What is a title loan?

A title loan allows you to offer the title of your car (or other property) as collateral for a short-term loan. Our minimum for car title loans is $2,510. The best thing about a car title loan is you to keep and drive your car while you are paying off your loan.

How long does it take to get a title loan?

Depending on your unique situation, we may be able to get you the loan you need in minutes.

What is the minimum amount we can lend?

Our minimum loan amount is $2,510.

How much does my car need to be worth?

The car needs to be worth at least $3,500 to be approved for the minimum loan amount. There might be some instances where we can make an exemption. Please call us so we can deal with your unique situation.

Do I have to be a California resident?

Yes, customers need to show proof that they currently reside in the State of California if we are doing the loan.

Can I still drive my car while I have a loan with 1 800 Title Loans?

Absolutely! The best thing about a car title loan is you get to keep and drive your car.

Who doesn’t qualify?

Anyone who is regular or reserve member or dependent or spouse of a regular or reserve member of the Army, Navy, Marine Corps, Air Force or Coast Guard , serving on active duty under a call or order that does not specify a period of 30 days or fewer.

Is there a pre-payment penalty?

No there is not, we also recommend that you pay more than the required monthly payments so that you can pay off your loan sooner and pay less in interest.

How long does it take to process a title loan?

We offer a simple, fast and easy process for acquiring a car title loan. If your vehicle is approved, you can be in and out of our location in as little as 15 minutes with the cash you need.

Do we charge anything to the customer to see if they qualify for the loan?

No. We can get you a free quote and estimate the value of your vehicle if it qualifies for a car title loan.

How do we fund the loan?

Your money will be ready in a matter of minutes after your loan is approved. We fund your loan in a form of a check.

Does the customer have to go to the DMV?

No! We’ll make it easy for you. We will take care of all DMV paperwork. All you need to do is come in and bring all the necessary documents to approve your loan and we will take care of the rest.

How long do we normally write the loans for?

Our loans typically range from 12 to 44 months.

Do we lend on classic cars?

We typically don’t but we treat this on a case by case basis.

Does my car need to be paid off?

Not necessarily but in most cases it does. We will look at each loan on a case by case basis. You have our full commitment to helping you with your individual situation.

Do I need to be currently employed?

We can do the loan as long as the client can demonstrate the ability to repay.

Can I be on disability or retirement?

Yes. As long as you can demonstrate the ability to repay.

I don’t have full insurance coverage; do I really need it to qualify for a loan?

Full coverage insurance is required on all our car title loans.

I know my car will qualify for a car title loan but I only need $1,500, can I still get a loan?

Our minimum loan amount is $2,510.

I have a car title loan with someone else; can I refinance and get a better rate and/or get additional money out?

Yes you can. We can do either or both depending if your title loan was done correctly by your current loan company and if the vehicle is still in good shape. Let’s run your vehicle and look at your balance and we’ll do the best we can to help you out.

What is the interest rate on the loan?

The interest rate will vary depending on your situation but it will never be higher than 8% monthly. We will do our very best to offer you the best rate possible.

I recently filed for bankruptcy but I have a job, can I still get a title loan?

You can if your bankruptcy has been discharged. If not, unfortunately we won’t be able to fund you a loan.

I just got into a car accident and I need around $500 to get my car fixed. I need it to commute from home to work; can I get a title loan?

Unfortunately we do not do loans on vehicles that are not running or not in good condition plus the minimum loan amount for car title loans is $2,510.

There is another person in the title of my vehicle; do they need to be present in order to get a car title loan?

It depends, if the title says your name and “and” another person then yes but if says “or” then they don’t have to.

I live in San Diego (or somewhere far and out of area), can I get a title loan with you?

Absolutely, we do title loans for any one that resides in California. Let’s take a look at your vehicle and give me your zip code and I will contact our affiliates and see if any of them can help you out.

I already have a title loan with another company, can I refinance with 1 800 Title Loan?

Absolutely. We are dedicated to helping our customers get the low interest rates that they need. If you already have a loan but are concerned about your interest rate, call 800-848-5356 to see what 1 800 Title Loan can do for you.

To learn more, speak with a member of our experienced team today.