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Ever wondered how the car title loans process really works? Well it’s easier, faster and more convenient than you might think. And you keep your car the whole time. The way a title loan works is you are extended credit based on the amount of equity available in the car. For example, if your car’s current value was $15,000 wholesale and you only owed $1,000 then you would have equity in the amount of $14,000. This gives us leverage to offer you that equity as cash while we hold a lien against your car’s title. It’s that simple. You get to keep your car and continue driving it while paying back the loan at a rate that you can afford. And, you get the lump sum of cash that you need right now. You can do anything you want to with the money: payoff credit card debt, house expenses or student loans. Whatever you need to do with the cash- it’s right there sitting in your driveway!
And, getting a title loan is so easy. In fact, we have simplified the process to ensure your title loan experience is efficient & painless. It’s just 3 steps and we can have money in your hands today! Car title loans are easy to qualify for because you are using the money you have already put in your vehicle to secure a loan today. You are not selling the car to us, just using the vehicle’s value as your ticket into a loan. Also, if your credit isn’t as high as you might need to qualify for a private bank loan- having the car as collateral will allow us to help you out even with poor credit.
What’s The Difference Between a Personal Loan & a Car Title Loan?
There are many types of loans for personal use, but the difference is a car title loan is considered secured because it is backed by collateral- your car. A personal loan can be used for just about anything, whether it is emergency cash to help pay medical bills or other expenses, or cash for traveling. Common personal loans include: debt consolidation loan, emergency cash loan, installment loan, interest only loan, line of credit, refund anticipation loan, secured personal loan, single payment loan, unsecured personal loan. So how can you choose which type is best for your situation?
A secured personal loan is most similar to a car title loan in that it’s a loan or credit transaction in which the lender acquires a security interest in collateral (your car) owned by the borrower and has the right to foreclose or repossess the collateral should the borrower default. The terms of the transaction between the lender and the borrower are determined by a contract or security agreement. For instance, a person who purchases a vehicle on credit would have to surrender that vehicle to the lender if the borrower failed to make payments on the loan.
With secured personal loans, borrowers can access more competitive interest rates at lower prices because there is less risk to the lender that the borrower will default on the loan. Borrowers interested in secured personal loans or a car title loan, have to put vehicles, properties and other types of collateral down on the loan, which acts as incentive to encourage them to pay back the lender. Some borrowers will be able to obtain unsecured personal loans that don’t put any of their property at risk, but they will pay higher interest rates.
Secured personal loans are for people who require substantial financing for personal reasons, including paying off debt, purchasing materials for housing repairs, buying furniture or redecorating, traveling, and many other purchases and activities. A secured personal loan allows borrowers to buy what they need at cheaper financing.
Get Started Today!
Now that you understand how car title loans work, come visit us in Westminster near Huntington Beach, California and get back on the road! Visit us at 15182 Goldenwest St., Westminster or call (949) 566-8170 right now for a quick consultation. We also offer simple online forms that you can email in for a free, no obligation quote. We can answer all your questions, instruct you how to fill out the paperwork and help you feel at ease about your decision.
Got questions? Visit us at www.titleloansorangecounty.com/faq
Car Title Loan Amounts
Sample offering of typical car title loan amounts on certain model cars
Year of Car Make of Car Model Trim Typical Loan Amount
2006 Toyota Corolla LE Sedan 4D $7,000 to $7,500
2007 Acura RL 3.5 Sedan 4D $16,000 to $17,500
2006 Nissan Maxima GXE Sedan 4D $4,000 to $4,500
Disclaimer: loan amounts may vary depending on market conditions, credit, condition, mileage, and other.