I Need a Car Title Loan

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A lot of people living in Bakersfield tell us they need money fast.

If you own a car or truck, then you’ve come to the right place.

You may be considering a car title loan.

Here are the benefits of a car title loan:

1. You get to keep your vehicle;
2. You can get same day funding;
3. The application process is easy;
4. If you have bad credit, don’t worry. A credit check is not required;
5. You can get lower monthly payments over a longer term;
6. You only pay interest on the outstanding principal balance;
7. You can pay off the loan anytime with no prepayment penalty.

We have the best car title loan online.

We offer low interest rates compared to other title lenders.

We provide you with step by step instructions over the telephone.

We provide you a list of documents to send us.

The faster you send them in, the quicker you get your money.

People have a lot of questions about title loans.

We have knowledgeable staff that will help you work through any problem.

We make no judgements.  People need money fast.  We know that.

That is our business.

Fill out the form on this page or call us and get started now.

 

What is a Car Title Loan?

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A car title loan is borrowing money against the value of your vehicle.

Let’s use a simple example.

You bought a new Honda Accord 6 years ago.

You financed most of the purchase price with a bank.

You made payments for 5 years and paid it off last year.

While you were making payments, the bank owned the car, and you were permitted to keep and operate the car because you were making payments.

But in truth, the bank was the legal owner.

Then, you made your last payment.  You paid it off.

You now own the car.

Not the bank.

You.

You are now the legal owner.

Let’s say you’ve put 120,000 miles on your Honda in the past 6 years.

So, what is your vehicle worth?

Let’s say it is worth $10,500.

That’s your equity in the vehicle.

Equity just means the owner’s value, and you are the sole legal owner.

Let’s assume you need $5,000 for an emergency.  You need money fast.

A car title loan is perfect.

You can get the $5,000 quickly.

And you can pay it back in monthly installments.

In addition, there is no prepayment penalty if you decide to pay it off early.

A car title loan is a proven way to raise money fast.

 

Best Title Loans Bakersfield

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It is a fact that only the best lender will provide the best title loan.

You have many choices when it comes to choosing a title lender.

If you are shopping around, keep in mind that you must select a reputable lender.

A reputable lender will give you straight answers.

A lender can tell you within 5 minutes how much you can borrow and how much your monthly payments will be within a reasonable range.

Simple questions should get simple answers.

The decision should be easy.

No games, no bait-and-switch, no hidden fees.

The rest of the process of getting a loan is just filling out the paperwork and documentation.

Then, you get the money.

 

Fast Personal Loans Bad Credit

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You can get a fast, personal loan even if you have bad credit.

If you have bad credit, no need to worry.

In addition, you can get a no credit title loan.

Your credit is never checked without your written permission.

As a rule, we do not run your credit.

A credit check is not required to get a car title loan.

Some lenders require your credit to be checked.

A lot of people come to us because they have bad credit.

If you’ve had repossessions, charged-off loans, or even filed for bankruptcy in the past, you may still qualify for a car title loan.

If you’ve been turned down elsewhere, contact us.

We are not a credit-based lender.

We help people all the time with bad credit or no credit.

Bad credit title loans are easy to get approved.

People who need emergency cash come to us for that reason.

 

 

Fast Personal Loans Good Credit

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Tell us if you have good credit.

If you live in Bakersfield and have good credit, then you are entitled to good rates and the lowest monthly payment title loans.

People who have good credit are generally aware of their credit score.

Make the most of it!

 

How do I Get Approved for Car Title Loan?

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First, you must apply.

You may either fill out the form on this page or call us at 833-466-3498 to get started.

You can find out if your vehicle qualifies for the minimum loan just by filling out the form on this page.

The form only takes 30 seconds.

Then, we’ll get in touch.

The application takes 15-20 minutes.

We need basic information about you and your vehicle.

Then, we give you a list of documents to send us: a copy of your driver’s license, insurance card, vehicle title, proof of income, proof of residence, etc.

In addition, we’ll need photographs of your vehicle.

Most people can supply the photos and documents in less than an hour.

If you have questions, we are always available to answer questions.

Tell us how fast you need the money.

Tell us how you want us to send you the money.

We’ll do our very best to get the cash to you quickly.

 

How Much Can I Get for a Title Loan?

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People in Bakersfield can get from $2,600 to $20,000 for a title loan.

The average title loan is between $4,000 to $5,000.

The maximum loan depends on the value of your vehicle.

In addition, vehicle value depends upon its model year and condition:

1. Excellent – minor or no wear and tear;
2. Very Good – little wear and tear;
3. Good – normal wear and tear;
4. Fair – more than normal wear and tear.

Before submitting photos of your vehicle, here are a few tips:

1. Wash the vehicle;
2. Clear junk out of the vehicle;
3. Remove bumper stickers, window stickers, or other items which may be visible and detract from its overall appearance;
4. Take photos in good light; dark photos are suspect;
5. Take photos which accurately depict the condition of your vehicle; attempts to hide scratches, dents, etc. will only produce suspicion;
6. If you believe your vehicle is in very good or excellent condition, you may want to submit additional photos as proof.

You must certify that your vehicle is in operating condition; failure to do so may result in a fraudulent application.

 

Car Title Loans Online

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Bakersfield residents are Internet savvy.  They have email, Smartphones, and order Pizza online or gifts & merchandise from Amazon Prime.

In other words, the people in Bakersfield have the technology and know-how to get the job done.

Getting a title loan online is easy.

If you’ve never got a title loan online, then you should understand the benefits:

1. You don’t have to go anywhere – you can do most of the work over the telephone;
2. It’s location flexible – if you are busy at work, you can work on it during a lunch hour or break; if you are home with children, you can work on it during your down-time; if you are on the road, you can work on it at a rest stop;
3. You can shop around quickly – why go to a store and just take what they give you?
4. The rates are better – there is less overhead than operating a chain of stores – how do you think Amazon sells cheaper?
5. Your personal information is more secure – online lenders keep information in the cloud in high security facilities – isn’t that better than in a filing cabinet in someone’s store?
6. It is the future of car title lending – more and more people get title loans online every month.

But beware.  Not online title lenders are legitimate.  Many do not have a license and therefore are not regulated by the state of California.

You can check our license # 60DB-74450 here:

Many so-called online lenders will merely collect your name and telephone number, so they can sell your information to scores of title lenders.

Then, the annoying telephone calls begin.

This is NOT the best way to find a car title loan.

Call us today.  We’ll let you know quickly if we can help.

 

Title Loans Near Me

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This is one of most highly searched terms for people in Bakersfield who say, I need a fast cash loan.

You will probably see a colorful map with 10 or 15 store locations around town.

Some locations might even be near you; however, if you get in your car and drive to the nearest store location you are likely to be disappointed.

Read the benefits of getting an online title loan above — especially numbers 3 and 4.

If you want the best car title loan, call us.

 

Refinance Title Loans

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If you want to refinance a car title loan in Bakersfield, you may want to shop around.

We make it easy to compare title loans.

Most people want lower payments.

We offer lower rates than most title loan companies.

A lower interest rate will lower your monthly payment.

You can also get lower payments through refinancing if you’ve been making payments on the loan for more than a year.

For example, if you borrowed a large amount and have paid the principal balance down, refinancing the loan makes sense.

If you refinance a lower principal balance, your payments will be reduced.

In addition, there are other good reasons to refinance.

You may want to borrow more cash at a lower rate.  That’s a smart strategy because you may be able to keep your payments the same.

Finally, you may want to change the term of your loan.

The term of your title loan may be 12, 24, 36, or even 48 months in duration.

If you increase the term of your loan, your payments will be reduced; however, if you want to decrease the term of your loan, your monthly payments may increase.

There are potential benefits and drawbacks with different loan terms.

The point is, we offer flexible loans and payment plans to fit your budget.

Just enter your current loan information on this form here: