Car Title Loans in Costa Mesa

Car title Loan FAQ

Costa Mesa Car Title Loans serving all of Orange County and beyond including Newport Beach, Huntington Beach, Garden Grove, Irvine, Laguna Beach, Laguna Niguel, Rancho Santa Margarita, Fountain Valley, Tustin and the El Toro community.

Does this mean that my car is taken from me?

If you went to an auto pawn it would be. However, with Costa Mesa Car Title Loans, we let you stay with the car and keep driving it. Not only some of the time either. It’s yours for the duration of the loan period.

How often do people qualify for loans with you?

Almost always. Most of the time they don’t is because of something small the state requires.

What would those “small things” be?

For example, you must live in California since that is where we are licensed. So if your car is not registered here, that will need to be changed. Also, you must live in California. These are the two main issues we find. If those don’t include you, then there is a very good chance you won’t have a problem.

How can you be so sure?

We don’t require the same things that banks do. We don’t care about your credit. We don’t demand that you have a job, or even a bank account. You can be self-employed or retirement, for example. You’ll only need your car title with insurance and an ID, and almost everyone has these simple things.

So how does the loan itself work?

You will have 3 entire years to pay it off. We use a low monthly interest rate of 7.5% for loans over $5,000, and 8% for those loans under. You pay it off as you choose, since there is no pre-payment penalty.

I can get $5,000?

You can get WAY more than that. In fact, you can get up to $30,000. Our minimum is $2,600, but whether you want the maximum or the minimum, you will receive the money the same day you apply.