Frequently Asked Questions
What is a title loan?
A vehicle title loan allows people to obtain a loan using the title of a vehicle they own free and clear. It is not a huge issue, due to the title being used as collateral. Your credit history is not a major factor, regardless of how good or bad your credit is. We do not require anyone to give up their vehicle while paying off their loan, the lender holds on to the title. Once the loan is paid in full, you get your title back!
How do I find out if I’m approved?
It’s very easy to apply for an auto title loan with Car Title Loans Chula Vista. All you have to do is fill out the short application here on our website with your contact information and a few details about your car. Shortly after you submit the application, you will receive a call from one of our loan representatives to help you complete the process. You can also apply by phone at (424) 625-7435 or come into our convenient Chula Vista location!
Does my credit history matter?
We use your vehicle title as collateral, so, credit is not typically an issue. Regardless of your financial mistakes in the past, you could still be approved due to our vast network of superior lenders.
Will I be able to continue driving my vehicle?
You will absolutely be able to keep driving your vehicle. We know that you need your vehicle to be able to work and take care of your family. We want to get you the cash you need quick, while also allowing you to continue driving your car or truck!
Why choose Car Title Loans Chula Vista?
At Car Title Loans Chula Vista, we provide some of the greatest interest rates and repayment options. We are flexible and strive to meet your particular needs. You do not need to worry about incurring penalties or any hidden fees if you pay off your loan before your loan time is up. Our highly trained, friendly representatives will work diligently to ensure you get the best deal possible and make sure you walk away satisfied!
When will I know if I’m approved?
Typically we have an answer and are able to have the cash in your hands in as little as 24 hours! Occasionally even in the same day.
Could my vehicle be too old?
Typically speaking if a vehicle is more than 10 years old, it will not be approved. However this can depend on the make and model of the vehicle, so it may still be worth your while to bring your car or truck by to be evaluated.
How long is a typical loan?
The length of the loan can vary based on many factors, however the max loan is usually 3 years.