Qualify For A Car Title Loan In San Diego And What's Required

California Title Loans now offers fast funding for all types of vehicles with an online title loan in San Diego! These equity loans allow anyone to borrow upwards of $15,000 with just the collateral from their car or truck. You won't even need a good credit score to qualify, and many licensed lenders can send cash by direct deposit or through ACH just hours after you're approved!

To qualify for a car title loan in San Diego, you need a lien-free vehicle registered in California. You also need proof of income with verification from your employer or bank statements. Sometimes, you can verify income through government benefits, side gigs, or part-time work, but it's always best to show proof of full-time employment.

Some title loan companies will ask for proof of insurance and residency in the form of a driver's license or State ID, and they may want you to complete a vehicle inspection and pass a smog check. The inspection assesses the vehicle's value, which can be completed right before you sign over the car's title to the lender.

Most 2008 and newer vehicles that are fully paid off with low mileage will qualify. However, some companies in California will need a car worth $6,000 or more to qualify for the lowest funding amount of $2,500.  The team at California Title Loans can get you a lending estimate in minutes; we only need your vehicle info, contact details, and requested loan amount to start. We can do most of the processing and approval online, and some customers can show proof of a vehicle by uploading a 1 to 2-minute video online that shows your car's current condition. Call us at 855-339-1001 to see how much you can borrow today!

 

Lending Terms And Interest Rates For Car Title Loans In San Diego

Payment terms for a title loan in San Diego differ based on underwriting standards, but loans are typically offered between $2,501 and $15,000 with repayment terms of a few months to 3 years. Online car title loans in CA for under $10,000 have an annual percentage rate of around 35%. Remember, the interest rate can go significantly higher than 30% if you borrow more than $10,000. California regulations cap the interest rates in the mid-30s for loans under that amount, but there's no limit above $10,000.

A benefit of this secured loan is that you can pay off the balance early without penalties. By doing this, you'll avoid additional finance charges, and the extra payments will save you money on interest while getting the car title back into your hands.

Are you struggling with high interest rates from an existing title loan or want to pay off your loan quicker? By refinancing your loan, we can lower the APR and get you a quicker repayment term! California Title Loans can reduce your rate to less than 36%, and that's a no-brainer if your interest rate is above 40%. Call us at 855-339-1001 to see if you can pay off your title loan quicker with a title loan refinance in San Diego!

 

San Diego Harbor with view of Chula Vista

 

Title Loans In San Diego With Bad Credit

These secured loans are available for anyone who's dealing with credit issues! California Title Loans will connect you with a local title pawn company in SD that cares more about your vehicle's equity versus your credit score! Just ensure you're working with a lender that follows applicable title loan lending laws in California.

Review the contract terms carefully, as there may be high interest rates and other finance charges associated with these car and motorcycle title loans. If the APR or fees are too high with your lender, then it only makes sense to move on and compare rates and quotes with other companies that offer title loans in San Diego.

Do you have a bad credit title loan from another lender? Or are you still paying down the balance on your high interest vehicle loan? In both cases, we can help to reduce the interest rates on your loan, and some customers can see their monthly payment cut in half. Refinancing isn't for everyone, and we can't help you if you've already defaulted on your loan. But why not call us and see how much money you can save by refinancing your loan? We work with anyone in San Diego dealing with interest rates over 45%, and it takes less than 30 minutes to get a quote and payoff estimate with your new loan terms!

 

San Diego Car Title Loans - Apply Online Or With A Local Lender

Several local lenders offer car title loans in San Diego. You can apply directly with California Title Loans to get a same-day quote with fast funding, and we will match you with one of these local licensed companies. Also, look at the many companies offering in-person cash funding. It doesn't matter if you live in Del Mar, Escondido, or La Jolla; countless retail companies provide instant approval where you can get the cash sent by direct deposit hours after approval.

Apply online with California Title Loans to borrow $2,500 or more with your car's equity in San Diego. All newer cars can qualify, and we'll try to get you the highest loan amount possible for the resale value of your car. The collateral from your vehicle will be enough to get you qualified, and some customers can qualify in 24 hours or less with a car, truck, or motorcycle titled in their name and proof of income! Call us at 855-339-1001 to complete an application over the phone!

 

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