How to Choose the Best Auto Title Loan

Here’s the situation: you need money fast. A little bit of web research taught you about title loans, how great they are, and how lucky you are to live in California. It’s one of only 20 states that allow people to turn in their vehicle’s title as collateral for a loan while they continue to use it! Now you want to move forward, and you want to do it quickly. The good news is that the process for obtaining a title loan fast is easy, and calling a title loan lender can get you instant approval. You might even be able to get the cash you need within the next 24 hours. But in order for that to happen, you need to be prepared. Before you call, make sure you’re ready and have everything you need.

Title Loan Application Checklist

So, what exactly do you need to be approved for a vehicle title loan fast?

 Valid Government-Issued Driver’s License – This is just standard procedure. You have to be 18 or older to get a vehicle title loan, and your driver’s license serves as proof of your age. Additionally, you need to have your mailing address ready when you get in contact with office.

 Vehicle with Lien-Free Title – A lien is a term for any loan that you may already have taken out on your vehicle’s title. In order to get a title loan, you must have full ownership over your vehicle. That’s the bad news – but don’t panic if you have a loan on your vehicle.

There are quick ways to identify whether or not you have liens, and we may also be able to help you get those liens removed in some situations. Do not let an existing lien prevent you from reaching out to us to get the money you need. Something else to note? “Vehicle” does not just mean “car.” Title loans can be taken out on any car, truck, RV, boat, or jet-ski valued at more than $2,000. As long as you have full ownership over a vehicle – whatever type of vehicle it is – you can use your vehicle’s title to get a title loan fast. The following criteria will determine your title loan amount:

• Mileage

• Vehicle year

• Car make and model

• Vehicle condition

• Resale value

Proof of Auto Insurance and Income – We offer a wide variety of loans designed to fit your income, lifestyle, and current credit score. That being said, you have to be able to provide us with proof of car insurance and show that you make at least $1,200 a month. It’s important to note, though, that the money you make doesn’t have to come from a job. If you receive disability or retirement income that totals $1,200 or more each month, you will still qualify you for a title loan. Learn more at https://www.theatlantic.com/business/archive/2010/07/auto-equity-loans/59977/

So that’s it! All you need to get a title loan fast is:

 A valid driver’s license

 A vehicle with a lien-free title

 Proof of auto insurance

 Proof that you earn $1,200 or more per month