Fast & Easy Title Loans In San Francisco!

You have plenty of options to get a car title loan in San Francisco, and no matter how you apply, you should be able to qualify for cash in 24 hours. You can apply with a national lender online or walk into any local lending stores throughout the city. Another option is to fill out the California Title Loans online form, but before you consider auto title loans, you should know a few things.

How Car Title Loans Work In San Francisco

First, auto title loans are secured loans backed by collateral from your vehicle. It's quick and easy to get approved because you're putting up the equity from your car as security, and you pay off the loan balance over a few months to 3 years. The lender can take your car if you can't make the payments. So you need to fit the payments into your budget before committing to the lending terms. The collateral you as security is often used to determine the loan amount. You can borrow 40% to 75% of the vehicle's current value for most title loans in San Francisco.

Second, auto title loans typically have higher interest rates than other types. Remember, lenders in California are limited by recent legislation, and most companies cap rates at 36%. But there are still some scenarios where you can see much higher rates. Because of that, it's important to compare rates from different title loan companies before you sign on the dotted line. Ensure you understand all the fees associated with the loan because once you sign the contract, you will owe the amount lent out!

Third, auto title loans in San Francisco are meant to be short term solutions to resolve financial issues. These pink slip loans can last for months or even years if you don't make double or triple the payments and that ends up costing a huge amount when the interest rates are so high.

Title Loans In San Francisco With Bad Credit

One of the best things about San Francisco title loans is that you can get approved even with bad credit. Online title loans use a paid off vehicle as collateral and a lender focuses more on the equity in your car versus your credit rating.

Expect a finance company in California to at least run a quick credit check to confirm your identity and other information. But there won't be much of an issue if you have missed credit card or loan payments in the recent past or if you default on your credit report. A licensed lender in San Francisco primarily focuses on a past bankruptcy or if you currently have a title loan with another lender and are looking to refinance.

Apply Directly Online For A Title Loan In SF

The process to get an online title loan in San Francisco is straightforward. Get started by completing the California Title Loans online application. All we need is your vehicle information, personal details, and the requested loan amount. With that, we'll put together a quote for you that details your loan amount and repayment terms. If everything looks ok, you can finish the underwriting in just a few hours! Complete the vehicle inspection, sign your contract, and then get your cash from a local lender in San Francisco!

Is An Inspection Required For San Francisco Title Loans

An inspection is often part of the qualifying process for a typical title loan. While these loans don't require good credit, we typically need to see the vehicle and confirm that it runs and looks as advertised. Your lender will also want to verify the odometer reading, VIN, and other mechanical details.

A typical inspection will take less than an hour and you can meet with an appraiser at a retail lending location in SF. After you pass the inspection you'll be that much closer to getting your cash!

Fast Funds With California Title Loans In San Francisco

Online title loans in San Francisco may be a good option if you need emergency cash and don't want to go through the hassle and time of working with a traditional finance company. Here at California Title Loans, we can get you access to cash in a few hours. Contact our lending agents at 855-339-1001 anytime during business hours to find out your vehicle's value and estimated loan amount!