(800) 250-6279VEHICLE TITLE LOANS IN SAN JOSE – LOAN AMOUNTS START AT $2,500
We offer title loans with a vehicle as collateral. Apply online or call us at 800-250-6279!
ONLINE TITLE LOANS IN SAN JOSE CA
Premier Title Loans offers online title loans in San Jose and sometimes there's no credit check required. Apply online to cash out equity from your vehicle with loan amounts up to $20,000 for well qualified vehicles!
Get A Title Loan In San Jose With Premier Title Loans
Premier Title Loans offers title loans in San Jose for most newer paid off cards. To qualify, you only need a lien-free vehicle, income verification, and proof of registration. Eligible borrowers can use their car’s equity as collateral and get pre-approved for a car title loan of up to $20,000, with funding sent directly to their checking account. Also, there’s no need for excellent credit to qualify; many of these title loans have interest rates of 36% or lower in California!
Over the past decade, title loans have become more common in San Jose. Many residents own a paid-off vehicle, which means they can cash out any available equity. While all cars have different values, you can typically expect a loan amount based on 50% of your car’s resale value in California. Therefore, a car or motorcycle worth $12,000 can lead to an online title loan of at least $6,000 in San Jose when applying directly with Premier Title Loans. Call us at 800-250-6279 to determine how much money your car is eligible for.
The Best Title Loan Rates & Terms In San Jose
The best title loan companies in San Jose offer interest rates of 36% or lower on most title loans, and Premier Title Loans can often beat any quote you get from an online lender! Any title loan lender should have a good reputation with online services and positive customer reviews from customers who previously used their vehicle as collateral. Most importantly, a local company should offer same day funding options where you can grab your funds in person at any location in the Santa Clara Valley.
Here at Premier Title Loans, we’ll take your loan request online and provide you with a title loan quote based on your vehicle’s value as collateral. Loan amounts range from $2,500 to $20,000 for California residents, and you don’t have to give up the keys to your car to get a title loan! Best of all, we offer a fast pre-approval process, and most customers can know their estimated loan amount and payoff terms in minutes!
What To Look For In A Lender:
– Pre-approval based on your vehicle equity and income status. Apply online with Premier Title Loans and save the hassle of meeting with a direct lender in person! The most important requirements to approve you for an online title loan are a paid-off vehicle and proof of income.
– Check if your lender has an active license. Car title loan companies in San Jose are required to be licensed to offer secured loans in the state of California.
– Ensure your lender has detailed the interest rate and repayment term. They should provide you with a signed contract to review before signing off on the repayment terms.
Premier Title Loans offers the best 24 hour title loans in San Jose with online approval for anyone who has a paid off vehicle titled in their name. Please call us at 800-250-6279 or visit our website to complete an online application.
Eligibility For Bad Credit Title Loans In San Jose
Although the average credit score in San Jose is higher than the national average, it doesn’t mean everyone has an excellent FICO score. So what about those applicants who need cash today but have a credit score under 600? That’s where a car title loan comes in, as your underwriter will look more intently at how much equity exists in your vehicle. Cars and trucks worth more than $5,000 can be used as collateral for a title loan in San Jose and we likely won’t even run a credit check when underwriting your loan. Vehicle equity loans are designed for this situation as there’s more emphasis placed on your car or truck equity versus your recent credit history!
Premier Title Loans offers approval in one business day or less for car title loans in San Jose, but you may still need to bring in your car, truck, or motorcycle for a brief inspection before you sign off on the loan. The inspection can take place at any retail lending location in Northern California. During this time, we’ll confirm the vehicle’s resale value and inspect its current condition.
How To Repay A Car Title Loan in San Jose
If you’ve decided that a vehicle title loan is right for your current financial situation, your next step is to figure out a payment plan and repayment term that fits your needs. Remember, there’s no real need to borrow the maximum amount if you don’t have to. Always run your loan amount and interest rate through a title loan value calculator to see if they make financial sense. Request an amount that matches what you need for a financial emergency and always try to reduce your interest rate at the back end of the lending term. Online title loans are challenging to pay off, and you don’t need to make it harder by borrowing than you need!
Once you receive the loan proceeds, making timely monthly payments is essential to avoid penalties and a costly situation where your vehicle is repossessed due to non-payment. There are laws in place in San Jose and throughout California that offer some protections if your car is repossessed. However, in any situation, you’ll need to quickly bring your loan back to a “current status” to avoid having your vehicle sold at auction.
Title Loan Refinancing Options In San Jose
Do you have a high interest rate on an existing car title loan? Or maybe you still owe money to the lender who sold you your car or truck? At Premier Title Loans, we offer low interest rates and can refinance anyone with a high interest title loan. With new lending regulations in California, title loans now offer lower finance rates than ever. Some customers can see their APR reduced by 50% or more simply by calling us and obtaining a quote with a new payoff of their existing title loan.
Even if you’re still paying off your original vehicle lender, there’s a chance we can reduce your interest rate with a loan buyout. With a loan buyout, we’ll reduce the interest rate on your auto loan, allowing you to obtain an APR that significantly lowers the total amount you pay over the life of your loan. Anyone in San Jose with a high interest auto loan can qualify, so why not call us and see how much money you can save over the life of your loan?
Auto Title Loans In San Jose With Premier Title Loans
Apply with Premier Title Loans online or call 800-250-6279 to secure a loan based on your car’s equity, not your FICO score. We’ll review your application details and recommend a payoff term and monthly payment for your budget. Most customers in San Jose with a paid off vehicle worth $5,000 or higher can qualify for a title loan of at least $2,500! Even if you don’t qualify or are looking for more money than a secured loan can provide, we’ll do our best to help you.