FAQS: We Answer Your Most Frequently Asked Questions

 

What is a car title loan? How does it work? These are just some of the questions our clients come to us with. We’ll answer your questions and provide the information you need! If your questions aren’t answered here, free feel to give us a call at (916) 800-7816  and a loan officer will answer any questions you may have about the process!

Who is Title Loans Sacramento?

We are a title loan company whose mission is to aid those who need guaranteed, short-term loans. Car title loans are typically less complicated and quicker as opposed to home equity loans. We are even more consistent than payday loans.

 

What is a Car Title Loan?

A car title loan is a short-term loan that is based off of the equity of your vehicle. Car Title Loans Sacramento creates an opportunity for your to receive a loan using your vehicle as collateral. So even though you’ll have a lien on your car, you’ll still be able to keep it and drive it. Once your loan is paid, we’ll return your vehicle title and your vehicle will be release from the lien. Car title loans are often referred to as pink slip loans, vehicle title loans, auto title loans, or title loans.

 

How Do I Qualify For A Car Title Loan?

1. Your vehicle will need to be newer than 1999 and must have a market value of at least $2500.00.

2. You must be at least 18 years old.

3.  You must be the sole owner of your vehicle.

 

What Kind of Paperwork Do I Need?

  • Your car vehicle title
  • Insurance papers
  • A California driver’s license
  • Proof of income

These papers are to help us know that you are the sole owner of your vehicle. After you turn in your documents to us, you’ll be well on your way to receiving your cash loan!

 

How Much Money Could I Get?

The quantity you can receive relies on the market value of your car. How much money you are able to borrow against your auto varies in depending on the cost of your vehicle. Different things such as the make, model, year, mileage and also the state of your vehicle makes a difference in its market value. Our loan officers will be able to provide a quick quote on the phone. This quote is available to you free of charge. Go ahead and phone us at (916) 800-7816 to see how much you can get today!

 

Will I Be Able To Drive My Car?

Absolutely, you’ll get to keep your car and drive it. Even though there is a lien on your car, you will still be able to do everything you need to do with it in your possession. Although we hold the vehicle’s title, we will return the title to you once your loan is paid off.

 

What If I Have A Low Credit Score or Have Declared Bankruptcy?

Low credit scores and bankruptcy doesn’t necessarily disqualify you. Unlike traditional bank loans, our car title loans are not based on your credit score or your financial history. Instead, the loan is completely based on your vehicle’s equity value. We can help you get the funds you need with a car title loan.

 

 

How Long Will the Loan Take to be Approved?

Title Loans Sacramento can approve your loan in just 15 minutes! Have all your paperwork ready and we can help you get finished with the loan process!

 

How Long is the Loan Term?

The duration of your loan will be based on your unique payment plan. Many valued customers choose to pay off the loan in just a few months while others will opt for a three year plan.

 

What Do I Need to do if I’m Unable to Make a Minimal Repayment?

If you are struggling to make a minimum payment by your deadline, get in touch with us at (916) 800-7816 and we’ll work something out for you.

 

 

Could I Pay Back My Loan Early?

Yes, anytime you end up paying off your loan earlier it will save you more money! There is no penalty for paying off your loan early.

 

How can I switch my deadline?

In case you cannot make a payment by your due time, give us a call at (916) 800-7816 so that an extension can be processed.

 

How to Completely Pay Off the Loan?

To fully pay off your loan, simply phone (916) 800-7816 to assist you in a loan payoff. You can repay your vehicle title loan whenever. Title Loans Sacramento will not penalize you when it comes to loan pay-offs and prorate an individual’s payment total.

 

Is My Information Secure?

Yes, we take your privacy and information very seriously.

 

APPLY ONLINE NOW!

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Find Us

Title Loans Sacramento

1215 K St. #1290, Sacramento, CA, 95814

Phone: 916-800-7816