We offer bad credit title loans! Apply below or call us at 800-250-6279.


Apply with Premier Title Loans to cash out equity from your vehicle. Anyone in Sacramento with a paid off vehicle and proof of income can qualify for fast funding in less than 24 hours. We offer title loans up to $25k in CA

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    Get A Title Loan In Sacramento With Premier Title Loans

    Many residents of Sacramento have been in a situation where they need to borrow money for an unexpected cash crunch. You’ve probably considered a payday or bank loan, but those require decent credit to qualify and even then loan amounts on personal loans are typically less than $1,000.

    But what about tapping into your car’s equity to borrow more than $1,000 with minimal credit requirements? When someone gets a title loan, they’re using their car’s equity as collateral for the loan. These loans are popular; you can borrow up to $20,000 in CA with well qualified cars and trucks. But before we discuss additional benefits, let’s look at the things you need to know and do before you apply for a title loan with a lender in Sacramento.


    What Do I Need For Car Title Loans In Sacramento

    The underwriting requirements are straightforward. To get a title loan in Sacramento, you’ll need the following:

    – A car or truck that you own outright valued at $4,000 or more
    – A driver’s license or state issued ID to verify your identity
    – The physical vehicle so the lender can inspect it and confirm the VIN and mileage
    – A source of income such as pay stubs or bank statements

    There may be a few other specific requirements for a secured loan. Additional requirements may include proof of auto insurance, proof of vehicle registration from the DMV, and references from past lenders. These will mostly depend on the lender you’re working with and how much cash you need.


    Benefits Of An Online Title Loan In Sacramento

    There are a few benefits that come with getting auto title loans.

    – Get your money that same day. Some short term lenders take days to process your application. Premier title loans can get you approved in hours, with cash sent to you by direct deposit!
    – There’s no credit check required since your car is the collateral. There’s no need to verify your recent lending history if you have a paid off vehicle. Don’t worry about your FICO score when applying for a title loan in California.
    – You can still drive your car while making monthly payments on the loan. You won’t need to hand over the vehicle itself as collateral for a title loan. Instead, the lender is added a lienholder to the car’s pink slip.


    Bad Credit Title Loans From A Lender In Sacramento

    The main underwriting factor with any title loan is your vehicle’s equity and not your credit score. Anyone applying with a car worth more than $5,000 should be able to get past any issues with their credit history. Most of our applicants have FICO scores under 600, and that’s often not an issue when you’re looking for a title loan!

    Remember that each lender is different, and some may have additional requirements in line with California title lending regulations. There may be issues if you’ve recently gone bankrupt or have an existing secured loan from another lender. But a bad credit score shouldn’t be a problem when getting a title loan in Sacramento.


    Capitol Building in Sacramento CA


    How Much Cash Can I Get With A Title Loan, And When Can I Get It

    Direct lenders will let you borrow up to $20,000 using the collateral from a car with substantial equity. This funding amount is based on your vehicle’s value, and you can typically borrow 50% of the vehicle’s current resale value. That means a car, truck, or motorcycle valued at $7,500 may lead to a funding amount of $3,750 when you apply with Premier Title Loans!

    Many lenders can have the money in your hands within 24 hours or less. Try to apply with a local vehicle title loan lender, who may offer to give you cash within a few hours at their lending location. Choose from companies in Oak Park or the Arden-Arcade area, as many will let you apply in person and complete a quick inspection to get the cash that same day.


    What Types of Collateral Can I Use To Get A Sacramento Title Loan

    You can qualify for a guaranteed approval title loan with many different kinds of secured vehicles. Of course, everyone knows that a car or truck can be used as collateral for a title loan. You can also consider cashing out some equity from an RV, boat, or motorcycle. These vehicles have significant value you can leverage for a quick loan of $2,000 or more! There are even options to get a title loan on a semi truck or commercial vehicle if it’s valued at $5,000 or more. The bottom line is that any vehicle owned by a resident of Sacramento that can be titled can qualify, so call us at 800-250-6279 to get started!


    How To Apply Online With Premier Title Loans Or With A Local Lender

    Many companies offer online title loans in Sacramento, so shop around and compare quotes with different payment amounts and repayment terms. Start with Premier Title Loans and other local finance companies in California that offer instant approval with quick funding!

    Interest rates range from 25 to 36% in Sacramento for loans between $2,500 and $10,000, so there’s a good chance you can get a rate that lets you repay the loan quickly! We’ll take your application online and connect you with a licensed lender near you that offers same day approval and cash funding on the spot!


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    The Tower Bridge over the Sacramento River