Get Fast and Easy Cash using your Car Title
When you need cash quickly, don’t ask for a handout. Your vehicle title can end your financial problems. Auto title loans, also known as car title loans, can be a quick and easy solution for people who are in urgent need of money, particularly if they have a bad credit history which leaves very few other quick money options available for them.
At Auto Title Loans San Diego, we have been providing residents of San Diego with car title lending for years now. Our auto title loans offer borrowers the option to borrow as much as $5,000-$10,000. This is a great deal of cash when they only have 1-3 months to pay it back. We offer our customers the most money possible with attractive interest rates on our lending. We have been a trusted consumer lender for years, helping hundreds of people in obtaining urgent money when they need it.
With us, you don’t have to worry about having a good credit score and you get your money in about an hour. Our friendly customer care representatives have extensive knowledge and they are happy to answer your call. Feel free to call anytime to book an appointment so we can assess your car and situation.
Tabl of Contents
- What is the Process of Getting a Loan?
- How Much Can I Borrow?
- What Do You Need to Qualify for a Loan in San Diego?
- How Long Will it Take to Get Qualified With Us?
- Repaying your Auto Title loan
- Car Title Loans vs Bank Lending in San Diego, California
What is the Process of Getting a Loan?
Obtaining a vehicle title loan with us is easier than you think! Simply submit an application form to us. We will consider your financial state and evaluate the worth of your vehicle. If your vehicle is valuable and you have a stable source of income, we will approve your loan within 1 hour. Don’t worry if you have a poor credit history. Because there are no credit checks, anybody can get these types of financial requests, as long as they own a car. We offer flexible payment terms enabling you to repay the loan over a period of up to 90 days.
It does not get any simpler than this. It really doesn’t.
Here are the basic things you need to apply for an auto title loan:
- You must be at least 18 years old
- You must have a steady income but being employed is not a requirement to apply for a car title loan
- Your name must be on the title of the vehicle that you are considering as a collateral
- The vehicle (collateral) must be clear of any and all liens
- You must be residing in the state (San Diego, CA) that you are currently applying for
All of these requirements are needed for the application to be approved. Once these are completed, then your financial request should be on its way without any further question.
How Much Can I Borrow?
As mentioned, our loan allows consumers to borrow from $5000 to $10,000. The exact amount you qualify for is dependent on the value of your car, which is usually based on its price. Most of our clients use the money to set up businesses. Recently, one client presented a Mercedes G500 as collateral and we loaned him $10,000. He used the cash to set up a business in California. If he ever needs another loan, he will definitely approach us. We also gave $10,000 to a woman who needed the cash to renovate her house.
Also the financial assistance that will be given to you depends on the value of the car as well. This doesn’t hold you back though, as you will still be able to use your car without the title. The lend is flexible too if you consider the other options along with what you will be giving up. Plus having this option definitely makes it easier to make financial decisions in the future.
Too many people these days worry about how much they can borrow from loan companies, and it is sometimes hindering them from actually getting financial help using their vehicles. It is really easy to apply for these types of financial helps especially when you’re living in San Diego or wherever in California. The biggest factor when it comes to the amount of money that you can borrow from lenders is the condition of your car, the better state it is in the more money you will be able to get for it. There are tons of tips on how to get your automobile’s value up before you lend it off for some financial help. The condition of your car also helps with the rate of your application, you will have to pay less for that certain amount of time as well as get more from it. So what are you waiting for? Get yours today!
What Do You Need to Qualify for a Loan in San Diego?
With us, you can get the amount you need and keep your vehicle in the process. Our loan allows consumers to borrow from $5000 to $10,000. The process is pretty simple and only a few things are required to apply. First, you have to be the only one on the title of the vehicle you’re presenting as collateral. We don’t lend to people that have multiple individuals on the title. Also, you will need to have a bank routing as well as an account number at application stage. In addition, you must have a steady source of income.
Here are some of the advantages and disadvantages of getting an Auto Title Loan in San Diego, California :
How Long Will it Take to Get Qualified With Us?
As one of San Diego’s largest vehicle title lending companies, we have streamlined the vehicle title loan process to be simple and fast. Provided you have a car that is paid off together with its title, we can approve your request in less than an hour. We also know that your schedule is tight and you don’t want to waste your precious time, which is why we have designed our car title loan procedure to be very efficient. Choosing our services will give you the best chance to get this deal done fast. We don’t like wasting our time or yours. You know that you need the cash and we will know very quickly whether we can hand it over to you or not. Our process runs fast and smooth in every instance. It only takes about 1 hour for us to put money in your pocket!
Repaying your Auto Title loan
What is the repayment period?
At Auto Title Loans San Diego, we won’t repossess your car because we have your vehicle title as collateral for the lien. We only make an income by charging interest rates. This means that you can still drive your vehicle and repay the lend in part or in full. Thousands of financially strapped people turn to us every year for assistance taking care of emergency expenses and unanticipated costs. Interest rates vary widely depending on a number of factors, including the value of your vehicle and the amount you are borrowing.
Are there any pre-payment penalties?
It is vitally important to bear in mind that if you use these types of loans, you have a plan for how you are going to repay the borrowed money sooner if possible. Unlike other lenders, we don’t charge a pre-payment penalty. Actually, we encourage our customers to pay off their liens early if possible, before their repayment period ends. Whatever your situation, the sooner you repay your lien the better off you will be as your interest will decrease right away. We therefore encourage our consumers to repay the loan early, whether in part or in full.
Car Title Loans vs Bank Lending in San Diego, California
Some people turn to banks thinking that they’re getting the best value, but the facts reveal that the opposite is true for auto title loans. It’s a common myth that banks charge lower interest rates when in reality they end up recovering a huge amount by tying down their customers to long repayment periods exceeding 10 years or more. They also take days before disbursing lend proceeds to customers. Well, that will not happen at Auto Title Loans San Diego. We will refinance your title lend in less than an hour and get you the best interest rates.
There might be different situations for each and every state in the Unites States, so requirements, interests and other technicalities might differ. In San Diego, things are pretty standard in terms of financial technicalities.
Why Consider Us?
Our primary mission is to help you get out of your financial crisis, which is why we process the cash you need quickly. As mentioned, there is no credit check and anyone can qualify for these types of liens, as long as they have a car. Another reason to consider us is that while you have obtained financial help with us, you get to keep your car and still drive it. We will only repossess your car title and a pair of keys, but you’re still able to use it. So, there is no change in life and you will end your financial problems fast. So if you’re in San Diego what are you waiting for? Give us a call today to set an appointment!
You will be able to find our contact information right down below at the footer of our website. You will also find our address on there if you wish to see us immediately. We hope that this article has provided you with all the information that you need in order to take the next step in taking an auto title loan from us. Bear in mind the technicalities involved in the service so that it won’t hurt your finances in the future.
What Others are Saying About Our Service
“My entire department got shut down, and I was out of a well-paying job before I could even react. Needless to say, I was under terrible stress for the few days after the layoff. I went to a few pawn shops in San Diego to get some financial assistance, but none of their terms and conditions looked satisfactory to me. At that time, Balboa Title Loans came to my rescue and provided with the much-needed cash I needed to keep myself going for a while. Their repayment schedule was just perfect for me, and they were accommodating enough to customize it further to suit my critical situation. The best part though was the available and almost instant cash that was provided to me by Balboa Title Loans.
Luckily enough, I was able to get another job before the cash situation became dire enough and so, here I am giving my two cents to let everyone know about this brilliant company service. Thank you guys! I cannot stress enough the excellent and fast service provided by the people at your company. You might just have given me a fresh lease of life!”
– Matthew R.
“I needed an instant loan, and I was told about Balboa Title Loans by a friend. When I reached their office, I told the lady at the front desk that I needed a loan within a day and was pleasantly surprised when she assured me that it wouldn’t take that long. One hour later, she had proved herself right, and I was walking out of the office with the urgent cash that I needed! However, it is not just the high quality and speedy service that I want to talk about here. I want everyone to know that a bunch of people working at Balboa Title Loans are simply the most professional and courteous people that I have come across in a long, long time!
The lady at the front desk and the consultant that guided me through the entire process were simply excellent and knew what they were doing exactly. They handled the process of the loan brilliantly! The whole process went as smooth as it could have and without a doubt, I will be recommending it to everyone who needs an urgent car title loan. I can assure you; it will be one of the better decisions of your life, and you will return as a satisfied customer!”
– Lisa P.
“I have never been an advocate of borrowing – be it from a friend or a large commercial bank. Therefore, when I found myself in the middle of a financial problem all of a sudden, I had little idea what to do next. I did not want to go to a bank because I knew they would charge extra, unnecessary interest rates regardless of the amount I borrowed. I had no friend who could have been able to lend me enough money at such short notice. To sum up, I was at my wit’s end as to where to get the cash from?
Then a close relative suggested me about Balboa Title Loans and told me about their auto title loan services. I was a bit skeptical at first, but John (my relative) assured me about the transparency and quality of services that was provided by this agency. I trusted John and the next day; I paid a visit to the company without any intention of actually going through with the process. I wasn’t ready to believe that a company could give me that amount of money within a day, let alone within a few hours! Even if they did, I wasn’t ready to believe that there weren’t any shady practices going on behind it.
Long story short, all my worries were proved to be baseless and within two hours, I returned home with the much-needed money. What happened? The people at Balboa Title Loans happened of course! They were extremely cordial, efficient and helpful in their approach and walked me through the entire process in the perfect manner. The rates offered were reasonable, the monthly repayment schedule that was chalked out perfectly matched my situation and the best part was that I even got to keep my car! One of the most brilliant experiences of my life truly.”
– Michael T.