Title Loans Roseville, California
You are doing the right thing by trying to find out what title loans in Roseville, Calif., is all about and not just diving into it blindly. Here, at Loan Cheetah, transparency is valued, which is one reason why we want you to understand what a title loan is before you get one.
A title loan is simply a loan that uses the title of a vehicle as collateral to quality for the loan. There are some qualifications that an applicant must meet and should know about, like the fact that the cars accepted need to be lien-free vehicles. You must possess the pink slip.
It should be noted that loans are not the same across the board. Just because one person qualifies for a certain amount does not mean the next applicant will get the same. Much of it deals with the kind of vehicle you have and its condition.
Why You Should Consider Title Loans Roseville
What makes title loans in Roseville, Calif., the right choice really comes down to the benefits. Of course, one of the main reasons that a person might be interested in these types of loans is because credit does not really matter. All you need when you get title loans in Sacramento or title loans in California is your car.
Another aspect that might be enticing is that you get your cash within a week, though it may be possible to get it in as little as 24 hours. Keep in mind that here, at Loan Cheetah, we can usually give our clients their cash within 24 hours of getting approved on average.
There are other benefits that you can expect from us like the following:
- There is no application fee or processing fee when you work with us.
- Expect no hidden fees when applying for a title loan.
- Do not worry about an early pre-payment penalty should you choose to pay the loan early.
- You will usually get cheaper interest rates when compared to payday loans.
- Of course, you can still use your vehicle.
Remember that Loan Cheetah does give you the opportunity to refinance your title loan if you are having trouble paying the amount initially agreed on. All you have to do is give us a call, and we can re-visit the loan to change the payments to something that you can deal with. Keep in mind that our repayment terms are quite flexible. You can pay over a few weeks or even years if this will help.
What is Needed to Get a Title Loan?
Surely, many might be wondering how they can get a loan with us. There are a few things that you are going to need like the following:
- At least 18 years old
- A few reputable references
- A legal form of identification
- A lien-free vehicle
You will also need to fill out our application. It will ask for your car's year, make, and mileage. The application will ask for contact information like your name, phone number, and zip code.
One big aspect of Cheetah Loan that usually separates us from other firms is our policy on title loan with no job. We actually accept other forms of income other than a steady job, though that is accepted. A loan could be approved if you are getting unemployment, disability, alimony, or even child support.
You might also want to know the legal specifications of a loan. Well, there are few things to know about getting a title loan in California, like the fact that loans that fall under $2,500 cannot be accompanied with interest rates that exceed 30 percent on any given year.
Of course, loans that are larger than the amount mentioned do not have a limit. Keep in mind that California regulations state that our lenders cannot let you sign a contract before you fully understand all interest rates and our late fees. You will also be notified of any consequences of failing to pay your loan.
In short, tell us your situation, and let us see what we can do to make title loans in Roseville, Calif., right for you.