How Car Title Loans Work In Orange County

Title loans are now available for anyone in OC with a paid off vehicle! These loans are perfect for someone with poor credit who can't qualify for personal loans, and you can borrow up to $20,000 with your vehicle's equity. Some lenders require an in-person visit before verifying the car and other documents before approval.

It's best to contact your chosen lender directly to determine their requirements for applying for a title loan. Even though the laws recently changed limited your funding options in CA, there are still hundreds of locations in the OC where you can apply online and get your cash in person. This includes Huntington Beach, Santa Ana, and Fountain Valley lending offices! We work with companies that can offer fast cash in less than 24 hours if you're pre-approved.

California Title Loans also has an office in Irvine, directly across from John Wayne Airport. You can visit us anytime during normal business hours, and we'll inspect your vehicle and get you a pre-approval quote within hours.

 

Credit Requirements For A Car Title Loan In Orange County

Credit scores typically do not factor into eligibility for title loans. Generally, the only requirement is that you own the vehicle outright and have proof of residence and income. Unlike payday loans, you don't need a decent credit history because your vehicle's collateral is used to underwrite the loan. Companies in Santa Ana, Tustin, and Irvine may factor in your credit history to determine a loan amount, but you should still get approved even with missed payments or recent loan defaults.

 

Huntington Beach Pier in Orange County CA.

 

Time To Pay Back A Car Title Loan

Typically, car title loans are paid back within a few months, and some companies can stretch this period out over a few years. The lender will specify this when your loan is originated, and there's always an option to repay your loan early to avoid excessive finance charges. Online loan companies in Anaheim and other sections of SoCal will allow early payments with no penalties.

Do you need more time to repay your loan, or can you no longer afford the monthly payments? Avoid a title loan repossession and contact your lender to work out a refinance or see if they can lower your APR to 36% or less.

 

Documents Required For A Car Title Loan In Orange County

Unsecured lenders typically require dozens of documents to underwrite your loan. On the other hand, Title loan companies can process an application in one day or less with just your lien free vehicle serving as collateral. That's why California Title Loans works with auto equity loan companies in Fountain Valley and Fullerton that require minimal documentation. You may need to provide your vehicle registration, proof of income, and the title to your car, but that's still far less than what a bank would ask for! To secure a title loan in Orange County, contact us at 855-339-1001 or apply online.

 

Collateral Loans With No Job In Orange County, CA?

There are some scenarios where you won't need proof of employment to get a title loan in the OC. Yes, you need to show some income, and that's required to ensure you can repay the loan. Some customers will send in bank statements or other proof of income, such as social security or disability documentation.

If you can prove your ability to afford the monthly payments, you should have little trouble getting a collateral loan without a job.

 

Newport Harbor in Orange County with Fashion Island in the background

 

Car Title Loans In Orange County - How Long To Get Approved

Most online applications for auto title loans in Orange County can be completed in 10-20 minutes, including coming up with an initial estimate and underwriting the loan. This timeframe can be quicker if you have the documents ready to send in. Some local companies offer cash in less than 1 hour if you meet them face to face.

 

How Do I Repay My Car Title Loan In Orange County, CA?

The repayment terms for car title loans can vary depending on the lender and your specific income scenario. Still, most companies offer flexible payoff schedules that allow you to make fixed monthly payments, or you can pay the total amount early with no prepayment penalties.

Contact California Title Loans at 855-339-1001 or apply with us online to get a same day title loan in the OC!

 

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