Car Title Loans In Fullerton With California Title Loans

It's easier than you think to get a title loan in Fullerton. All you need to get approved is a lien free vehicle, and most customers can qualify for same day underwriting and funding with a vehicle worth $5,000 or more.

California Title Loans makes it easy to get approved online, and the best part is that you don't need excellent credit to qualify. We'll ask you about the loan amount you're looking for, a few specifics about your vehicle, and your income status. Once we underwrite your application, we'll look to get you pre-approved for a title loan with funds sent to your bank account in one business day!


Requirements For Fullerton Title Loans

Other than a vehicle in your name, we'll need proof of employment with pay stubs or checking account statements. A few lenders may ask for registration documents from the DMV, and they will want to see that your vehicle is adequately insured and that it's passed a recent smog check.

One thing you won't have to do is hand over your car as collateral for the loan. With any title loan in Fullerton, you can keep driving the vehicle, and no lender in California will ask for your keys as collateral. Instead, they'll want you to sign over the car's title to them, and they will serve as the lienholder for your vehicle while you make the monthly payments. Repay your loan on time and don't default, and you'll get the car's title back.


Credit Checks For Car Title Loans In Fullerton

Since your vehicle's equity secures the loan, there's typically little emphasis on your credit score when underwriting a loan. Instead of requiring a FICO score of 600 or better, your lender wants to know what your vehicle is worth and how much money they can sell it for if you ever default on the payments.

Apply with California Title Loans, and we'll match you with a local lender in Fullerton who's not worried about your credit history! Yes, they may run a brief credit check, but they'll focus more on your car's title loan value than your FICO score.


57 Freeway in Fullerton CA


Repayment Period & Interest Rate For A Fullerton Title Loan

Any lender offering title loans in Fullerton will be subject to state laws that regulate short term lenders. That means they can't charge interest rates above 36% for car title loans under $10,000 in CA, and you typically have a set term for when you can repay your loan. While each lending term differs, you can expect to repay this loan in 4 to 36 months. Some customers repay their loans quicker, meaning less interest and a quicker payoff time!

Are you wondering how much money you can borrow with a title pawn in Fullerton? The exact loan amount often comes down to the equity in your vehicle. Resale values here in Southern California are relatively high, and you should be able to pull out 60% or more of your equity with a title loan. The minimum loan amount is $2,500; some customers can borrow up to $20,000 if they have a newer vehicle with low mileage.

Contact California Title Loans to get a real-time estimate of your vehicle's worth and what you can expect to get with a title loan online.


What Else To Know About Fullerton & Why You Should Consider A Car Title Loan

Fullerton is one of the largest cities in Orange County, with a median household income of just over $99,000. While that amount seems high compared to the rest of the county, it's pretty low when stacked up to other cities in Orange County. A more significant reason for this is that Cal State Fullerton is within the city limits, and many of its students are counted in the official city population. Most college students will not need a title loan, but these secured loans can be an option for those with equity in their vehicle and can't qualify for a traditional loan.

Another reason car title loans are popular in Fullerton is that the cost of living and home prices are incredibly high. These higher home values mean it costs more to rent, and as of 2024, the average rent comes in nearly double what's typical across the county. Homes cost well over 1 million in areas of Fullerton like Sunny Hills and Coyote Hills, and we hear from customers in those areas all the time who are looking to borrow money with a collateral loan.

Contact California Title Loans at 855-339-1001 for a same-day title loan quote, or apply online to see how much you can borrow with a no hassle title loan in Fullerton!


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