THANK YOU FOR APPLYING FOR AUTO TITLE LOAN
Your Auto Title Loan is almost approved. Please call us back to complete your online application &
find out what loan amount has been approved.
You must call to complete the application. Please provide them with your Name & Tel.
The application was received, but there are some things that We must go over with you.
Please call Us at (951) 465-7599 as soon as possible.
LOAN SPECIALISTS DEPARTMENT
Saturday, 8:00 am to 5:00 pm PT
Call us if any questions or concerns.
Unlocking Quick Cash: Essential Documents for a Car Title Loan Application
Car title loans have become a popular option for individuals seeking fast access to cash. If you’re considering applying for a car title loan, it’s crucial to understand the necessary documents required for a smooth application process. In this article, we’ll explore the essential documents you need to have in order to apply for a car title loan and unlock the financial assistance you need.
One of the primary documents you’ll need is a valid form of identification. This can include your driver’s license, passport, or state-issued ID. The lender needs to verify your identity and ensure that you are the rightful owner of the vehicle being used as collateral.
As the name suggests, a car title loan requires your vehicle’s title. You must have a clear and lien-free title, meaning there are no outstanding loans or claims against your vehicle. The lender will need the title to establish your ownership and as collateral for the loan.
Proof of Income:
To demonstrate your ability to repay the loan, you’ll typically need to provide proof of income. This can include recent pay stubs, bank statements, or any other documentation that shows a steady source of income. The lender wants to ensure that you have the means to make timely loan repayments.
Vehicle Registration and Insurance:
In some cases, lenders may require a copy of your vehicle registration and insurance documents. These documents provide additional verification of ownership and demonstrate that the vehicle is legally registered and insured.
Proof of Residence:
Lenders may also ask for proof of residence, such as utility bills or a lease agreement. This helps establish your current address and ensures that you are a resident of the state in which you are applying for the loan.
Some lenders may request personal references, such as the contact information of friends or family members. These references act as a form of additional verification and provide the lender with alternate means of contacting you if needed.
Depending on the lender and specific requirements, you may need to provide additional documents. These can include items like a spare key for the vehicle, a vehicle inspection report, or any other documents that the lender deems necessary.
When applying for a car title loan, having the right documents in order is essential. To ensure a smooth and efficient application process, be prepared with your valid identification, vehicle title, proof of income, vehicle registration and insurance, proof of residence, and references. Gathering these documents in advance will help expedite the loan approval process and allow you to access the quick cash you need in a timely manner. Remember to carefully review the requirements of the lender you choose, as specific document requirements may vary.
Important Disclosures. Please Read Carefully
Persons facing serious financial difficulties should consider other alternatives or should seek out professional financial advice
This website is not an offer to lend. Getautotitleloans.com is not a lender or lending partner and does not make loan or credit decisions. Getautotitleloans.com connects interested persons with a lender or lending partner from its network of approved lenders and lending partners. Getautotitleloans.com does not control and is not responsible for the actions or inactions of any lender or lending partner, is not an agent, representative or broker of any lender or lending partner, and does not endorse any lender or lending partner. Getautotitleloans.com receives compensation from its lenders and lending partners. Regardless, Getautotitleloans.com’s service is always free to you. You are urged to read and understand the terms of any loan offered by any lender and to reject any particular loan offer that you cannot afford to repay or that includes terms that are not acceptable to you. This service is not available in all states. If you request to connect with a lender or lending partner in a particular state where such loans are prohibited, or in a location where Getautotitleloans.com does not have an available lender or lending partner, you will not be connected to a lender or lending partner. You are urged to read and understand the terms of any loan offered by any lender or lending partner and to reject any particular loan offer that you cannot afford to repay or that includes terms that are not acceptable to you.
By submitting your information via this website, you are authorizing Getautotitleloans.com and its partners to do a credit check, which may include verifying your social security number, driver’s license number, or other identification, and a review of your creditworthiness. Credit checks are usually performed by one of the major credit bureaus such as Experian, Equifax, and TransUnion, but also may include alternative credit bureaus such as Teletrack, DP Bureau, or others. You also authorize Getautotitleloans.com to share your information and credit history with a network of approved lenders and lending partners.
Lender’s or Lending Partner’s Disclosure of Terms:- The lenders and lending partners you are connected to will provide documents that contain all fees and rate information pertaining to the loan being offered, including any potential fees for late-payments and the rules under which you may be allowed (if permitted by applicable law) to refinance, renew or rollover your loan. Loan fees and interest rates are determined solely by the lender or lending partner based on the lender’s or lending partner’s internal policies, underwriting criteria, and applicable law. Getautotitleloans.com has no knowledge of or control over the loan terms offered by a lender and lending partner. You are urged to read and understand the terms of any loan offered by any lenders and lending partners and to reject any particular loan offer that you cannot afford to repay or that includes terms that are not acceptable to you. Late Payments Hurt Your Credit Score
Please be aware that missing a payment or making a late payment can negatively impact your credit score. To protect yourself and your credit history, make sure you only accept loan terms that you can afford to repay. If you cannot make a payment on time, you should contact your lenders and lending partners immediately and discuss how to handle late payments. Loan approval and your loan amount are based on lender criteria regarding your credit, the condition of your vehicle, and your ability to make monthly payments. You will be charged an interest rate (APR) of 32%-35.99%, in CA and repayment terms range from 24 to 48 months. The minimum loan amount is $2,501. Applicants in CA will also be charged an administrative fee that ranges from 2 to 5% of the total amount financed. These loans carry high-interest rates, and a lender can repossess your vehicle if you fall behind on your loan obligation. Make sure your lender is licensed by all necessary regulatory agencies. Ensure they have a California Finance Lenders Law License as required by the Department of Financial Protection and Innovation. The chart and financing information shown below is an illustrative examples of the total cost for a title loan. The APR below is calculated according to equal-length installment periods. All loan applications are subject to meeting Lenders’ credit criteria, which include providing acceptable property as collateral. Customers need to demonstrate the ability to repay the loan. The minimum loan amount for a Title Loan in California is $10,600. Not all applicants are approved. The application process could take five (5) minutes to complete. Upon completion, 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 5 PM PST on a business day. The Annual Percentage Rate (APR) is 32.9% with a repayment period between 24 to 48 months. For example, a loan of $10,750 that includes an origination fee of $75, with an APR of 32.9% and a term of 36 months, will result in a monthly payment of $474.14. 2 An automatic payment and interest rate reduction will occur each month up to an overall interest reduction rate of 20%, while your loan meets all of the following eligibility criteria: (1) the loan must be less than 30 days past due at all times, (2) the loan cannot have been modified, (3) the vehicle cannot have been repossessed, and (4) the loan cannot have reached its original maturity date. If at any time the loan does not meet all of the above eligibility criteria, the loan will no longer qualify for any automatic payment and interest percentage point reduction.
USA PATRIOT ACT NOTICE: IMPORTANT INFORMATION ABOUT OPENING A NEW ACCOUNT To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents. If you are using a screen reader and are having problems using this website, please call 951-465-7599 for assistance.
THE CHART BELOW REPRESENTS ILLUSTRATIVE EXAMPLES OF THE COST OF A LOAN TO A QUALIFIED BORROWER. IF YOU HAVE ANY QUESTIONS, OR WOULD LIKE MORE INFORMATION, PLEASE ASK. MAKE CERTAIN YOUR QUESTIONS ARE ANSWERED COMPLETELY. MAKE CERTAIN YOU UNDERSTAND THE TERMS AND COSTS OF YOUR LOAN.
NUMBER OF MONTHS
ANNUAL % RATE (APR)
TOTAL # OF PAYMENTS