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Title Loans Santa Barbara, California

Although everybody is talking about title loans in Santa Barbara, there are still quite a few people that really don’t know how they work. For instance, you may not be aware that Loan Cheetah representatives work directly with each and every applicant to find the most beneficial interest rates. Our loan reps take the time to provide helpful advice about payment plans for borrowers. In order to simplify the approval process, we don’t use credit scoring to determine approval, which would disqualify many applicants. Unlike banks and credit unions, which use credit scores, we rely on collateral (your vehicle) to secure a loan. By keeping the application process to a minimum and using car titles to secure loans, we can help more people get the funds they need. In addition, we make sure applicants are well versed in the whole loan process from the very beginning. We follow California regulations to ensure that customers know what is expected of them and make sure contracts provide the legal details of each transaction. If you would like to learn more about how we offer fast title loans for any purpose in 24 hours or less, check out this helpful information about title loans.

Your Customer Benefits for Title Loans Santa Barbara

  • Borrowers continue to have free use of their automobiles.
  • You can apply, receive approval and get your cash in 24 hours or less.
  • Unemployment and bad credit loans aren’t a problem.
  • Stress free experience.
  • We may offer lower interest rates on title loans in Los Angeles than other lenders.

Loan Considerations for Title Loans Santa Barbara

Because loans work differently between companies, it is important that you understand your obligations when signing a contract for auto title loans in California.

Essentially, you are borrowing money and using your vehicle as collateral. Consequently, you are responsible for making timely payments and paying the loan in full. California laws require the contract to state the amount of your loan, when payments are due, any applicable fees and the interest rate you’ll be paying.

Frequently Asked Questions About Title Loans

  1. Do I have to make a down payment to get a title loan?
  2. No down payment is required. Your loan is secured by submitting a vehicle title.

  3. Will I have to pay fees?
  4. There aren’t any loan consulting fees, no processing fees or application fees. We also don’t charge a fee if you wish to pay off your loan early.

  5. How is the loan amount determined?
  6. We use the vehicle information from your loan app and Kelly Blue Book to come up with the basis for a loan. Next, we’ll consider the miles, age and equity and your ability to repay the loan.

  7. How are repayment plans handled?
  8. We look at your income and discuss your budget concerns to come up with the best payment arrangements for each individual borrower.

  9. Would I still qualify for a loan if I am unemployed?
  10. You would most likely qualify for car title loans without a job. We can look at a number of other types of income like disability, Social Security, child support, pension income, alimony and unemployment compensation.

  11. How Do I apply for title loans?
  12. Fill out our online app with your full name, a telephone number and zip code. Provide the model, style, make, age and odometer reading of the vehicle.

  13. What are the loan requirements?
  14. You must be 18 or older, own the vehicle, provide identification and have a clear title.

If you need title loans in Santa Barbara for medical emergencies, rent or car repairs. Loan Cheetah is here to help.

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Ready to get started?

Begin with our simple application form, or call us.


Title Loan Disclosure

This is a solicitation for a loan. This is not a guaranteed offer and requires a complete and approved application. Title-secured loan amounts are subject to vehicle evaluation. Results and actual amounts may vary. Certain limitations may apply.

Personal Loan Disclosure

This is a solicitation for a loan. This is not a guaranteed offer and requires a complete and approved application. Personal loan amounts are subject to consumer report data evaluation. Results and actual amounts may vary. Certain limitations may apply.

Click here for Texas Consumer Disclosures

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