What Is a Car Title Loan and Where Can I Get One?

Even if you’re someone who likes to plan ahead and be prepared for the unexpected, you can’t always know what the future holds. Through no fault of your own, it’s sometimes possible to find yourself in a financial emergency in which you need a large sum of money as soon as possible. If you find yourself in this kind of situation, Quick Cash Funding has locations throughout the state of California that are there to help you get a car title loan, which is the quickest and easiest way to get fast cash when you need it. Best of all, you can keep driving your car.

Here’s everything you need to know.

How Does a Car Title Loan Work?

Getting Cash Quickly

We’ve all been in a situation when it feels like life is coming at you way too fast. Things pop up quickly and start piling up, and before you know it, you don’t have enough money in your rainy day fund to handle it all. This is when a car title loan can help you get some fast cash to take care of whatever your issue quickly and easily. It doesn’t matter why you need the money, getting a car title loan is the best way to get some quick and easy cash.

Using Your Car as Collateral

If you’re not familiar with car title loans, it’s exactly what it sounds like. Rather than going to a bank or financial institution and having to take out a second mortgage or put up a piece of property as collateral, you can use your car as collateral to get a loan. In a way, your car is actually the perfect form of collateral for a loan. As long as your car has no existing liens and is worth at least a few thousand dollars, there’s no reason why you can’t get a car title loan. You simply give up the title of your car’s title until the loan is paid back. There’s nothing more to it than that.

Keep on Driving

The best part of a car title loan is that you give up your car’s title but not the car itself. Nobody is going to take your keys away, so you’re free to keep driving around California and anywhere else you need to go. After you get your cash, you’re free to keep using your car as if nothing has changed, so you don’t have to worry about your life being disrupted in any way.

Expedited Process

With traditional loans, there tends to be a lot of down time and a lot of waiting. Banks like to take their sweet time when deciding whether or not they want to give you a loan. Unfortunately, you don’t always have time to wait a few days to get an answer. And in the end, you may not even get the money you need.

If you decide to pursue a car title loan, these things won’t be a problem. After you’ve filled out an application and provided all the necessary paperwork, you’ll know right away how much money you’ll be able to borrow, getting you the money you need as soon as you sign on the dotted line. The whole process can happen in less than a day. The first time you get a car title loan, you’ll be amazed at how quickly the whole thing happens.

Poor Credit Won’t Be a Problem

Another major flaw with traditional loans is that people with low credit scores can’t always get one. Banks can sometimes be stingy about who they want to give money to, and even if you get one, it sometimes comes with an insanely high interest rate that’s just going to hurt your credit score even more in the long run. However, bad credit isn’t a problem when applying for a car title loan. In fact, your credit score isn’t even a consideration most of the time. As long as your car has value and you prove that you’ll be able to pay back the loan, you’ll be able to get the money you need. Any financial mishaps from your past shouldn’t get in the way of you getting a car title loan.

How Can Quick Cash Funding Help You?

Money When You Need It

Quick Cash Funding has locations throughout the state of California, and all of them are eager to help you get the money you need as soon as possible with a car title loan. Depending on the value of their car, most of our clients receive a loan between $2,600 and $50,000. If your car is worth at least $5,000 and has no existing liens, the customer service reps at all of our offices will find a way to show you the money. We won’t ask why you need the money and we won’t look at your credit score. All that matters is that your car has value and you can pay us back. Check those two boxes, and we’ll find a way to get you the cash.

Finding Ways to Make It Work

At Quick Cash Funding, we pride ourselves in always being able to help our customers, even if it requires a little creative problem-solving. For instance, some people think that if they still owe money from when they first bought their car, they can’t use it to get a loan. While technically this may be true, if you stop by one of our offices throughout the state of California, there may be a way that we can pay off the balance on your car so that you’re free to use your car’s title to get a loan. We’re always looking out for the best interest of our customers. Just stop by any of our many offices and let us come up with a creative solution to help you get the auto title loan you need.

Easy Application Process

Loan applications are the worst, right? We’ve all been there, which is why Quick Cash Funding tries to make the process as simple as possible. When it comes to filling out an application, we give you several options. Of course, you’re always welcome to stop by any of our California offices and fill out an application in person. That way, you’ll have a customer service professional there to talk you through everything and answer any questions. If you don’t have the time to stop by one of our many offices, our customer service representatives are also happy to take your call and get the process started over the phone. In fact, it’s possible for you to be pre-qualified for a car title loan over the phone.

Quick Cash Funding also makes it easy to apply for a loan in state-of-the-art style. In just a few minutes, you can fill out an application on our website and submit it online. Don’t worry, we use the latest SSL encryption security so that all of your personal information on the application is protected.

You can also print out our application, filling it out on your schedule, and then faxing it to any of our offices to get the loan process started too. However you’re comfortable!

Fast Answer

One promise we can make at Quick Cash Funding is to never leave you hanging without an answer. We understand that if you’re seeking an auto title loan, you likely don’t have much time to wait. Once your paperwork has been completed, we’ll give you a free quote almost right away. If you’re happy with the offer, just hand over your car title and we’ll give you the cash that you need. The whole process usually takes less than an hour to complete, and in the end, you’ll still have full use of your car.

Fair Repayment Plant

One thing we hate about banks is how over-eager they are for you to pay them back when they give you a loan. Rest assured, Quick Cash Funding is going to be a lot more patient with you than the bankers will be. We’ll work with you to come up with a fair payment plan, always giving you up to 36 months to pay back the loan. We also give you at least 30 days before your first payment will be due, giving you some time to sort out your situation before you have to start worrying about paying us back. Also, if you want to pay us back sooner than expected, there’s no penalty for doing so like there is with banks. At Quick Cash Funding, we let you do everything on your schedule.

Exceptional Customer Service

Quick Cash Funding has been in the car title loan business for over 20 years, and if there’s one thing we’ve mastered in that time, it’s making the customer our top priority. Everyone at all of our offices throughout California is a trained professional who will always put the needs of the customer first. We promise that every member of our staff will be friendly, courteous, and willing to go the extra mile to help you get the car title you need. Because our goal is to always surpass expectations, every time anyone stops by any of our offices. Let us prove it to you, reach out today!