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Borrow $2,500 Or More With A Title Loan In Fullerton

Getting a title loan in Fullerton is possible for anyone who owns a newer car! You can be approved with just a lien-free vehicle as collateral, and most customers can qualify for same-day underwriting and funding for a vehicle valued at $5,000 or more. Sometimes, you can get approved if your car is not entirely paid off, but you must own at least 85% of the vehicle's value.

California Title Loans offers an effortless application and underwriting process in Fullerton without a credit check! We'll need your requested loan amount, a few specifics about your vehicle, and your income status to get started. Once we underwrite your application, you can be pre-approved for a title loan in Fullerton based on your vehicle's resale amount, not your credit history! Funds will be sent to your bank account through ACH or direct deposit in one business day!
 

Requirements For A Fullerton Title Loan

In addition to paid off vehicle, we'll need proof of employment with pay stubs, tax details, or bank records. Most title loan lenders in California require registration documents from the DMV, and you need at least $25,000 of liability coverage on your vehicle. Another requirement in Fullerton is to bring your car or truck for a quick inspection to verify its current value. You can also record the VIN and mileage, sign off on your loan docs, and transfer the car's title to your lender! The inspection can be completed in 45 minutes or less, and you have the best chance of getting approved for a large loan amount if you complete the inspection at a licensed lending location in Orange County.

Are you anxious about having to give up your car as security? Good news! You won't have to hand over the vehicle as collateral for the loan. With any title loan in Fullerton, you can keep driving the car, and no lender in California will ask for your keys as collateral. Instead, you need to sign over the car's title to them, and they will serve as the lienholder for your vehicle while you make the monthly payments. Repay your loan on time and don't default, and you'll get the car's title back.
 

Car Title Loans In Fullerton With Bad Credit

Since your vehicle's equity secures your loan, your credit score is typically not given much attention during underwriting. Instead of requiring a FICO score of 600 or better, your lender wants to know your vehicle's resale value in case they ever need to sell it to recoup the initial loan amount.

Apply with California Title Loans, and we'll match you with a local lender in Fullerton who's not worried about your credit history! Yes, they may run a brief credit check, but they'll focus more on your car's title loan value than your FICO score. Does it matter if you have a credit score over 700 and still want to cash out equity from your vehicle? Of course not! In situations like this, you can probably borrow more than what's typical with a standard bad credit title loan, and your interest rate will be much lower!

Repayment Terms & Interest Rates For A Fullerton Title Loan

Any title loan company in Fullerton is subject to state laws that regulate short term lenders. That means they can't charge interest rates above 36% for car title loans under $10,000 in California, and there's typically a set repayment term for your loan based on your debt-to-income ratio. Do you need to borrow more than $10,000? While this is technically possible in Fullerton, be aware there are no interest rate caps for loans over this amount. You can expect to repay your title loan in 4 to 48 months. Some customers repay their loans quicker, meaning you'll pay less interest!

Are you wondering how much money you can borrow with a title pawn in Fullerton? The exact loan amount often comes down to the equity in your vehicle. Resale values for cars and trucks in Southern California are relatively high, and you should be able to pull out 60% or more of your equity with an online title loan. The minimum loan amount for 2025 is $2,500; some customers can borrow up to $20,000 if they have a newer vehicle with low mileage.

Refinancing Options For A Fullerton Title Loan

Title loans have interest rates that can be double those seen with traditional personal loans, and paying off your loan can take years with a high interest rate. California Title Loans offers refinancing plans for anyone with a title loan in Fullerton with rates above 45%. There's no reason to keep paying on your title loan each month if your principal balance is not decreasing. By refinancing, you can cut your payment term in half, and some customers can get a lower monthly payment.

Another reason to refinance your title loan is if you're behind on the monthly payments. Some lenders will offer a loan buyout, which means you can avoid repossession by getting new payment terms and rates on your existing title loan in Fullerton. Reach out to us about refinancing if you're looking to lower your APR or if you want to lessen the risk of a vehicle repossession!

Apply With California Title Loans In Fullerton

Contact California Title Loans at 855-339-1001 for a same-day title loan quote, or apply online to see how much you can borrow with a secured title loan in Fullerton! We'll start your application with just your car's year, make, model, and trim, and you can expect a pre-approval estimate in less than 10 minutes!

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