Title Loans in Lodi, California
Personal loans may be a hassle to obtain, especially if you do not have the credit required to be approved. However, we will be able to offer you fast cash by getting you a title loan in Lodi. These agreements will get the most out of the vehicle you already own and may be able to approve you for a loan for up to $25,000! All that matters to our lenders is the vehicle’s current market value, despite your credit history, they will offer you competitive rates and plans to help your financial situation! For more information about California title loans, just fill out a form and we will get back to you with a free title loan estimate, and assistance to get the loan!
How to Get a Title Loan in Lodi
First and foremost, you must have a vehicle that is completely paid off. Whether you bought it from a dealership or a private seller, you must be the undisputed owner of the vehicle. In addition, your title must be clear and lien-free. Next, you can fill out an application with us through our website, which is also mobile-friendly, or you can provide us the same information over the phone! All we need from you is your vehicle make, year, model, mileage and style, and with that we will get you a free loan evaluation. Our loan agents are available 7 days a week to assist in this process, and will also be able to tell you any needed information about documents you may need to bring, and, a location for a lender who is close to you.
- Must be 18 years old or older
- Must have a vehicle title
- Proof of income may be required by some lenders
- Proof of insurance may be needed; full coverage required for loans exceeding $2,500
- Proof of residency
There are several benefits of getting a title loan, some of them include:
- No credit required
- Instant online approval
- Affordable rates and plans
- Early payments
- Instant cash
Loan Contract and Federal Disclosures
Each title loan lender must provide full disclosure on their contracts. All information you provide the title loan lender, and the contract itself, is kept confidential. Unlike banks, our lenders will not sell your information to other third parties. Furthermore, when it comes to your contract, the information provided will include:
- Annual Percentage Rate
- Finance Charge
- Amount Financed
- Total of Payments
- Payment Schedule
- Late fees
The contract will also inform you on chances vehicle repossession. Most lenders are lenient when you tell them you may be late on payments. However, if you do not speak with your lender about the possibility they can state that you have defaulted on your loan. When you default a loan, you have either missed payments, or have made late payments without consulting your title loan lender. When this happens, your vehicle will be repossessed. You can avoid repossession by paying what you owe in full. However, if you are unable to do so, your vehicle may be sold to pay off your loan. Whatever amount is left will be refunded to you, however, if you still owe money you are responsible for paying the rest off.
If you are involved in a title loan contract with another lender, you can speak with our loan agents about refinancing options. Most lenders will offer to pay off your current loan, and reinstate a new loan through their company. The loans have less interest rates and are more affordable.