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Sacramento Car Title Loans

TFC Title Loans has been providing the best car title loans in Sacramento since 1994; making it the oldest title loan lender in the state. We have streamlined the application process for car title loans in Sacramento so you can get the funding you need as fast as the very next business day. We use the current street value of your car and your ability to repay the loan instead of solely using your credit history, as traditional bank loans do, to qualify you for a loan. If you need some fast funds for an emergency financial situation then you ought to seriously consider title loans Sacramento, CA.

Sacramento car title loans

We will also offer you more money than the other title lenders. We will also beat their interest rates because we have the lowest rates. That’s what makes us the best and why we can give you the best car title loan in Sacramento. Our title loan program also offers no pre-payment penalties, so it allows you the flexibility to pay off when you can. Our loan terms are usually from 24 to 36 months. Some title loan contracts are longer but that is the average loan term that we offer.

What are auto equity loans in Sacramento are one of the easiest ways to get a loan with bad credit, Don’t let your bad credit get in the way of you getting the loan that you need. If you need a car title loan in Sacramento we can get you the money the same day that you apply with us.

Car title loans Roseville are only 19 miles from our Sacramento location, so if you need an auto title loan in Sacramento or any of the surrounding cities we are here to help you.

So it is nice to know that you do not have to stay with us for the full term, just pay us off when you have the money. We try to make it as simple as possible for you to pay us off. If you want to you can always make partial payments to lower your principal balance.

We will use Experian to run your credit when we are getting you approved. Building your credit with us and Experian will help you in the long run. Establishing your account with us will always allow you to come back to us and do another car title loan if you need our services again. We pride ourselves on our repeat clients; we have many clients that have used our title loan program multiple times. We will offer you the best service and we will always work with our clients or future clients, whatever the situation is. It is important that there is good communication because if for some reason you can not make the payment or you are going to be late, make sure you call our account services and they will take care of you.

Car Title Loans in Sacramento

Are you looking for a way to borrow money, but are concerned about credit? With poor credit, it can feel like you’re out of options. TFC Title Loans may be able to help. You may be able to qualify for up to $50,000 in financial relief in as little as one business day with Car Title Loans in Sacramento.

Car Title Loans use the free-and-clear title to a qualifying vehicle to secure funding. Our customers face no driving restrictions while making regular payments, because the vehicle’s title, not the vehicle itself, is used as collateral. Plus applying is completely free!

Title Loans makes getting a car title loan in Sacramento a fast and hassle-free process. The amount that you might qualify to borrow is usually dependent on the current value of your vehicle and ability you have to the repay the loan along with a few other qualifying factors. Sacramento customers can be eligible to receive funding ranging from $2,500 up to $50,000. We, here at TFC, have no hidden fees and no prepayment penalties, meaning you can pay back the loan at any time you wish.

What TFC Title Loans Can Do

TFC Title Loans uses the title of your vehicle as collateral for your title loan. TFC Title Loans has high approval rates because, as long as you have a clear title and income proof, you can qualify for a title loan. The loan is then based off of the equity value of your vehicle, as well as the ability you have to repay your loan.

In order to value your loan amount, TFC uses the wholesale retail value of your vehicle and offers you 85% of the wholesale value through Kelly Blue Book. Based on your income, TFC can offer you more or less, ranging from funds between $2,500 and $50,000. With those type of funds, you’ll be able to pay whatever financial obligation you are facing with Car Title Loans in Sacramento.

We will check with the DMV to see if there are any outstanding tickets or violations. If there are we will be able to take care of all the DMV paperwork from our office. The only thing that we will not be able to handle is if your car needs to be smog. you will need to take care of the smog so that we will be able to complete the DMV transaction.


Title Loan Rates and Charges

Car title loans are an expensive funding option, characterized by a high interest rate when compared to traditional banks and other conventional lending firms. However, the twist is; you pay a little more because of the simplicity of acquiring this kind of loan.

Interest rates vary from state to state, and from lender to lender, but at TFC Title Loans, we offer you a competitive title loan rate in LA, fairly lower than what our competitors have to offer. And usually, we express our rates on monthly basis, even if the title loan period lasts for over 24 months.

Our policies are also consistent with state regulations, and with us, there are no hidden charges or any form of application fee. You only pay back the amount you borrowed, including the interest. And you can complete this payment anytime you feel ready – no prepayment charges as well.

Remember, you do not give up your car for the loan. However, you may face the risk of getting your car repossessed if you default


What About Default and Repossession?

While it may be correct to say that repossession is the downside of an auto title loan, it will be unfair to conclude that all title loan borrowers face a greater risk of losing their cars through repossession.

When we give you a pink slip loan, one of our title loan requirements is that you sign the terms of contract in agreement. By the agreement, we expect you to pay up the loan amount any time before the loan due date. You default when you fail to make the regular payments before the duration elapses. And when this happens, repossessing your car might be a remedy for us to recover our funds.

But as you can see, our longer loan period of over 24 months gives you an advantage. Also, you could pay off the loan amount (plus interest) any time and we will not charge you a dime for doing so. You can also pay more each month so you would eventually save some money in the long run, and pay off the loan earlier.

So you can see that with TFC Title Loans, defaulting and the risk of getting your car repossessed is not an issue to worry about.

 

Online Title Loans – No Inspections?

A car tile loan is an example of a collateralized loan. That means it is a loan that is secured with a collateral. Your car is not directly the said collateral, but your car title is.

A Sacramento title loan online gives you the opportunity to get an instant auto title loan anywhere you are – at your convenience. However, many often wonder if it is possible to get a title loan with no vehicle inspection.

Since the loan you will get is dependent on the value of your car, with your car standing as an indirect collateral for the title loan, then a car inspection is necessary.

No doubts, online auto title loans give you access to an easy title loan process in Sacramento.

Online title loans were initiated to expedite the whole title loan process from start to finish. It was designed to cut off the stress of searching for a physical office where you can apply for a title loan. So that in times of emergency when getting access to money fast becomes urgent, an online pink slip loan will be the best option.But this doesn’t mean that the car inspection stage is off the process.

At TFC Title Loans, we consider inspecting the car or vehicle you are presenting to access the loan as an important stage that facilitates how much you are getting from the loan. Before we go ahead to approve your title loan application, we pay attention to your car’s recent value. We use Kelley Blue Book to evaluate your car and come up with a fair market value (FMV) for your car.

 

Auto Title Loans Online with Bad Credit

Auto title loans are quite easy to understand, especially if you’ve done your research properly to understand hoe title loans work. At this point, lets point out two important things;

  1. It is beneficial to understand title loans before you proceed to taking out one
  2. When you eventually decide to get a title loan, then it is also important that you get it from a trustworthy title loan lending company.

Due to the constant difficulty in getting a loan from conventional lenders due to the credit requirements, there’s been a growing trend, especially online, about getting a title loan with no credit check.

To get a loan from a bank, your credit will have to be perfect, or at least decent enough to qualify you for a loan. But with an auto title loan, you can get access to money fast, whether your credit is bad or not.

We offer you a  bad credit title loan, but we also do a quick check on your credit. The reason for this is that; even if your credit has nothing to do with you getting the loan, we run the check to know your strength and competency in terms of repaying the loan.

With us, you can get a pink slip loan in Sacramento quite alright, however, we want to be guaranteed of your commitment to repaying the loan. This is what sets us apart as the best Sacramento title loan lender. Our goal is to give you the financial assistance you desire, and we take no pleasure in seeing you lose your car through repossession when you default.

Benefits of TFC Title Loans

TFC Title Loans Sacramento offers loans with quick approval that can help you avoid those high overdraft fees or other charges that can occur when you run into a financial dilemma. All you need is a car title along with some identification in order to qualify for a title loan. The best part is that you keep your car while you pay off your loan.

TFC Title Loans also offers their customers loan terms that other lenders don’t. We give you 24 to 36 months to pay off your loan, while some lenders make you pay it back in 30 days. TFC Title Loans understands that money can be stressful, and we want to make it easy.

You can get information on our simple loans by completing the online form found on our website or by using our Live Chat function to speak to one of our knowledgeable, friendly Loan Officers. Our online application can take less than 5 minutes! There are no obligations to see if you qualify, so if you don’t like your loan terms, you don’t have to continue. You can also call us at 844-242-3543 or stop in our office in Sacramento.

About This Location

TFC Title Loans on 2636 Fulton Ave is great for those living in or near Sacramento. On Fulton Ave, this location is between the small strip mall with Auto Parts store and the Sacramento County Human Assistance Department. The driveway is right before the department, so keep a close eye as you’re driving down Fulton.

TFC Title Loans – Sacramento

Location: 2636 Fulton Avenue, Suite 150A, Sacramento, CA 95821

Call Toll Free: 844-242-3543

Hours: Monday Through Friday 8:00 AM to 7:00 PM, Saturday 9:00 AM to 2:00 PM

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How to Apply with TFC Title Loans

We make applying for a loan easier than the rest! With our streamlined application process, you can get your funds in as little as one business day. After you have filled out the online application, your TFC representative will contact you to collect important information regarding the title of your vehicle and your income information. Once they’ve received the needed documents, your contract will be created. The final step will be to come to your Sacramento TFC and sign your terms. You’ll be able to walk out with your funds!

Basic Items Needed for A Title Loan

Your TFC representative may ask for these documents. It can help you speed up your loan process if you have these ready before coming into our Sacramento location or submit your application.

  • Your valid driver’s license or state ID
  • The original title to your vehicle
  • Proof of income
  • Residency proof
  • Valid auto insurance
  • Pictures of the vehicle

Other items may be required but your loan representative will cover those with you.

How to Pay Back Your Loan

TFC Title Loans has a variety of different methods in order to pay back your title loan.

  • Online

Once you’ve applied for your auto title loan and have received all your documentation, you’ll be able to create an account or even make a “quick guest” payment via our website.

  • Telephone

If you prefer the phone, you can pay your monthly payment, you can call 888-505-3784 to make a payment by check through the phone.

  • By Mail

We understand if you prefer the old-fashioned way. Sometimes it seems safest. You can pay by personal check, money order, or cashier’s check. Make sure to put your account number or social security number on the check or money order. Then, make payments to Trading Financial Credit, LLC. Then, you’ll send it to our Headquarters’ location.

We make payments easy by pairing with Western Union. Head over to your local branch by using the state code “California” and the city code “Thirteen”. You could also visit their website and search for TFC. Follow the prompts to make a payment online by credit/debit card, or you can make a payment by phone by calling Western Union at 800-634-3422.

Find your local MoneyGram and make payments with the MG code “5041”. You can also visit their website and search for TFC. Follow their prompts and make an online payment