Title Loans Santa Rosa

Car title Loan FAQ

How do interest rates work on title loans?

Our interest rates are dependent on the size of the loan.

How long do I have to pay off the loan?

We give you 2-3 years to pay off your loan.

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 

Is it faster to drive into your location first?

Depends. If you have the time, you are always welcome to come to us but because of the Santa Rosa area and the communities we serve (see below), we have a delivery service so you won't have to come to us.

Is this one of those companies who puts the money on a credit card or something like that or do I actually get money directly?

We are a direct lender and do not put money on a credit card where you are limited to how much you can pull in a day.  

Do I have to have a job?

We are more interested if you have the means to pay this back. We look to see if you bring in about $1500 a month or more. This is a benchmark for us and gives us an idea if you have the ability to pay this back.

What about my credit? It’s not that great. I need a bad credit personal loan now.

No worries as people right now do not have good credit. The ones that do would not really be coming to us and probably be funded at a bank; unless the bank has raised the score level... yet again!

Does my car need to be paid off?

Have a few payments left on the car? We can take care of them.

My car is registered in another state. Can I still do this?

No. Minimum requirement is the car title loan must be in the same state as your car is registered.

Can I get a loan based on two cars combined to get more money?

Sorry, no.

I am behind on my bills. My mortgage is behind and more. Does this hurt me?

Actually we are expecting to see this. You are getting a loan to help you right so how can things be perfect first? Things will get better when we give you this loan.

Do I have to have a bank account?

If you are self employed, yes .Otherwise, no.

Do I have to mess with the DMV?

No, we handle all DMV transactions for you.

What areas do you serve?

You can either drive to us or ask about our free check delivery service!