Get A Same Day Car Title Loan In San Diego, CA
Car title loans use your vehicle equity as collateral, and customers in San Diego with a lien-free vehicle can get approved in less than an hour. Are you wondering how long it takes for your loan to be underwritten and to get your cash? The good news is that you can submit your documents, sign the contract the same day you apply, and have the funds sent to your bank account in less than 24 hours!
Highway Title Loans offers access to car title loans in San Diego and you can borrow up to 65% of your vehicle's equity value. Most applicants can qualify with a paid-off vehicle and proof of income, and you won't need a good credit score to get approved. Loan amounts start at $2,500 in California, and you can borrow $10,000 or more with a high value car, SUV, or truck.
How To Apply & What's Required To Get A San Diego Title Loan
Complete the Highway Title Loans online application or call us at 877-433-5454 for a quick evaluation and quote. All we need upfront is your vehicle's year, make, and model. With that information, we'll get you a lending estimate that details the monthly payments and repayment terms.
The requirements for a car title loan in California are straightforward. Most lenders require a lien-free car title that acts as collateral for a loan. You also need proof of income, proof that the vehicle is registered and has recently passed a smog check in California, proof of vehicle insurance, and verification of your identity and residency in San Diego.
For those who get pre-approved, you must take the car to a licensed inspection location in San Diego. The inspection takes 30 minutes or less and mainly involves checking the vehicle for damage and confirming the odometer reading and VIN. After getting an approval notification, you can add the lender as a lienholder to the title and pick up your cash at a retail lending location in Southern California.
Bad Credit Title Loans in San Diego
For those with poor credit, a car title loan can be the only way to get a loan when other lenders won't even talk to you! But can you be approved with a credit score under 600? The answer is yes, as most title loan providers in San Diego underwrite your loan based on the vehicle's equity, not your credit history!
Sometimes, your credit history becomes a factor in approving your loan. Your credit can be an issue if you're dealing with a repossession from another title loan company, in bankruptcy proceedings, or if you've defaulted on multiple unsecured loans. Even in these scenarios, you can still be approved for a car title loan, albeit with a lower loan amount.
Why Apply With Highway Title Loans In San Diego
Some people in San Diego turn to a title loan because they need more ways to get emergency cash. But what if you want the same or even better terms with a direct lender? Consider applying with Highway Title Loans, as we work with companies in Coronado El Cajon and all throughout San Diego! Here are some reasons why our customers prefer working with us:
- We're one of the few companies that can refer your application to multiple title loan companies in California. That means you're not stuck with one quote that has a set interest rate and payment term. With Highway Title Loans, you can get numerous payment options and settle on a title loan company in San Diego with the lowest interest rates!
- Interest rates on auto title loans are some of the most competitive in the industry. Yes, the APR of around 35% is high, but you can always pay off the loan early to avoid high rates at the back end of the loan payoff.
Title loan companies in San Diego offer various repayment options so you can find one that fits your budget and lifestyle. If you need a lower monthly payment or more time to repay the loan, you can get approved for a loan extension or negotiate a refinance!
Apply Today With Highway Title Loans in SD
Contact us to find out the title loan value of your vehicle and how much you can borrow with a car title loan in CA. If you qualify, you'll likely be able to keep driving your vehicle and get a rate under 36% for all car title loans between $2,500 and $10,000!
You can apply with Highway Title Loans online or over the phone. Call us at 888-370-7434 to get a car title loan in San Diego!
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