your property and keep the money. This is the same with a title loan, except you get to keep and drive your car. Once you pay us off, we will return your title to you.

If you default, we will have to pick up the car and sell it. We do a credit check on all of our loans. Even though we are an asset-based lender, we still use your credit to approve your title loan. We need to make sure that you are not in a current bankruptcy. We are not concerned about your credit score but we will read your credit to analyze your payment history. What we want to see is that you are paying your creditors. If you have tax liens and medical bills, we do not worry about them. Your intention to pay is important.

Income Verification

Your income is very important to us. We have to see that you can afford to pay for your car title loan with us. Our car title loan calculator will see how much you can qualify for. Your bank statements pay stubs or tax returns will work. If you have a job and you get paid in cash, then we will need to have a letter from your employer, stating your income. Your ability to repay is vital.

All title lenders should be asking to see if you can pay for the loan you are getting. We want to make sure that we give you the best fit for your finances. We understand that you need the emergency money but we also understand that you need to have the ability to pay for the title loan. We are bad credit lenders but we are also responsible lenders too. It is easy to qualify for a title loan

Just note the following car title loan requirements.

  1. A car with equity that will qualify for our program.
  2. Proof of income.
  3. Proof of residence.
  4. Fill out a full application.
  5. Experian credit check.
  6. Proof of insurance.
  7. 5 personal references.

Picking up your money from us.

Once you have been approved, we need to set up an appointment for you to pick up your money. We have locations in Los Angeles, Riverside, San Diego, Orange County, Oxnard, Bakersfield, Fresno, San Jose, Hayward (East Bay San Francisco) and Sacramento. We try to make it a convent for you to get your car title loans online.

When you go to your local title loan office,  you will need the following document to be with you when you go to the office. THE TITLE. Many people forget the title and then they have to go back home and get it before we can fund the title loan. We will also do a car inspection, to double-check that there is nothing wrong with the vehicle. If there is some extra damage then we will have to determine the new value of the car.


Do you think you can meet the above requirements? Then you don’t need to worry. As long as you have a job or own a vehicle or have any other means of income, you’ll get the loan. We will have to get creative on how to get you to qualify with us. We will get you the loan that you need, but we must make sure that you can afford your title loan payments because the last thing that we want is to have to pick up your car because you could not afford the payments. That would be the worst thing that could happen.

When you apply with us and your car qualifies with our program, you have become creditworthy with us. Traditional banks do not lend to people with bad credit. They think that it is too risky. We do not think just because you have bad credit, that you are not creditworthy. We are here to help you get the loan that you need, and we want to help you get that loan fast. Getting the loan that you need in a fast and timely fashion, will take a lot of stress away. But you need to remember that you are using your car as collateral and if you fail to make your payments, you are putting your car in jeopardy.

Always stay in contact with us, and we will be able to help you. Call us today at 1- 844 242 7467 or you can get an online car title loan and we will call you back once you have filled out all of the information. Do not wait, we can help you. We have been doing title loans for over 20 years, we can help you get the loan you need today!

This article was brought to you by Car Title Loans California.

If you need to get a title loan, we have the largest referral network, so we will be able to get you the best title loan for you. All of our referral partners are in compliance with the CFPB.

Trading Financial Credit, LLC may act as the broker for the loan and may not be the direct lender. Loan proceeds are intended primarily for personal, family and household purposes. Trading Financial Credit, LLC does not offer or service student loans. California loans are made or arranged pursuant to a California Financing Law License : 603-8192. Arizona: Loans made pursuant to Arizona Department of Financial Institutions.

New Mexico: Loans made pursuant to New Mexico Regulation and Licensing Department Financial Institutions Division Small Loan Company License. Small Loan License 02069

*Credit approval is subject to Trading Financial Credit, LLC credit criteria standards. Actual loan amount, term, and Annual Percentage Rate of the loan that a consumer qualifies for may vary by applicant. Minimum loan amounts vary by state. Consumers need to demonstrate ability to repay the loan.

*Application processes could take five (5) minutes to complete. Upon completion, a conditional approval may be given pending review of documentation. Funding time is based on the time from final approval following receipt and review of all required documents and signing, prior to 5PM PST on a business day.

*Trading Financial Credit, LLC dba TFC Title Loans, Car Title Loans California, Dineromax. If you are using a screen reader and are having problems using this website, please give us a call at 1-844-242-3543 for immediate assistance.