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Car Title Loans in Culver City

Car title Loan FAQ

How do title loans work?

Title loans are a way to get a loan by using the money you have already invested in your car. When you have finished paying on your car, you have a paid off asset. Some people want to use that to secure a loan. This means that you still hold on to the vehicle but you place our company on the title to secure the loan in case of default.

How old do you have to be to get a title loan?

Legal age of 18.

How do interest rates work on title loans?

Interest rates are monthly which means you will take the principal and multiple that by the interest rate and that amount is your fee for the month for the money. This is just interest and does not include paying against the loan amount itself. The rate is 7.5% on loans above $5000 and 8% on loans below that number.

How long do I have to pay off the loan?

We give you up to 3 years to pay it off.

I only need the loan for a month or so. Does that change anything?

Since the interest is monthly, you only have to have the loan for a month. Pay it off anytime and there is no prepayment penalty.

How easy is it to get a title loan?

Very easy. Car Title loans is fast because all the qualifying for the loan takes seconds, not hours.

What documents are needed?

• Copy of your drivers license
• Original Title
• Insurance
• References
• Proof of residence (verify where you live)
• Proof that you have some income of at least $1500 a month

Is it faster to drive into your location first?

No, actually not. The fastest way is to apply online and then call us once we have all the information in hand.

What other types of title loans are there?

There is auto pawns which make you leave your car with the lender. We do not do those.

Do I have to have a job?

You have to have income of at least $1500 a month but you can be self employed or retired. You just have to show you have the ability to pay the loan back.

What about my credit? It’s not that great. I need a bad credit personal loan now.

We know that people are taking a beating with their credit lately because of the economy amongst other things. This is just one reason why we actually expect bad credit applicants and welcome them to our company for a title loan.

Does my car need to be paid off?

We can pay off the remaining balance from the current lender should you have this issue.

My car is registered in another state. Can I still do this?

No, you must have your car registered (titled) in the same state where you live and where you get he loan. If the car is titled in another state, you have to get this changed before you can get a loan.

Can I get a loan based on two cars combined to get more money?

No, we only give one title loan per vehicle.

I am behind on my bills. My mortgage is behind and more. Does this hurt me?

This will not hurt you and actually a title loan can help repair your credit by giving you a loan when you have bad credit, by paying it off on time, you improve your rating.

I have a car title loan with someone else. Can you help with this?

Absolutely. This happens every day. People can AFFORD our loans and they ask us to pay off their current title loan and get a new one at a better rate with us. You bet!

Do I have to have a bank account?

Only if you are self employed; otherwise no.

Do I have to mess with the DMV?

We do all the DMV work ourselves so you don't have any more time wasters to get this done.

   

* Year:

* Make:

* Model:

* Style:

* Approximate Mileage:


* What state is your vehicle registered in?


* = Required




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