Car Title Loans in Modesto

Car title Loan FAQ

What areas do you give emergency same day title loans?

Atwater, Ceres, Escalon, Hughson, Livingston, Manteca, Merced, Modesto, Oakdale, Ripon, Riverbank, Salida, Tracey, Turlock, Waterford

How long does it take to get a title loan?

Our typical loan funds in 24 hours or less. If you need the money today and you give us at least a couple hours to put your loan together, we could get it the same day. Apply online to get started!

What is the interest rate?

Title Loans are usually charged monthly interest rates and ours is no different. Your rate is 7.5% on loans over $5000 and 8% for under.

How long do I have to pay back the title loan?

When we do the paperwork we will set it up for 2-3 years depending on your loan amount and the amount you can pay back.

I wanted a short term loan. Is this different?

Absolutely no problem. You can pay this back anytime and you will not have a prepayment penalty

What documents are needed?

• Copy of your drivers license
• Original Title
• Insurance
• References
• Proof of residence (verify where you live)
• Proof that you have some income of at least $1500 a month

Should I come to your office first?

No. The reason why is that we have to exchange documents and we do this via fax. Once we have everything all set - then we have you either come in to the office or we can come to you.

How is a Title Loan different from an Auto Pawn?

Auto Pawns are just like any other pawn. They will ask you to leave your car with them. We do not do that. A title loan is on the title of the car where you leave just the title and you still drive away.

Do I need to be employed?

We require that you can show you can pay this loan back by having some sort of income of at least $1500 a month.

I was rejected by my bank because of my credit. Is this going to be an issue with you?

We hear that banks are making it harder to get loans even though they got a bail out. They have raised the credit score so that only the people with perfect credit can get loans. This is not the case here. While they have made it harder, we actually loosened up the rules here to bring in more customers.

My car has another loan on it. What do I do now?

Get a title loan from us for starters. The way this works is you will tell us what the outstanding loan amount is and who it is owed to. We will pay them off and give you money on top of that. This all depends on the value of the vehicle of course.

I live in California but my car is titled in another state. Is this a problem?

Yes it is. Everything has to be in California.

My mortgage (or rent) is late. Is this a problem?

Not at all. We just need to prove residence, not that you are current on the bills.

Do I have to have a checking account at the bank?

We do ask that all people who are self employed have a checking account but other than that, no, you are okay.

How does my car title get changed at the DMV?

When you get the loan you will hand us the title. We will notify the DMV that we are to be added and taken off when the loan is paid off. We do all the DMV work.