At Online California Title Loans we strive to help you get the money you need when you need it as quickly as possible. We provide vehicle title loans, also known as pink slip loans, vehicle collateral loans, car title loans, or automobile title loans to people who live in and around Stockton, California. It doesn’t matter where you live in Stockton, California…we service all the surrounding neighborhoods….
WHAT IS A CAR TITLE LOAN AND HOW DOES IT WORK?
A car title loan works like this: Think of it like a home equity loan. You borrow against the existing equity in your car, pickup truck, van, sports utility vehicle, RV, boat, or motorcycle. The lender loans you money and puts their company on the title as the first lien holder. You then make monthly payments on your loan to pay back the auto title loan. Traditionally, auto title loans are used for short-term emergencies or when someone needs cash immediately. There are pro’s and con’s to getting a car title loan. The pro’s are as follows:
- First, you can get money within 24 hours–sometimes even faster
- In many cases you can have bad credit and still get a loan
- You don’t need a lot of income
- You don’t have to work with traditional banks or credit unions who move slowly
- You get to keep driving your vehicle while you have the title loan in place
There are, however, some cons to think about when getting an auto title loan in Stockton. Some of the cons when getting an auto title loan are:
- The interest rate on vehicle collateral loans tends to be higher than traditional financing
- If you do not pay back your loan, you can lose your vehicle to the lender (this is, of course, true of any lender)
How quickly can you get cash when getting a pink slip loan in Stockton?
A common question people ask is how quickly they can get the money they need? Many times people are facing emergencies like medical bills, tuition payments, vehicle repairs, home repairs, or a host of other problems to where they need money “yesterday.” The answer to how fast you can get the money is: It depends on several things. First, you have to have a vehicle that qualifies. If a vehicle does not qualify you can still perhaps qualify for a personal loan. Secondly, you have to get the lender the information it needs so they can make an informed decision. A lender will generally want to know the following: How much income you make per month, the year of the car, the mileage, the make and model, and of course if it is paid off. The lender will generally run your credit score, but low credit scores are okay. If you’ve had a bankruptcy in the past, or a foreclosure, or unpaid medical bills you can still qualify to get money right away.
How do you apply for a vehicle collateral loan in Stockton?
First, the process is quite simple. Just fill out the apply form call us at (209) 395-0071. There is no cost or obligation to call. We can get the process started even if you don’t know all the answers or have all the information handy or available. To begin with if you have the approximate mileage on your vehicle, the make and model that is a good start. Then, the lender will generally ask other questions including your current job status, what your monthly income is, how much money you want to borrow, and the lender may also ask for a few personal and professional references.
Questions you should ask when getting an Stockton auto title loan:
Here are some suggestions for you when getting an auto title loan on what to ask. First, find out how long you will have to repay the loan. The initial person you call on the phone may not know this answer, but a loan processor will. The second thing you should do is ask about the different programs and interest rates they have available.
Advantages of Working With Online California Title Loans:
- A Secure and Simple On line Application Form
- Interest Rates That are Competitive in the Marketplace
- Different Loan Programs
- Loans up to $50,000
- Dozens of Locations in California for your convenience
- A “No Pressure” Support Staff that is Friendly
At Online California Car Title Loans we have a dedicated staff that is determined to help you get the cash you need as quickly as possible. We won’t pre judge you based on your condition. We simply will take the call, collect the information, and help you as much as we can. We will treat every person who calls with respect and courtesy. We have many years of experience between all of us. You will be able to ask us questions.
Why Apply for a Title Loan Online?
You can have confidence that when it comes to getting a car title loan in Stockton Online California Title Loans has created a very detailed and streamlined process.
After you fill out the application, or if you decide to phone us you will speak to a dedicated loan officer. You will work with this dedicated loan specialist to create a repayment plan that will fit your budget and abilities. Once you have gotten approved all you have to do is get your money. If you get the information quickly to the lender quickly, sometimes you can get the cash in the same day you apply. Remember, there is no cost or commitment for applying for a vehicle collateral loan.
Online California Title Loans Pink Slip Loans Get Funded Fast
If you need cash quickly there is no need to delay. Don’t continue to let stress eat away at your day. We have a dedicated phone staff with reps and an office open 7 days a week from early morning until evening. If you call and nobody answers, just leave a message and someone will return your call as soon as possible.
The Best Car Title Pawn Programs are in Stockton!
At Online California Title Loans we have no desire to waste your time. We are only focused on helping you get the cash you need as quickly as possible. You may be in a terrible situation currently with funeral expenses to pay for, medical bills, tuition, or other issues. Just relax and let us take over. Perhaps you could use a nice night out with dinner at Market Tavern.
Don’t forget! Even If You Have a Bad Credit History You May Still Be Able to Get an Stockton Title Loan…
Sometimes people forget that that may qualify for an auto-title loan even if they have bad credit or no credit history. The loan you get will be determined by the fair market resale value of your car, pickup truck, or other vehicle. Your family and you deserve financial peace of mind. Online California Car Title Loans will help you get the freedom you deserve. Call us today at (209) 395-0071 or apply now.
Interesting Fact About Stockton, California
Stockton is the county seat of San Joaquin County located in the central valley portion of the U.S. State of California. Stockton was founded by Captain Charles Maria Weber in 1849 after he acquired Rancho Campo de los Franceses. The city is named after Robert F. Stockton, and it was the first community in California to not have a name of Spanish or Native American origin. The city is located on the San Joaquin River in the northern San Joaquin Valley and had an estimated population of 315,592 as of 2016. (Source: Wikipedia)