Title loans are here to assist anyone experiencing financial hardship. We provide same-day funding and work with bad credit scores.
We will get you the maximum amount of money on your vehicle’s equity with our title loans. We have been helping people get quick title loans since 1994.
Ever wonder, are there title loans near me? We can help you with your title loans near me search. Or have you ever wondered if there are car title loans near me? Our local title loan network will get you the money that is most convenient.
Or are you looking for the best car title loans? Our title loans are the best because we will get you the most money, and we will get you the lowest interest rate. You may also get title loans completely online when you apply with us.
The need for cash is one thing almost everyone has experienced. At some point in life, we do find ourselves in such situations and have to seek some financial assistance.
How does a title loan work?
Borrowers can obtain title loans when they give the title of their vehicle, such as their car, truck, or motorcycle, to the lender as collateral.
What is needed for a title loan?
To obtain a title loan, also called a pink slip loan, in most cases a borrower must own the vehicle outright; there may be no liens against the car title.
How much can I get on a title loan?
Every lender has it’s minimum and maximum title loan amount when it comes to title loans. They start as low as $100 and run as high as $50,000.
However, it’s more common to see title loans from $1,000 to $10,000. You might urgently need some cash to pay for some emergency bills.
When faced with such situations it might become very difficult for us to see the possible options.
A title collateral loan is one great way to get quick cash support when you urgently need it and rescue yourself from the depth of such bad situations.
Vehicle Equity Value as Title Loan Collateral
Get a loan on your car, using your title as collateral. This is one quick and reliable option to explore when you are in critical need.
So are you considering a reliable title loan company – Consider choosing us as your title loan needs.
We’ll present you with facts about the subject of title loans; what they mean and how they work, as well as what you need to have to qualify.
What are Title Loans?
Title loans are a means of getting a quick short-term loan. They may be quite expensive, but they are a great way to get that cash you need and to get the cash fast too.
Since it is a secured loan, you will have to present collateral in exchange for the loan, and the collateral here is the title of the car.
In getting a title loan, you are willing to surrender the legal document that shows your ownership of your car to get a loan in exchange.
So a title loan can be your savior if you’ve got no other option, if your back is against the wall, if you are at a tight corner, depressed because of an urgent need that requires cash fast.
Title loans are also called pink slip loans, title loans or vehicle title cash advance., and it is not limited to cars and vehicles only. A motorcycle, RV truck, van or SUV can also qualify for a title loan.
How Do Title Loans Work?
In a title loan, you are receiving an amount of money as a cash advance against the value of your car, with your car title or pink slip as collateral.
So basically, as far as you have a car or vehicle in your possession, with a clear or salvage title in your name, you can get a pink slip cash advance. If what you have in your car is equity, no problem. An auto equity loans work the same way title loans work.
Vehicle Equity Value as Determined by Kelley Blue Book
The title loan amount you can access depends on how much your car is worth, or how much equity you have in the car.
The higher the car’s value or equity, the more cash you will qualify for. With Car Title Loans California, it works a little differently but better.
For example, though title loans are short-termed, we give you a payment period of 24 to 36 months, much longer than what is offered by our competitors.
We also run your car or vehicle through the Kelley Blue Book to determine the recent wholesale value.
And we give you as high as 85% of your car’s value, much higher than what any other title loan company can offer. Though there is no specific credit requirement that you must have to get a title loan.
Like any other type of loan, interest is involved. So you pay back whatever you borrow with an interest. You do not give up your car to collect a title loan, although you could lose your car through repossession if you fail to make payments regularly as agreed.
Compared to traditional banks and credit unions, a car title loan from a title loan lender is designed to work differently, with easier processes.
Title Loan Calculator
Before deciding to get a title loan, you also need to be well equipped to know what to expect, and if it’ll suit you.
Some simple but necessary calculations are vital to carrying out. Those tools may include car titles, loan calculators.
So you wouldn’t wind up in the dreaded debt cycle, paying charges you easily could have avoided on a loan you took simply because you ignored some vital details.
Title Loans Monthly Payment Estimate
A title loan calculator is a tool that can help you take out a loan that will perfectly fit into your financial plan according to your financial strength.
It is a computing system that is used to calculate how many loans you can get, as well as what your payments will look like. Title loan calculations also provide you with an estimated value of your title loan.
Giving you an estimate rundown of your total repayment amount and at what interest rate you are making the payments. These estimates from the result of the title loans calculator provide you with the right figures about the title loan.
And also helps you determine if the title loan is something you can easily afford without any stress on your finance.
For example, to know your payment plan, you will need to input;
- this loan amount you intend taking (principal),
- how long do you expect the loan to last, and
- an interest rate (could be that of a competitor).
You estimate your title loan to find out how much cash you could receive, as well as how much regular payments you are to make monthly. The estimate of a title loan calculator is based on the principle of simple interest involving a principal, interest rate and time.
Poor Credit Title Loan
People take out a title loan for so many reasons, especially people with bad credit or poor credit records. In times when you face critical financial burdens and need quick cash to take care of such urgent needs, then a vehicle identity loan is what you need.
But then, one question we hear from most folks is ‘is it even possible to get a title loan with bad credit?’ The answer is simple; you can get quick cash even with your bad credit with a title loan in your car.
On like traditional lenders or other forms of lending like a payday loan, title loans are usually issued by the credit-based lender. Although title loans are an asset-based loan, which does not pay much attention to your credit history.
Title Loans Requirements
You can get a title loan in just three steps:
- Provide the requirements
- Get an approval
Here are some of you need to get a title loan:
- Your details: Whether you do a physical, an online or an over-the-phone application, you will have to provide your basic bio-data. Here, you will be required to provide your full name, e-mail, phone number, and residential address to be included in a database of lenders and for identity validation.
- Your car or vehicle: this is like your major key to qualifying for a pink slip loan. The car you are presenting has to be sound and roadworthy. Your car’s value is what determines how much cash you can get. So it is vital that your car can qualify you for even more title cash.
- Clear or salvage car title: The collateral – your car title must be in your name. if you happen only to have a certain amount of equity in the car, you can get an auto equity loan, provided your equity in the car is reason enough.
- Car inspection: this is a major requirement since it is the stage where the actual amount you are entitled is determined. The internal and external conditions of your car will be checked and evaluated.
Title Loan Required Documents
After a brief inspection of your car, we will hold on to your car title and hand over the loan sum to you. As long as you diligently make your payments, you keep possession of your car.
Simple documentation: This is where you provide some basic papers to authenticate the details in your application, and to facilitate the collection of the cash advance.
These documents could be:
- a means of identification or any document to verify your identity. A valid government-issued ID is another important document to verify your age as well as
- proof of residence
- your car or vehicle insurance
- Proof of your monthly earning (a regular salary, benefits, or a functioning business) to know how reliable you can be concerning repaying the loan. No reasonable lender would want to give you a loan knowing that you won’t be able to repay the loan
- Putting you in the worst situation than you were before taking a title loan
- Photographs of your car to show the interior and exterior of your car, including the mileage reading of your odometer
- The mileage reading determines the actual current value of your car so that we can evaluate and reach the maximum loan amount that you are qualified to access
- Names and other basic details of references that will stand as guarantors in case you begin to face difficulty in repaying the loan. Your references will also have to confirm that they know you
Online Title Loans with Car Title Loans
Title loans allow you to get quick cash. The process becomes even faster when this title loan is completely online.
You may do it completely online title loans no phone calls! Online title loans no store visit!
Get instant online title loans! No waiting or long queues at a title loan office, no prolonged paperwork.
Simply by filling up an application online, you can get a 100% instant title loan. By now, you already know that there are so many other options for you to get the funds you need.
But you don’t stand a chance of you getting this cash fast through any of those options.
The thing is, when the need for the cash is pressing and urgent, a swift financing option is what you should go for, and this is where a title loan saves the day.
Be it emergency medical bills, repairs, and maintenance, tuition fees, or any other form of life’s uncertainties, do not fret. Go for a title loan. With only a few things we require from you, you can get the cash you need.
Applying Online for Title Loan
You can apply for title loans online by simply providing us with some information in our online application form. An online title loans service offers a completely online application process, giving you the loan you need in just three steps:
- Apply for the loan
- Get an approval
- Receive your cash
The stress you may face when applying for a title loan in a physical office, the requirements for an online title loan application are simpler and brief.
Simply by providing basic information like your:
- Full name
- Phone number
- Vehicle year
- Vehicle make
Fast Approval Title Loan, Same-Day Funding
You can find out instantly online how much cash your car qualifies for. These requirements are what will facilitate your online title loan approval process.
To getting title loans with us, complete the instant title loan application form at the top of our webpage, and find out how much fast loan amount you qualify for.
No Hidden Fees
There are no application charges whatsoever. We provide you with an easy online application on our website.
And if you feel stranded or confused anywhere along the line, you can call us on 1-844-242-7467, and we will guide you through the entire title loan process.
Why Choose Car Title Loans?
When most people think of title loans, they see it as a one-way ticket to more debts. But in actual sense, this is not the case.
When you take out a title loan, you open yourself to a host of benefits. So far, you can see how easy it is to get a title loan completely online. If you need money to handle a critical need, one sure way to get quick funding is a title loan.
Here are some of the benefits of getting title loans on your car’s value:
- Simple and fast application process. It only takes you a few minutes – 5 to 10 minutes to apply, and not more than 24-hours to get your money.
- Quick approval. you get the title loan approval as fast as you can provide the loan requirements needed. If you can do that within minutes, then you get your cash in minutes – on that same day.
- Though title loan interest rates are high, our interest rates are quite competitive and relatively low (the lowest you can find in California).
- We offer you the best rate for your budget that you can find.
- Title loan contract terms have no hidden fees or charges compared to other funding options.
- Your current credit status is not a deciding factor in your qualification for a title loan in California.
- With your poor credit, you can get a title loan.
- Our title loans exclude rollovers.
- But from your monthly income, we will work with you to reach a repayment plan that will suit your financial plan.
- You already know that title loans are typically short-termed.
- But, we offer you a longer payment period – 24 to 36 months.
- With our efficient title loan calculator, you can expect to receive a higher loan amount of at least $2,050 up to $50,000.
- Our title loans have no prepayment penalties.
Title Loans Application Process
The application process is quick, straightforward, and it takes a very short time to get the title loan approval.
It can be done online or over the phone. The application process cuts off the complex documentation associated with conventional loans and focuses on the basics.
Title loans can reasonably improve your life if you have a poor credit history. You can get a payment plan that will perfectly suit your current financial status and budget.
We will even allow you to pay back your loan as early as you can without paying any prepayment charge.
A title loan is a guarantee that you can get money fast using your car title as collateral whenever you are penniless or in need of quick cash to settle any urgent need.
The major benefit of title loans is that you will keep driving your car while you pay the loan back. Furthermore, in most cases, the payments are kept low so you can pay off the loan without any uncomfortable pressure. Read more at https://www.huffpost.com/entry/6-tips-to-getting-the-bes_b_11543618
Local Title Loan
Title loans are the one-stop title loan company for access to quick cash loans.
Whether you have poor credit or no credit status at all, it is easy to get title loans with us whenever you need money for any need that arises.
If you apply now with us, it only takes very little effort on your part, and you can get your title loan approval in minutes!
We can even approve your title loan over the phone or online.
We will ensure that you get the money fast and on the same day, you apply.
- It’s quick
- It’s stress-free
- The entire process is not complex at all
Title Loans Locations
And if you live in California, finding a title loan is no problem at all. Be it Los Angeles, our main location. Riverside, services the Inland Empire for us.
San Francisco, the closest location is in Hayward on the East Bay. Sacramento, or any other county within the state of California, you can get a title loan near you. There is always a title loan provider near your location.
And if you’re thinking of the best title loan program or service you can get, we should be your No. 1 choice.
The reason why we have our offices close to you is for your convenience and comfort. We are 100% committed to assisting you to get the quick cash you need for that emergency.
Pros and Cons of Title Loans
No doubt the subject of title loans are most times a subject of debate. A lot of folks still think that the title loans cause more harm than good to your credit.
So the big question here is “are title loans a bad idea?’ From the way title loans work, as earlier described, they are usually short-term loans that you can take in a situation of a financial emergency.
So we understand that when it comes to making a financial decision concerning title loans, you may feel a little uneasy, uncertain and perplexed.
Irrespective of the fact that there are so many risks involved with title loans pawning. You may also be wondering if this option of getting fast cash is a great idea. Well, here are some facts:
||Takes a long time to get the cash advance
|Easy and simple loan acquirement process
||A complicated process, with too many conditions
|No credit, no problem!
||Your credit is a vital criterion
|You still make use of your asset – your car
||When it involves collateral, you give it up for the loan
Title Loans are Easy to Get!
Title loans are quite straightforward to get, and the cash can be received very quickly too. If you apply for title loans online, you could receive your cash within minutes of application, in 24 hours.
Once you have provided all of the necessary information required, it gets easier from there. Getting a loan from conventional lenders like banks and credit unions can be a very stressful and tedious adventure.
On like other funding options like conventional lenders, there is no complex documentation and the process sticks to the basics, which are:
- car title, and sometimes,
- proof of residency.
Your credit report is not a yardstick for accessing a title loan. You may have poor or bad credit and still get the loan. This type of loan is designed to assist folks with credit that is not so great.
Traditional banks and credit unions are credit-based lenders, so your credit score is a major determinant of your eligibility for a loan.
Title Loans Today
Your credit has to be perfect before you can get a loan from a bank. Title loans also work faster (in almost all cases) than other financing options out there. And while your car title stands as the collateral, you still keep possession of your car or vehicle.
There are testimonies of some folks who successfully managed to rebuild their credits via the convenient payment plan title loans.
So title loans can be great tools for people who are in a critical financial situation and know they will have the money to pay off by the time the term ends.
Title Loan Best in the Industry!
It is a fact that when you have emergency expenses and you need to settle them as quickly as possible, it is easier to get a title loan in your car.
But then, choosing a title loan company that offers such service – a title loan provider is more important.
It will surprise you to know that one thing most individuals search for online is a title loan company and how to find the best title loan, the lender.
We should point out here that the title loan provider has to be licensed to operate and offer title loan services within a state.
So when searching for a title loan company, consider a licensed lender in your state of residence first. For best result, narrow down your search for a title loan lender to your city of residence.
Title Loans Terms and Conditions
Different title loan providers work with different policies. Some are efficient, others are not.
But in your lookout for a title loan provider, consider the following tips:
- Ensure that every of the title requirements and stipulations is outlined and explained in details by the provider so you know exactly what you are getting into
- This will also help you escape the dilemma of hidden charges and unexplained fees
- Be careful not to fall into the trap of title loans middlemen
- These companies exist mainly online, collect your information, claim to offer you a mouth-watering title loan service, only for them to ship you off to an actual title loan lender for profit
- Pay attention to online reviews from costumes that have taken out these loans from your company of choice
- If more people say good about the title loan provider, then it’s possible you could enjoy the same satisfaction
Once you are confident about the lending company you have chosen, then you can go ahead to send them the information required of you.
Flexible Title Loan Terms
Lay aside the weight of too many paper works and hiccups. There ought to be a difference between getting a Title Loan from a lending company and getting a typical loan from a traditional bank, right?
Sometimes almost impossible as a result of excessive documentation and obligatory requirements. Not to mention the long waiting period you must go through before getting the funds.
That’s only if you are lucky to get approval, or the futility of approaching a bank or credit bureau with a poor credit score.
Affordable Title Loans
We understand there are other options for getting a cash advance like payday loans and pawnshops, but they also come with a lot of disadvantages and that makes getting a cash advance on your vehicle or car title the best option.
Getting title loans to offer you a more flexible loan contract policy that will fit into your current budget, and suit your financial needs. Learn more at https://www.consumer.ftc.gov/articles/0514-car-title-loans