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Frequently Asked Questions About Auto Title Loans

  • What happens when I get an auto title loan?

You are allowing a licensed auto title lender to become the “lien” holder of your automobile’s title in exchange for money that is to be paid back in monthly installments. You keep possession of your automobile as long as you make your regular monthly payments, and once the auto title loan is paid off in full, the lien is lifted and the auto title returned to you.

  • How much money can I get with an auto title loan?

For the state of California, you can borrow between $2,500 to as much as $50,000 based on the value of your automobile on the current market, your ability to repay the auto title loan, and several other factors. Apply now and find out how much money you pre-qualify for with an auto title loan.

  • Does the auto title have to be in my name?

Yes, if you are the one applying for an auto title loan, your name must be on the auto’s title. If you share your name on the auto title with someone else, like your spouse, all parties listed on the auto title will need to be present at the signing of the auto title loan agreement.

  • Can I get more than one auto title loan and what if I still have payments left on my automobile?

Due to state and federal regulations, we at 123 Credit Title Loans can only provide one auto title loan on only one automobile for each individual customer. If you still have payments to make on your automobile, apply and ask an auto title loan agent if your automobile qualifies for an auto title loan, because we may be able to include the last few payments into your auto title loan.

  • How much does it cost to apply and how fast can I receive my money?

It is 100% free to apply for an auto title loan with 123 Credit Title Loans. Typically, qualified applicants receive their funding as soon as the next business day.