Title Loans in Laguna Hills, California
When you need cash quickly, there is no easier solution than a car title loan. These short term loans use nothing but your vehicle title to secure your financing quickly. In fact, when you get a Laguna Hills title loan you can get your loan in just a few minutes and your cash in just a few hours.
Title loans in Laguna Hills are a simple type of short term collateral loan that allow you to use your vehicle’s title as security for the amount you borrow. You keep your car, but your lender holds onto your paperwork, which serves as security for the loan amount. When you pay the loan off, the title comes right back to you.
Title loans in Laguna Hills aren’t like most other loans. They are designed specifically to take care of short term financial needs. Title loans are generally for a few thousand dollars, and will usually give you one to a few months to pay back. They are meant to help you take care of those pressing, immediate expenses so that you can get some more time to get your finances together or make longer term financial plans.
Getting Ready For Your Loan
The car, itself, stays with you when you borrow but because a title loan is so dependent upon your vehicle, it helps to make sure you have all the paperwork ready beforehand. That way, when you apply you can get your title loan estimate immediately, and the loan itself as fast as possible.
The California Department of Motor Vehicles can help you out with that. Using their online portal, you can take care of things like:
- Getting a copy of or replacement for your title
- Renewing your registration
- Updating your address
- Paying outstanding fees against your vehicle
Understanding Your Title Loan
When you get a California title loan, it is important to know exactly what product you are signing up for and what is expected of you as a borrower in return. Start by making sure you are actually getting a title loan. In whole California, including Laguna Hills and Irvine, title loans are to be a minimum $2,500. Anything less than this is a small loan, and is not subject to the same set of rules and regulations.
It is also critical to take a look at your loan details. When you get a title loan, you will also receive a loan agreement that details all the terms of your loan. Look over your loan agreement and make sure that you understand everything. Also make sure that all charges including loan amount, interest, and other fees are disclosed. Report any lender that is not willing to provide this information upfront to the Consumer Financial Protection Bureau.
For help finding the title loan that is right for you, you can always reach out to our team. We work with only the most secure, trustworthy lenders in Southern California, and we can match you with a lender that will meet your personal loan needs in a matter of seconds.
We will also take the time to make sure you understand your loan from start to finish. We will answer any questions that you may have, and do everything we can to ensure that you are completely comfortable in what you borrow. All it takes is one quick phone call and you could be on your way to the cash you need quickly. Give us a ring to get started today.