Chula Vista is chock-full of solutions for raising emergency money, from some loan centers to cash for gold operations and traditional pawn shops, but what’s the best way to get money right now without endangering your long-term finances? Have you heard of car title loans?
If you find yourself needing additional cash, be it for rent, credit card debt or any other cost, then an auto title loan might be your best bet. Vehicle title loans are a safe, affordable and reliable way to raise money quickly without having to make huge sacrifices.
How Do Car Title Loans Work?
Car title loans are extremely simple. They’re a form of secured personal loan, also called a collateral loan, where you use the value of your car as collateral to receive a loan. Title loans aren’t complicated like traditional bank loans, they don’t have to be paid back by your next paycheck like some loans, and they don’t require you to temporarily give up possession of things that you own, like auto pawn loans.
Car Capital Financial, Inc. offers the best car title loans in Chula Vista, having served the community for over 15 years. We’ve offered loans for all sorts of vehicles though, not just cars, including motorcycles, trucks, boats, RVs, and we can lend money for any possession that has a title, including planes, helicopters or anything else.
The biggest benefit to taking out a car title loan is that you don’t have to surrender possession of your vehicle in order to get the money you need. As long as you continue to make loan payments according to the contract’s terms, you’ll be able to keep driving and using your car!
How Can I Get a Car Title Loan?
To get you a car title loan, all we’ll need are:
- A copy of your valid driver’s license (we’ll make a copy, but be sure to bring it in to our office)
- The title (or “pink slip”) for your vehicle
- Proof of your address (bring a couple pieces of mail with your name on them)
- Proof of insurance
Once we’ve reviewed the documents and evaluated your vehicle to determine it’s value, we’ll provide you with the cash for your loan. One huge advantage to working with us is that we can provide our title loans in Chula Vista within 30 minutes of first receiving your call.
Why Are Title Loans Better Than Most Loans, Pawn Shops & Cash Advances?
Here are the major benefits to car title loans:
- You can get the money you need within 30 minutes of calling us. It doesn’t get much faster than that!
- You can drive away in your car. With our title loans, you’ll get the cash you need without having to sacrifice use of your vehicle.
- You don’t have to worry about having bad credit- Even if you’ve declared bankruptcy recently, lost your home to foreclosure, or experienced other serious financial problems, that won’t affect your ability to get a title loan from us. You won’t have to pay a higher interest rate or put any money down to get a title loan, no matter how poor your credit score is. Title loans are issued based on your ability to repay the loan.
What If I Lost My Vehicle’s Title?
As long as you can prove that you own the car and that it is paid off, then you are almost guaranteed to be eligible for a car title loan from us. If you’re the registered owner of the vehicle, it doesn’t matter if you have possession of the actual title document (pink slip) or not.
How Much Money Can I Get?
Here’s how we’ll determine the amount that you can receive:
- Your maximum potential loan amount will be based on the value of your vehicle (make, model, year, mileage and condition)
- Our minimum loan amount is $2,600, but we have no maximum payout, so you could get a very large loan if you own extremely valuable vehicles
What Can I Use The Money For?
Anything you want! Because we respect the privacy of our customers, we won’t even ask what you want to do with the loan money. Here are some things that previous customers have wanted money for:
- Making a down payment for a new vehicle, home, or commercial building
- Remodeling their kitchen, bathroom, bedroom, or other room of their house
- Helping out family members in need (for a variety of reasons, but mostly for medical debt)
- Starting or growing a business that they couldn’t raise capital for using traditional loans
- Paying off unanticipated and extremely expensive medical bills
When Are Loan Payments Due?
Your first loan payment will be due 30 days after the date of the contract. However, when it comes time to make that payment, we are extremely flexible and will offer you the ability to use electronic monthly withdrawals, paying by phone, mailing payments in, or even dropping them off in person at our local office.
Are There Pre-Payment Penalties?
Absolutely not! Though some of our competitors will charge extra for paying off your loan early (since it earns them less money by allowing you to avoid additional interest charges), we will never charge you anything extra for making larger payments than you’ve agreed to in your contract. If you’re able to pay your loan off within just a few days, or weeks of taking it out, then we invite you to do so!
About Car Capital Financial
We’re dedicated to providing the best title loans in California, and our Chula Vista service representatives are ready to provide you with the financial support that you deserve. Call us now to start the process and you could have the cash you need in as little as 30 minutes. Give us a call now at 1-888-500-9887.