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Welcome to Prime Title Loans San Diego’s FAQ page. We hope to address all your frequently asked questions. Hopefully you’ll get all the important information you are seeking. If your question is not featured on this list, give us a call at (619)797-6015 and one of our loan officers will be able to answer your question for you.
Who is Prime Title Loans San Diego?
We are a local loan agency based in San Diego offering car title loans to help people in financial difficulty. Over the years, we’ve seen how car title loans have helped many people in financial need, and we’re proud to be a lender whose first priority is the customer. We care deeply about customer service and hope that each person walks away happy and satisfied with their loan.
So what is a car title loan?
A car title loan is also known as a pink slip loan, a title loan, or an auto title loan. These loans are meant to be short-term and use your car title as collateral. You can access a large amount of money using the equity in your vehicle, which will be based on the current market resale value. Once approved for the loan, a lien will placed on your car but you get keep it. When your loan is paid in full, the vehicle will be 100% yours again and we return your car title back to you.
How do you be eligible?
- You must be at least 18 years old.
- Your car must be newer than the year 1999 and must carry enough equity.
- The car title must be under your name and you must be the sole owner of your vehicle.
What documents do I need?
- Your car title or pink slip, which provides proof of ownership
- A California driver’s license
- Proof of income and residency
- Registration and insurance papers
How much can I borrow?
The amount you can get for your loan will be based on the market value of your car. Factors such as make, model, year, and mileage will determine its worth. You’ll be guaranteed a loan of at least $2,500! We could also give you a quick estimate over the telephone when you call in at (619) 797-6015.
Can I keep my vehicle?
Yes. We encourage you to keep your car even as you are paying off your loan. Prime Title Loans San Diego believes in the importance of keeping your vehicle. Not only does your vehicle give you the freedom to travel where you need to go, but it serves as a valuable resources to help you get out of your financial pit.
Do I need any additional assets?
Nope! With a car title loan, you won’t need any additional collateral or assets in order to be approved or qualified for the loan! That means if you’re the owner of a car, RV, or even a motorcycle, you’ll be able to qualify for a car title loan with Prime Title Loans San Diego.
What about about bankruptcy or bad credit?
If you were to go to a typical bank or a bigger financial institution, it would be difficult to convince them to lend you what you need. However, the great thing about Prime Title Loans San Diego is that you don’t need to worry about being turned down. Even if you have bad credit or have a difficult financial history, we don’t disqualify you from getting a loan. Your eligibility will be based solely off of your car’s equity value. We’re proud to be able to give a helping hand to those in need.
How long does a loan approval take?
Can you imagine if only takes 15 minutes? Here’s the great news, Prime Title Loans San Diego is able to approve your loan in just 15 minutes! This not only saves you an enormous amount of energy, but will save you a ton of time, giving you the freedom to go enjoy the rest of your day.
How long is the loan term?
Your loan term will depend on you. The great benefit to taking out a loan with Prime Title Loans San Diego is that we amortize your loan for you. This means we can break up your loan into comfortable monthly installments over a period of time, which can be anywhere from a year to three years depending on your plan. We’ll help you plan out the best way for you to pay off your loan in a safe, secure, and comfortable manner.
What if I’m unable to make my payments?
No need to fear. If you’re unable to make your payments, give us a call at (619) 797-6015 and we’ll help you create a flexible payment plan to fix the issue.
Can I pay off the loan early?
Of course, if you happen to pay off early you save more money! If you take a loan out intended for a year term, yet repay before the year is up, it will save you a lot of money. So yes, you won’t have to pay any penalties for paying off your loan early.
Can I adjust my payment date?
If you’re worried about not making your payments on time, give us a call (619) 797-6015 to ask an extension. We’ll work with you to make it easy for you.
How do I pay off my loan completely?
To pay the whole loan, give us a call at (619) 797-6015 so that you can ask about a loan pay off. You’re able to pay your car title loan at full at any time. Prime Title Loans San Diego is not going to penalize individuals regarding early payments. We will prorate an individual’s payment portion for remainder terms.
Is my personal information secure?
Yes, we take your data and privacy very seriously and take the utmost care to keep it private and secure.