Sacramento Title Loans

Get a same day title loan in Sacramento without a store visit. Borrow up to $25,000 with limited credit requirements, and keep driving your vehicle!

    Apply Now To See How Much You Can Borrow!

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      Express Car Title Loans In Sacramento

      Our title loans are great for customers in Sacramento who can't get approved for a personal loan because of poor credit. With a title loan, you use the collateral from your vehicle as security for a loan of up to $25,000. These loans are repaid over a period of 8 to 52 months and the monthly payment and interest rare is based on your lending profile and the vehicle's value. We won't check your FICO score and most applications are approved, underwritten, and funded in one business day. That means the cash can sent straight to your bank account if you apply with us by 1pm pst!

      Many of our customers first come to us asking how these loans work and how it's possible to get approved when their bank or an installment loan company has turned them down. The answer is simple! Express Car Title Loans can approve you for a secured loan solely based on the value of your vehicle. That car's pink slip is signed over to us and you make monthly payments to pay down the balance. Don't waste time applying for a personal loan that requires good credit. Anyone in Sacramento can apply with Express Car Title Loans and get approved that same day!

      APPLY ONLINE

      Express Car Title Loans can process your application entirely online, from start to finish it takes less than an hour. All we need is your vehicle information and contact information to get you a quote.

      APPLY OVER THE PHONE

      Would you prefer a lending agent walk you through the application over the phone? Anyone in Sacramento can call us at 888-864-7180 and get a realtime quote to see how much you qualify for!

      MEET WITH A LOCAL LENDER

      We offer access to direct title loans in Sacramento with loan amounts of $2,500 and up! Express Title Loans has offices throughout the state and you can meet with us in person any day of the week.
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      Years Offering Title Loans In Sacramento
      WELCOME TO Express Car Title Loans

      We offer up to $25,000 for title loans in Sacramento

      With Express Car Title loans we can get you approved for a loan up to $25,000 that's entirely based on your vehicle's equity. We are a fast convenient resource for secured loans in Sacramento and most of our customers can cash out 50% or more of the vehicle's equity value. These loans used to come with higher interest rates in Sacramento. But that's all changed recently. The APR for loans between $2,500 and $10,000 is capped at 36% and some applicants can get an even lower rate if they have excellent credit. Your funds can be sent to your bank account with direct deposit within 24 hours. You can also pick up your funds at any location in the San Joaquin Valley.

      Requirement For A Title Loan In Sacramento

      Auto equity loans are easy to qualify for if you own a vehicle that’s entirely paid off, and require far less documentation than personal loans. The specific requirements vary depending on your loan amount and payoff term, but here’s what we typically need for online title loans in CA:

       

      Clear Title: The vehicle should be titled in your name. It has to be paid off with no other cosigners or lienholders. You need to sign over the pink slip before picking up the loan proceeds.

      Vehicle With Value: Besides having a car with a clean and clear title, it must be worth more than $5,000. Most loan amounts for title loans in Sacramento start at $2,500, and because of that, we need to use your vehicle’s equity as collateral. You should be able to borrow 40% to 55% of the resale amount.

      Proof of Income: We need proof of income from your employer or bank showing you can afford the payments. Provide documentation in the form of pay stubs or bank records.

      Identification: You must provide a driver’s license or state-issued ID. While the ID can be from any state, we need to verify you’re a resident of California, as these loans are only issued to in-state residents. Get a replacement license or ID card during business hours at the Sacramento DMV location on Broadway Avenue.

      Insurance: Express Car Title Loans requires comprehensive and collision insurance coverage on the vehicle. We need to know there’s coverage if the vehicle is ever damaged or stolen while you’re paying off the loan, and we may also require an umbrella insurance policy for high value cars and trucks.

      Vehicle Inspection: In most cases, we’ll need to inspect the vehicle. Express Car Title Loans can conduct a quick 30 minutes inspection at multiple locations in Sacramento. We can also send an agent out to your home.

      Bank Information: We need proof of a checking account with direct deposit. This is required for loan disbursement and repayment purposes.

       

      Sacramento residents who apply with us can get their funds in one business day. On top of that, compare the requirements for an online title loan versus what you would need for a personal loan and you’ll realize how easy it is! The primary requirements are your paid off vehicle and income verification! After that, you should have little trouble getting approved for an instant cash title loan!

       

      Apply With Express Car Title Loans

      Are you ready to see how much cash you can pull out of your car or truck? Apply online with Express Car Title Loans or call us at 888-864-7180. Would you prefer to meet with a direct neighborhood lender in Sacramento? Even if you can’t qualify with us, we may be able to connect you with a local company!

      Express offers direct title loans in CA, and we also have a network of local lenders in the Sacramento Valley who will compete for your business. Apply with us online and we’ll do our best to get you the best rates for a vehicle title loan!

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