Title Loans in El Cerrito, California
What would you do if the alternator on your car suddenly went out and you were between paychecks? Or you had to take your child to the doctor and pay for medicine when you couldn’t afford it? What if there was a death in the family and you couldn’t pay for the unplanned trip to attend the funeral? Some people might put these unexpected expenses on their credit card or go to their bank for a loan, but if those options aren’t open to you, you would quickly find yourself in a bind.
Car title loans El Cerrito are made for situations like these. Not everyone’s credit or employment histories are up to the rigorous scrutiny of bank loan officers; many would get turned down flat even for a modest loan. Car title loans El Cerrito, on the other hand, don’t involve a credit check at all and in many cases you can still qualify for a loan even if you aren’t working, as long as you have some form of income. Title loans in El Cerrito use the title to your vehicle as collateral to secure loans. How much cash you get depends on what your car is worth.
Applying for Title Loans El Cerrito
Applying for title loans in San Francisco area is easy. The application process begins online. Simply visit a professional title lending agency like Platinum Lending, LTD, and answer a few brief questions about your vehicle: the make, model, year and mileage. Then provide your contact information so a representative can get in touch with you. You’ll get an instant online title loan estimate based on your responses. Platinum Lending will match your application with a professional and experienced title loan officer in your area who will then call you to complete the application process.
You won’t have to submit to a background or credit check. You’ll finalize the El Cerrito title loan by meeting with your loan representative to provide your photo identification and proof of vehicle ownership, and to let the representative inspect your vehicle. You could easily walk away with the money you need that same day.
Are Title Loans Legal?
Absolutely! Title loans El Cerrito are legal and safe in the state of California. Sometimes called bad credit title loans, they offer an alternative avenue for people who can’t borrow money through traditional lending sources. Title loans in El Cerrito save people from resorting to less-than-ideal measures, including:
- asking family for money
- pawning valuable items
- selling personal things
In California, you can apply for a title loan with a car, truck, motorcycle or commercial vehicle. As long as you own the title to the vehicle in question, you can qualify for a title loan. The best part is you don’t need to surrender your vehicle in exchange for the money. The lender will hold the title as security against the loan and you get to keep using your vehicle every day the way you normally would.
How Title Loans Can Help
Banks and credit unions often make you justify your reasons for taking out a loan with them. The title lenders in the Platinum Lending aren’t interested in getting that personal. You’re free to use the money in any way that you need to, including:
- paying down personal debt
- meeting emergency expenses
- going on vacation
- buying a new car
- getting your home renovated
Your lender only wants to make sure that you get the money you need and have a repayment plan that you can afford. Start your online application today and see how much money you can walk away with.