Title Loans in La Mirada, California
Personal loans are harder and harder to acquire due to the qualifications banks have identified. For those of us with a poor credit score, the inability to get a personal loan will deepen our debt. However, California title loans in La Mirada and Anaheim are available to any applicant, despite their credit history and rating. Best of all, the loan you are given may amount up to $25,000, which only depends on the current value of your vehicle. Banks will never be able to guarantee you a loan amount that high with bad credit! Allow us to give you that opportunity and get a La Mirada title loan today!
Free and Non Obligatory Application
The only thing we require our applicants is to be 18 years old or older. Other than that, you are free to apply for a La Mirada title loan with us. Granted, you do have to have a vehicle title to get a loan. To get started on this process, you will need to submit an application online, or provide us that information over the phone. Our highly-skilled loan representatives are standing by 7 days a week, awaiting your call! After you give us this information, we will be able to calculate a loan amount that is appropriate to your vehicle value. We will let you know of this amount, documents you must bring with you to the title loan store, and the location of said store. Some documents you may bring include:
- Photo ID (State ID, Driver’s License or Passport)
- Proof of income (Recent bank statements and/or pay stubs)
- Proof of insurance (Full coverage insurance only required for loans greater than $2,500)
- Proof of residency
- Vehicle Title
They will also inform you that the vehicle must be present when you go sign the contract and pick up your loan. The title loan lender has to do one last inspection of the vehicle. The condition your vehicle is in can affect the loan as well, and the initial title loan estimate you were given may change. Regardless, you will receive a loan that best fits your needs, and is also affordable that same day!
Information About Title Loans
The entire process of getting a title loan is free, unless you receive a loan greater than or equal to $4,999. There will be a processing fee of $75 if that is the case, on the other hand, a loan less than that value is completely free. The loan amount you receive is based off of your ability to pay and the current market price of the car you own. Our lenders will guarantee you competitive and affordable rates.
Title loan lenders are licensed in the state of California, and are required to operate fairly. They are also required to provide full disclosures on the contract you receive. Your lender must make you aware of these before they have you singing the document. The disclosures can include the payments needed from you, when they are due, additional interest, defaulting a loan, right to cure, and complaint hotlines just in case you need to file a complaint against your lender.
Your lender will also inform you that you are allowed to pay off your loan earlier than the scheduled date. The only time payment is a problem is if you make a late payment or have missed it completely. You are allowed to communicate with your lender, so if you think you will be late on a payment, just let them know. If you do not, then, your title loan lender may consider vehicle repossession since you have defaulted the loan.