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GET A SECURED LOAN FROM 1(800) CAR-TITLE®.
Compare how much cash you could get from us with a free quote
Get $2,150 to $50,000.
HOW MUCH IS MY CAR WORTH?
You are one step closer to getting the cash you need. Get a Free Quote and see how much you qualify for!
1(800) Car-Title® makes it easy for you to get a car title loan. We have a team of Loan Officers that are ready to walk you through the process, and make it as simple as possible for you to get the cash you need.
The process is pretty simple:
- Fill out the Form on the right.
- Speak to a Loan Officer
- Submit the necessary documents
- Get the cash you need!
How do Car Title Loans Work?
Car title loans use the equity in your car and your ability to repay to approve your loan. In order to qualify for a car title loan you need the following:
- Vehicle in good working condition
- Proof of income
- Clear Title
One of our friendly Loan officers will explain the process in detail, and the documentation you need to provide. Once the Loan has been approved, you get the cash you need and you keep on driving your car. Once you finish paying off your loan, you get the title of your vehicle back. It’s that simple!
What is my Minimum and Maximum period of repayment?
Our loans range from 24 months to 44 months repayment period, depending on the specific loan.
What is the APR for 1(800) Car-Title® Gold Loans?
The APR for the Gold Program is 35.99% APR for all qualifying customers, meeting all necessary criteria as stated below.
What is the cost of my credit going to be?
The APR for our Gold Program is 35.99% for all qualifying customers, but can be lower depending on your creditworthiness, collateral, and agreed-upon terms. Loan amounts start at $5,500.00 with a term of 24 to 44 months. Most Gold Program loans will be charged an administration fee (origination fee) in an amount ranging from $262.00 up to 5% of the amount financed.
For a typical Gold Program loan of $7,500.00 with a 35.99% APR and a 38 month term, the payment is $333.73 and the total scheduled interest is $4,731.74. The interest on the loan may vary depending upon the timing of the payments made. There is no prepayment penalty. This means that you can pay off your loan at any time without penalty, and you will only be charged interest during the time that you have an outstanding balance. However, the administration fee (origination fee) is not refundable.
When you’re in need of cash, look no further than 1(800) Car-Title®! Call today and get the cash you need!
Subject to specific underwriting criteria and ability to repay. In order to qualify, customers must have a 600 FICO score or greater. Principal amounts for Gold Loans start at $5,500 or based on state minimum. Other restrictions apply. Not all applications will be approved.
USA Patriot Act Disclosure: Important information about procedures for opening a new account
To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you apply for a loan, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.
Loans may be made by one of several lenders, including: First Electronic Bank, a Utah-chartered industrial bank located in Salt Lake City, Utah, Member FDIC; Wilshire Commercial Capital L.L.C. dba 1 (800) Car-Title and Wilshire Consumer Credit, a licensed lender in certain states. Loans not available in all states. In California, loans are made pursuant to a Department of Business Oversight California Finance Lenders License. See State Disclosures for additional information.
Accessibility Statement. We are committed to ensuring digital accessibility for people with disabilities. We are continually improving the user experience for everyone and applying the relevant accessibility standards in compliance with Web Content Accessibility Guidelines. For feedback on our website accessibility or if you have any problems with the access of our website please call our toll-free number 800-589-0290 or email us at WilshireCustomerCare@WilshireConsumer.com and we will assist you.
Wilshire Commercial Capital, LLC dba 1 (800) Car-Title and Wilshire Consumer Credit is located at 4727 Wilshire Blvd, Suite 100, Los Angeles, CA 90010.
TO REPORT A PROBLEM OR COMPLAINT WITH THIS LENDER, YOU MAY WRITE OR CALL Tracy Bergiman, Director of Compliance, 4751 Wilshire Blvd. Suite 100, Los Angeles, CA 90010, 323-837-5775, tbergiman@westlakefinancial.com.
New Mexico Only: This lender is licensed and regulated by the New Mexico Regulation and Licensing Department, Financial Institutions Division, P.O. Box 25101, 2550 Cerrillos Road, Santa Fe, New Mexico 87504. To report any unresolved problems or complaints, contact the division by telephone at
(505) 476-4885 or visit the website: https://www.rld.nm.gov/financial-institutions/.