Online Car Title Loans In Fresno California!

Same Day Car Title Loans In Fresno

Are you looking for a car title loan in Fresno but unsure how to apply or how much your vehicle is worth? At California Title Loans, we've offered access to Fresno title loans for years, and we can get you approved and underwritten in less than one business day! You don't need a good credit score to get approved, and applicants can qualify for 24 hour funding with just a paid off vehicle and proof of income.

The requirements for a title loan in California are straightforward. You need a paid-off vehicle that shows you as the sole lienholder with no cosigners or other lenders who can claim ownership of the vehicle. You must verify monthly income(at least $1,500 a month) through employment records or pay stubs, and we'll need proof that the car is insured and registered in California. Some lenders will request an inspection for title loans of $5,000 or more, and you will always need to verify your identity with a driver's license or state-issued ID.

Apply Online Or With A Local Title Loan Company In Fresno

Getting a car title loan is fast and easy when you apply online or over the phone at 559-597-5430 with California Title Loans. We need some quick information about your vehicle and your employment situation, and based on that, we'll formulate a quote based on your vehicle's value. Your estimate will show the APR and expected repayment term, and we can offer a few different monthly payment options for your budget.

For anyone who wants to apply with a local title loan company in Fresno, that's no problem either! California Title Loans just opened our newest location in Suite 124 at 4747 N First St, Fresno, CA. Customers can meet with us in person and complete a vehicle inspection and sign off on their loan during the same visit. Best of all, we have different funding options available throughout Fresno. Your funds can be sent to your checking account immediately after you are approved, and you can always request a check or pick up the money in person.

Benefits Of A Car Title Loan

- Car title loans allow you to borrow up to $25,000; your loan underwriting is primarily based on your vehicle's equity.

- California Title Loans can take your application online, over the phone, or you can apply in person at our Fresno location.

- Refinancing can lower your interest rate! The APR for title loans in Fresno is capped at 36%, and a quick refinance can save you considerable money.

- No in-depth credit check is required; your vehicle is the collateral. Don't worry about your FICO score if you have equity in your car, truck, or SUV!

- Flexible payment options are available through direct deposit or ACH from your bank account. You can repay your loan over 12 to 48 months.

- You decide when to repay your title loan. In California, there is typically no pre-payment penalty.

How Car Title Loans Work In Fresno California

Car title loans are vastly different from unsecured loans, as you're using your car title as collateral for a loan. While you may have been turned down for a personal loan because of bad credit, that won't matter when you apply with us. As long as you have a lien-free car title, you stand a good chance of qualifying, and loan amounts in Fresno range from $2,500 for low-value vehicles up to $25,000 for well-qualified cars and SUVs.  Borrow 40% to 65% of the appraised vehicle value, with more in some cases, but remember, the more you tap into your vehicle's equity, the more you'll end up paying back over the repayment term. Title loans are expensive, and the interest rates can catch up with you if you only pay the minimum monthly payment. Call California Title Loans at 559-597-5430 to learn more about our lending options in Fresno. If you're ready to get started on the application, we can get a quote in minutes!

Getting A Car Title Loan In Fresno Is Fast And Hassle Free

When you work with California Title Loans to get an online title loan, we can approve and process your application in hours! Your money is usually sent to your bank account within 24 hours of the final approval. This is also an excellent time to compare your terms with other companies when searching for a loan.

You should be able to complete most of the document signing and vehicle verification online, and the underwriting can be completed in less than three hours. After that, you'll schedule a time to pick up the loan proceeds in person, or you can have the funds sent to your checking account.

What Else To Know About Auto Title Loans

Only borrow the amount that you need with a car title loan! The interest rates are higher than those on a credit card or auto loan(some companies charge 36% or higher for loans over $10,000 in Fresno), and you can fall behind quickly if the loan amount is too high.

Also, read all terms of your loan documents and compare the payoff amounts and APR to those of other licensed financial companies in Clovis or Central Fresno!

Stay in touch with your lender if you're worried about defaulting on the loan. No one wants to deal with a potential vehicle repossession as it costs a lot for your lender to take the vehicle and sell it at auction. There's a good chance your lender will offer to reduce the APR on your loan and get you back on track with the monthly payments.

Apply With California Title Loans For A Title Loan In Fresno!

If you're looking for a way to borrow cash and don't have good credit, a title loan could be right for you! Complete the California Title Loans online application or call us in Fresno at 559-597-5430!

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