(800) 250-6279PREMIER TITLE LOANS OFFERS TITLE LOANS IN IRVINE
Apply online now or call us at 800-250-6279 to check your vehicle’s value
Use Your Vehicle's Equity To Borrow Cash In Irvine
At Premier Title Loans we make it easy to get a title loan of $2,500 or more. Start with our online application or call us at 800-250-6279 to see how much your vehicle is worth. We offer pre-approval on auto title loans in Irvine to borrowers with a paid off vehicle!
How The Car Title Loan Process Works In Irvine
Using your vehicle’s equity as collateral is one option to get quick cash. Unlike traditional personal loans, the underwriting process focuses mostly on the vehicle’s resale value rather than your credit history. Loan amounts start at $2,500 for applicants in Irvine and are mainly based on the resale value of your car, truck, or motorcycle. Many makes and models of newer vehicles can pre-qualify as collateral if they’re titled in your name.
Applying for a title loan is straightforward, and Premier Title Loans can provide you with a fast pre-approval estimate for your vehicle’s value. Call us at 800-250-6279 or apply online to see how much you can borrow with a loan based on the equity in your car.
Which Vehicles Qualify As Collateral
Most cars, trucks, vans, and SUVs qualify for title loans in Irvine. That also includes motorcycles and semi trucks. Most types of motor vehicles that can be titled can be used as collateral, and you can expect a quick underwriting process when the car’s title and paid off and free of any liens.
In most cases, the vehicle’s value determines your loan amount, and you can borrow up to 30% of its value. The only way we’ll be able to know the exact value of your vehicle is with an in-person inspection that occurs right before you agree to the lending terms. The inspection takes around 30 minutes and can be completed anywhere within Orange County. During this time, your vehicle will be inspected for cosmetic and mechanical issues, and you will be let know exactly how much you can borrow.
Documents Needed To Apply
-Proof of income showing sufficient cash coming in monthly.
-Proof of California residency and government-issued photo ID.
-The title to your vehicle. There can’t be any active liens or cosigners on the title.
-Proof of valid insurance with up-to-date registration documentation from the DMV.
By submitting these documents, qualified vehicle owners in Irvine can receive cash within 1 to 2 days, with a loan amount starting at $2,500. That timeframe can be quicker if get cash from a local lender. Some retail lenders offer cash in as quickly as one business day if you meet them in person.
Car Title Loans In Irvine With Bad Credit
Title loans for applicants with many different types of credit scores, including those who may not qualify for an unsecured personal loan. With these loans, you can get the cash you need without stressing about a credit check or past loan delinquencies. A title loan relies more on your vehicle’s resale value and less on your payment history or past credit mistakes. The more your car or truck is worth, the higher the loan amount you can expect without a lender checking your FICO score.
At Premier Title Loans, we ensure that every qualified customer who applies online is pre-approved for the best available rates, without an extensive credit check. Yes, we may verify your income and identity, but your credit history takes a back seat to the equity in your vehicle during underwriting.
Refinancing An Existing Title Loan With Premier
Do you have a high interest loan with another title loan company in California? Or are you looking for a company that can buy out or improve the terms of your current loan? Refinancing and buyouts are available with Premier Title Loans, and we’ll work to secure the best deal for you in Irvine. Our team will review your loan terms and provide a quote for refinancing or buyout to reduce your interest rate or shorten the repayment term.
Don’t hesitate to contact us for a quick refinancing quote and estimate. With new payment terms and a lower interest rate, you may avoid having your vehicle repossessed.
What Borrowers Should Keep In Mind About Title Loan Terms
Car title loans are a convenient way to get emergency cash, allowing you to continue driving your car while making loan payments. Most auto equity loans issued for under $10,000 in California do not require GPS tracking, and you won’t need to give up day-to-day use of the vehicle as collateral. Other benefits include:
-No pre-payment penalties, which means you can pay off the loan early without extra fees or early payoff penalties.
-Most lenders don’t run a traditional credit check, so applying won’t necessarily impact your score.
-You can get pre-approved fast with a local lender in Irvine. Even if you apply online, some companies in Orange County can wire the funds to your bank account as soon as one business day.
–California Title loans sometimes have lower interest rates than you would expect. Rates on California title loans of $2,500 to $10,000 are capped at 36% plus the federal funds rate.
Apply Online With Premier For Title Loans Online In Irvine, CA
Premier Title Loans is here to help you find the best interest rates and payoff terms for an auto title loan in Irvine, CA. There are minimal credit requirements, and we can get you pre-approved quickly once you submit your vehicle details. Apply with the form on this page or call 800-250-6279.