Instant cash title loans in San Diego from Premier Title Loans.

We offer title loans with limited credit requirements. Apply online or call us at 800-250-6279!


Are you looking to borrow cash with your car or truck as collateral? Premier Title Loans provides access to title loans in San Diego, and in some cases you can get your funds within a few hours of applying!

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    Get Approved For A San Diego Title Loan

    What happens to someone in San Diego if they encounter a financial emergency and need a cash loan within one to two business days? There are always options to get an unsecured loan but they often require excellent credit and you can borrow more than a few hundred dollars. So, what about a secured loan that uses your car’s equity as collateral for a loan?

    These car title loans allow you to borrow up to $20,000 by tapping into your vehicle’s collateral. You add the lender as a lienholder to the car’s title, and they have first rights to the vehicle if you fall behind or default on the loan.

    There’s often no credit check with an online title loan, and Premier Title Loans can match you with a neighborhood lender in San Diego that offers cash funding in 24 hours or less!


    Loan Amounts & Payment Terms For San Diego Car Title Loans

    Direct lenders in SD offer up to $20,000 for a title loan, with an average loan of $4,000. The amount you can borrow depends on the make and model of your vehicle, current mileage and your ability to repay the loan. A car or truck worth $6,000 can lead to a loan of $3,000, so you can see just how much you can borrow if there’s collateral backing up the loan. High value cars and trucks with low miles can lead to a much higher funding amount.

    The payment term for a title loan typically depends on how much you borrow and what type of monthly payment you want. While the average repayment is around 2 years in California, some customers opt to repay their loan in months to pay less interest. While it’s not advisable, you can have up to 4 years to repay your loan if you’re looking for a more manageable monthly payment.


    The Main Requirements For San Diego Title Loans

    The most essential title loan lending requirements in San Diego always involve having a paid off car title. The title has to be lien free and in your possession, and there can’t be any cosigners or other lenders on the pink slip. Your lender will be added as the primary lienholder for your vehicle, and they’ll keep the title for the duration of the loan.

    Other things that title loan companies will look for when you apply include proof of vehicle registration, an active driver’s license, current employment information, and whether or not the vehicle is titled in California.

    Most lenders will want to conduct a vehicle inspection right before you sign off on the lending contract, and this inspection can be completed at any San Diego lending location. The inspection takes less than an hour, as you must verify the odometer reading and VIN and that the car has no major damage.


    The Gaslamp Quarter in Downtown SD.


    Benefits Provided By Car Title Loan Companies In San Diego

    The most significant benefit of secured loans in SD is the cash you can get in as little as 24 hours. You don’t need to wait days for an underwriting decision, as your car’s equity is enough to get you approved without a credit check!

    Another benefit of title loans is that your lender will work with you if you fall behind or need to change the payment terms. While repossession is possible if you default on the loan, most companies don’t want to take your vehicle, and they prefer to negotiate a new monthly payment or interest rate if that means you can keep paying them and avoid repossession. Some companies in San Diego will even offer to refinance or buy out a title loan you have from another lender if you want to improve the payment terms. Reducing the APR with these loans is a huge benefit, and you can save thousands by reducing the rate to 30% or lower!


    Interest Rates And Payment Amounts For Vehicle Title Loans In San Diego

    The interest rates and payments will vary depending on the company you’re working with, but title loans generally have higher interest rates than traditional installment loans. This is because title lenders in California are taking on more risk by offering money to people with less than perfect credit or no real payment history. Most title loan lenders in San Diego offer an interest rate between 25% and 36% for loans under $10,000. Expect a much higher APR for loans over that amount.


    Get Fast Cash From Vehicle Equity Loans With Premier Title Loans

    We promise it won’t take long to process your application, and our underwriting experts will work with you to get cash for the equity in your vehicle! Call Premier Title Loans at 800-250-6279 or apply online today!


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    The view of San Diego from Coronado Island