Find Instant Online Title Loans in California

If you’re seeking fast cash to pay an unexpected bill or expense in California, you may have difficulty finding a loan that works with the speed you require. Some traditional lenders can take a long time to process your application, and you may have to wait longer to retrieve your emergency cash. However, even if you find a loan that satisfies your needs, it might have demanding requirements that are challenging to meet. For example, if you don’t have a perfect credit history or financial background, you might not have the chance to acquire money from an unsecured loan option. Thankfully, there could be a better alternative for you to utilize!¹

With a car title loan in California, you could expect a quick and easy approval process, even if you are not confident with your credit score.¹ Just use your vehicle title as collateral to secure your loan, submit a few documents, and meet a few additional requirements!¹ Through that method, you could receive an approval status in no time!¹ You could also have the chance to get quick funding if you qualify for a title loan.¹ When you inquire about ChoiceCash auto title loans, you could receive money in as little as one business day!¹ 

People nowadays prefer the convenience of doing things online. Why should acquiring a California title loan be any different? With a smartphone or computer, you could easily apply online for the funding you need for an emergency!¹ If you prefer speaking to someone over the phone, you could contact a ChoiceCash title loan representative at 855-914-2945.

Read below for more information on how you could obtain an online title loan today!

How Does an Instant Online Car Title Loan Work?

Instant online car title loans can be a quick and easy way to collect emergency cash!¹ With an auto title loan in California, a title loan lender will base your eligibility and loan amount on the following factors: 

  1. The Value of Your Car
  2. Demonstrate the ability to repay the loan

Don’t forget that borrowers use their vehicle’s title as collateral for the loan. That means you are essentially borrowing off your car’s equity, which is why it is so essential in the approval process! Instead of basing your eligibility solely on your credit history, title loan lenders base it upon your vehicle’s equity and income. The more your car is worth, the more you may potentially be able to borrow through an online title loan!¹  

Typically, a traditional loan option will see a borrower with bad credit as a risk to lend money to. Collateral helps to offset this lending risk!  Since collateral secures the loan, qualified borrowers can experience many different benefits besides a flexible loan process.¹ These perks include the potential to receive more funding if your car has considerable equity!1 Secured loans like auto title loans could be easier to apply for and often have high approval rates compared to traditional loan options.¹

If you don’t know the current equity in your vehicle, that’s okay! There is an online calculator tool available for title loan borrowers to easily obtain an estimate with a quote, free of obligation.¹ You could use the tool by inputting the following details from your vehicle:¹

  • The Year a Manufacturer Released Your Car
  • The Make and Model of Your Vehicle
  • The Current Mileage Listed on Your Car’s Odometer Reading
  • The Style of Your Car
  • Any Modifications or Alterations Made to Your Vehicle
  • Any Surface or Cosmetic Damage Done to Your Car

Once you find an estimate on your car’s equity, you can call a ChoiceCash title loan agent to see if it qualifies for funding!¹ They could also help determine if your vehicle has sufficient value to justify the total you need!¹

guy holding money

How Quick Can I Get Money with Auto Title Loans in California?

When facing a financial emergency, you would probably want to receive cash in a flash! While traditional loan options can take significant time to validate your information, a title loan could be different.¹ For instant online title loans, the process is streamlined to help borrowers in a financial crisis. Why should you wait so long to get the funds you need for an unexpected expense?

With loan options like a ChoiceCash title loan, borrowers could get their money in as little as 24 hours if they qualify!¹ There are just three simple steps you would need to complete in the approval process:¹

  1. Start Your Inquiry By Submitting a Short Preapproval Form Online or Calling a ChoiceCash Title Loan Representative. After you choose from one of these options, you could quickly move on to the next step in the loan process.¹
  1. Submit a Few Documents to Verify Your Information. A ChoiceCash title loan agent will ask you to send documentation to verify your information and vehicle ownership. But don’t stress! They could be simple to collect and even easier to submit online!¹ 
  1. Get Approved and Get Your Cash!¹ It’s worth noting that you must sign a loan agreement to receive your money if a ChoiceCash title loan agent approves you for funding. Once you do that, you can choose between a few different ways to collect your cash. You could opt for a check sent to your California address, a direct deposit to your bank account, or pick up your funds at a participating money transfer location near you.

So forget the hassle of a long and arduous loan process by taking advantage of a quick and flexible one!¹ Remember, qualified borrowers could obtain quick funding as soon as the next business day!¹ Contact a ChoiceCash title loan representative at 855-914-2945 if you have questions. 

What Can I Use California Title Loan Funding For?

Every person’s financial emergency can be different. You might need money for an electric bill or to cover the cost of an unexpected expense that doesn’t fit your monthly budget. With California car title loans, you could use your funds for various financial situations, which means you could use your cash for:  

  • Rent
  • Urgent Home Renovations and Repairs
  • Medical Expenses
  • Vehicle Repairs or Modifications
  • Debt Consolidation
  • Mortgage Payments
  • Unexpected Bills or Expenses
  • Unplanned Trips
  • Veterinarian Bills
  • Funeral Costs
  • Surgery Costs

Use a car title loan online to cover some of your expenses!¹ Simply use your vehicle title as collateral to take advantage of a convenient and flexible approval process.¹ Go online to begin your inquiry for a ChoiceCash auto title loan today!

What Documents Do I Need to Obtain Online Title Loans in California?

As you may have read previously, a ChoiceCash title loan agent will ask you to submit some documents online. While they may be easy to find, you may be curious to know what documentation you need for this requirement.¹ Keep in mind that the state of California might require you to send additional paperwork; however, you can expect to send in the following documents during the inquiry process: 

  • The Title to Your Car: A borrower’s car title must be in their name to use as collateral. But if you happen to share a name on it, you could still qualify for a car title loan in California.¹ If there is an “OR” in between both names, either you or the other member could do the loan process unassisted; but if there is an “AND”  in-between, all parties must submit documents separately. Speak with a ChoiceCash title loan representative if you have lost or misplaced your title, as they could help you find out how to transfer it to your name or replace it with a new one.
  • Proof of Government-Issued Identification: To prove your identity to a ChoiceCash auto title loan agent, you must show a valid, government-issued photo I.D. card. You can use your California driver’s license, passport, or other certified state identification cards. 
  • Proof of Reliable Income: Borrowers don’t need a 9-5 job to prove they can repay a California title loan.¹ You could use various alternative income forms to validate that, such as pay stubs, bank statements, retirement income, worker’s compensation, settlement income, Social Security/Supplemental Security Income, or even a letter of employment from your employer!
  • Recent Pictures of Your Vehicle: During the approval process, ChoiceCash title loan agents must conduct a car inspection to verify its condition before approving you for funding.¹ That could be a simple requirement, as you would only need to take clear and visible photos of the vehicle’s front, back, sides, odometer reading, and Vehicle Identification Number(VIN). You could send the pictures from your smartphone as soon as you have them ready.
  • Proof of Address: A ChoiceCash title loan agent will ask you to confirm whether you live in California through a valid document. It could be easy to validate your residence using a bunch of different paperwork, such as: recent mail, utility bills, recent credit card statements, lease agreements, mortgage statements, phone bills, etc.¹ Dial 855-914-2945 if you have doubts about what documents will be accepted.
  • Some References May Be Required: ChoiceCash title loan representatives typically ask borrowers to provide personal or professional contacts. You could have the option to give both if you wish.

Once you submit the required paperwork, you can finally obtain a ChoiceCash title loan serviced by LoanMart if you qualify.¹ Contact a ChoiceCash title loan representative at 855-914-2945  if you think other requirements are needed to qualify for a loan.

How Can I Pay Instant Online Car Title Loans in California?

If you are like most people, you might want to repay your loan as quickly as possible. With loan options like a ChoiceCash title loan, you have a few different ways to pay off auto title loans efficiently and in no time online!¹ Not only that, but you could choose between a few different payment methods that work for you. 

Here are some ways you could complete your monthly payments without an issue:¹

  • Pay Through Your Phone By Using a Credit or Debit Card
  • Set Up an Automatic Electronic Withdrawal 
  • Pay via Mail By Sending Checks to a Payment Center
  • Use Your Smartphone and Pay Through the App
  • Pay in Person By Visting Any MoneyGram Location Nearby

Suppose you opt to pay through the online portal. In that case, you would find the following loan information on that page: 

  • Billing and Payment Information
  • Loan Scheduling and Payment Due Dates
  • Basic Account Information
  • Other Available Payment Methods
  • Important Messages About Your Current Loan

Also, you can talk to a ChoiceCash title loan representative if you face issues during the repayment period. While you’re at it, you could ask them any questions or concerns you may have about California online title loans.  Call 855-914-2945 to learn more!

If You Have Multiple Vehicles, Which One Should You Choose for an Instant Online Title Loan?

Borrowers with more than one car can submit information on multiple vehicles to see which one has the most value. Perhaps examine each car and its value if you’re looking for a significant loan amount. One of your vehicles could be close to what you prefer than the other. 

If you have multiple cars to choose from, it may be a good idea to explore your options. There may be a chance that one of them could give you a higher loan amount than the other.¹ With the online calculator tool, you can easily find that information!¹ You could get an estimate on your vehicle’s equity in no time and see which car works best for you!¹

Don’t hesitate to dial 855-914-2945 if you need assistance. ChoiceCash title loan agents are available six days a week for extended hours to help borrowers in any way possible. 

Do I Need Good Credit to Apply for a California Auto Title Loan?

With a car title loan, you could still qualify for the funds you need, even if you have bad credit.¹ Many loan options require you to have perfect credit, but online title loans may be more flexible in that regard.¹ Even if you have a low credit score, a title loan may be available to help you get the money you need for an emergency.¹

Since title loan lenders will check your credit during the inquiry process, your credit would go through what is known as a hard inquiry check. Once you’re approved and agree to proceed with the loan agreement, this happens. It can take off some points from your credit score, but that could improve with time and effort. 

Don’t let your credit get in the way of potentially retrieving your cash! Contact a ChoiceCash title loan representative at 855-914-2945 to learn more.1

Are There Any Benefits in Acquiring Instant Online Car Title Loans?

In the process of getting online title loans in California, people could expect to receive benefits beyond online convenience.¹ But when you inquire about a ChoiceCash title loan, you could receive exclusive perks that add to your overall loan experience!¹

Here are some of the benefits you could get after a title loan agent approves you for quick funding:¹

  • Competitive Interest Rates¹
  • Convenient and Flexible Online Approval Process¹
  • No Hidden Fees or Prepayment Penalties¹
  • An Online Portal to Keep Track of Your Loan Balance
  • No In-Person Car Inspection Required
  • Keep Your Keys During the Repayment Process

Speak with a ChoiceCash title loan representative today by dialing 855-914-2945. 

Where Can I Apply for Instant Online Title Loans?

It could be easy to inquire about instant online auto title loans in California.¹ You would have to take a few minutes to fill out the online form or dial 855-914-2945 to speak with a ChoiceCash title loan representative.¹  

Get started on your loan today and take advantage of a flexible online process to get your funds in no time!¹