Title Loans In Fullerton With Same Day Approval!

Borrow $2,500 Or More With A Title Loan In Fullerton

Getting a title loan in Fullerton is now possible for anyone with a 2012 or newer car or truck! All you need to get approved is a lien-free vehicle, and most customers can qualify for same-day underwriting and funding for a vehicle valued at $5,000 or more.

California Title Loans offers a hassle-free online application and underwriting process, and you don't need excellent credit to qualify. We'll need your requested loan amount, a few specifics about your vehicle, and your income status. Once we underwrite your application, we'll get you pre-approved for a title loan in Fullerton that's based on your vehicle's resale amount, not your credit history! Funds will be sent to your bank account in one business day!

Requirements For A Fullerton Title Loan

In addition to paid off vehicle, we'll need proof of employment with pay stubs or bank records. A few lenders may ask for registration documents from the DMV, and they will want to see that your vehicle is adequately insured with at least $25,000 of liability coverage. Another requirement in Fullerton is to bring your car or truck for a quick inspection to verify its current resale value. During this time, you can also record the VIN and mileage and sign off on your loan docs!

You won't have to hand over the vehicle itself 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.

Car Title Loans In Fullerton With Bad Credit

Since your vehicle's equity secures your loan, there's typically little emphasis on your credit score during underwriting. Instead of requiring a FICO score of 600 or better, your lender wants to know what your vehicle's resale value is in case they ever need to sell it to recoup the initial loan amount.

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.

Repayment Period & Interest Rate For A Fullerton Title Loan

Any title loan company in Fullerton is 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 California, and there's typically a set repayment term for your loan based on your debt-to-income ratio. Do you need to borrow more than $10,000? While this is technically possible in Fullerton, be aware there are no interest rate caps for loans over this amount. You can expect to repay your title loan in 4 to 48 months. Some customers repay their loans quicker, meaning you'll pay less interest!

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. Still, these secured loans can be an option for those with equity in their vehicle who can't qualify for a traditional loan because of poor credit or other income restrictions.

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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