The Best Car Title Loans in Hayward and the East Bay Area
For more than twenty years now, TFC Title Loans has been helping the people of Hayward California through tough financial situations. Financial troubles and emergencies can happen to anyone, and sometimes, you just don’t have enough money to cover the problems. You might not have enough in savings, or you might not have any credit cards that can help. Regardless of the reason you need the money, it can seem as though you don’t have any recourse. So getting your emergency car title loan with us is a fast and effective way of getting that emergency money loan that you need. When you get a car title loan with us you use the equity that you have in your car. The amount of the loan will depend on the amount of the equity that you have in your car. We give you the best car title loans in Hayward and the East Bay Area. With our car title loan program we will also be able to get you the lowest rate as well. With our lower rates we are able to offer you lower monthly payments too. We also offer our clients our no pre payment penalty program, which allows you to pay off your title loan at any time without any extra fees. We try to make getting a car title loan as quick and as easy as possible but we also try to make paying off your car title loan as easy as possible.
Getting a cart title loan in the East Bay does not need to be difficult any more. With our vast experience and knowledge on getting you the most money, makes our title loan process the fastest and easiest in town. For questions regards your car title loan please visit our FAQ page.
That might not be the case though. If you own your own vehicle, then you could consider getting an auto title loan. Hayward, CA residents who have the title, or pink slip, to their vehicle could get one of these loans and take care of any financial issues they might have. Perhaps someone has had some legal trouble, or maybe you have a dental emergency. There are countless reasons, and an auto title loan is all you need. If you don’t know much about these types of loans or how they work, you should learn the basics first.
How Car Title Loans Work
A car title loan takes your vehicle into account and your ability to repay the loan when determining how much you can receive for the loan, and whether you can get the loan. You will need to own your vehicle, and you need to have the title for the vehicle. This is what you will be putting up as collateral. The car title loan is based off the equity that you have in your car. We will book your car with Kelly Blue Book to find out the wholesale value of your car.
Once we have qualified the car, now we need to qualify you. We will do a credit check by using Experian. This will help us determine how much you can afford, so it will also help us decide how much your title loan will be for and for how long. We need to make sure that you will be able to afford your monthly payments. The last thing we want is for you to default on your title loan.
Keep in mind that you will also have to pay interest on the loan, and the longer you have the loan active the more interest you will have to pay. It is important that you consider the full cost of the loan to make sure you can pay it. If you believe you are going to have trouble making any of the payments, you should let the lender know so you can make arrangements with them. Our contracts are simple interest and that means that you only pay for the interest that you use. Our contracts also have no pre-payment penalties, so paying off is easy too.
Some might worry about getting a car title loan in Hayward, but it doesn’t have to be so worrisome. Just make sure you know the terms of the contract and when you need to pay. Make the payments, and you will get back the title to your vehicle.
Valuing Your Car
When valuing your car, TFC Title Loans takes many things into consideration. We ask for the year, make, model, mileage, and the condition of the car. Sometimes, even unique specs that may be included could help the value of your car – in turn giving you more money. We give you 85% of the equity value of your car. This could also increase or decrease based on the ability to pay back the loan and your income.
Bad Credit with Car Title Loans
Everyone has experienced some difficulties in life that has led to a less than perfect credit score. When there’s an emergency, just like anyone else, those with bad credit still need loans to help pay for those emergencies. Ever since we opened our doors in 1994, TFC Title Loan have worked to help those who have had doors slammed in their faces because of credit scores.
With TFC, we offer an incredible opportunity to those with low credit scores to borrow the funding they need and even improve their score. The best loan to get with bad credit is a secured loan like a car title loan that requires collateral, so you don’t have to worry about your credit score.
The only time TFC uses your credit score is to check if you’re actively going through bankruptcy or credit counseling. Otherwise, your score does not affect the amount of money you could get or the interest rate on the loan. Those are all based off factors like the equity value of your car and your ability to pay back the loan.
TFC Title Loans in Hayward
When catastrophe strikes, you don’t have to feel alone. TFC Title Loans is here to help. Simply provide us with a car title along with some identification to get the car title loan cash you need to get through a sudden financial crisis. Best of all, you get to keep your car while you pay off the loan.
Our office is open Monday through Friday from 9 AM until 6 PM. You can stop in our office at 501 W. Tennyson Road, Hayward, CA 94544 or give us a call at 844-242-3543 You can even reach us online by sending in the simple title loan form on our website or talking to one of our knowledgeable loan officers through our Live Chat feature. We are here to help, so give us a call today to see how we can help you manage your financial woes.
About This Location
This location is great for those living near or in Hayward. Locate on W Tennyson Rd between Baldwin St and Andrea St, our office in Hayward can be found across the street from El Charro Supermarket in a little strip mall.
TFC Title Loans – Hayward
Location: 501 W. Tennyson Road, Hayward, CA 9454
Call Toll Free: 844-242-3543
Live Chat: Live Chat Support
Hours: Monday Through Friday 8:00 AM to 7:00 PM, Saturday 9:00 AM to 2:00 PM
How to Apply for Car Title Loans in Hayward
Ever since we opened our doors, we have worked to create a company culture of communication with our customers. We care about customer service and education, which is why we want our customers to understand the entire process before taking the first step. With second-to-none customer service, we have drawn many customers to work with our lending process over others.
The car title loans process consists of several main steps like application, call, documents, vehicle inspection, signing the terms, and picking up your money.
In our streamlined application, you only have to put your name, phone number, email address, and the minimal information about your car.
Call from a Representative
After your application has been submitted, we review it to get an estimate for your free quote on what we might be able to borrow you. We will call you directly to discuss the free quote and move forward if you’re still interested.
Basic Items Needed for A Title Loan
You will need to submit a few forms of documentation before you will be able to move forward. To make the process quicker, we suggest you have these documents ready
- Your valid driver’s license or state ID
- Proof of insurance
- The original title to your vehicle
- Proof of income
- Proof of residency
- 4 references
- Pictures of the vehicle
Other items may be required but your loan representative will cover those with you.
This part of the process can be done before you plan to sign your terms and collect your money. It only takes a couple minutes to conduct. We inspect the car to confirm what was in the picture you sent and that there aren’t major damages that would greatly decrease the street value of the car.
Finalize Your Loan
The loan terms you receive will be unique to you so that it fits your needs the best. We sit down with you and go through the terms like your interest rate and scheduled monthly payments. Everyone signs where it is needed and it’s done.
Collect Your Funds
Once you’ve signed the documents, you are free to leave with your money in hand. You get to go use your money however you like or how you need to.
Paying Off Your Title Loan
Once you have your money, it’s important to start planning how you will pay off the loan. Strategizing is always a great step to make sure that you stay on track with your payments and the balance. We even suggest paying it off early when you have the chance, and there are no prepayment penalties with TFC. This means that you won’t be charged any hidden fees for paying early.
In the end, it could save you a lot of money on interest.If you ever face any struggles with your payments, we encourage you to to express your worries. We can help you navigate through any struggles you may face.
At TFC Title Loans, the process for getting the best car title loans in Hayward is fast and incredibly simple. We help each step of the way. We make it a priority when it comes to understanding our customers, and helping our customers understand Car Title Loans. With over 20 years of experience in the title loan industry, we have been able to perfect the lending process so that it works best for our customers.
We always ask our customers how their title loan experience with TFC was. We take every review into consideration because we want to make sure we’re providing the best service we possibly can. We have client testimonials and even blog posts about real customers with real stories. We want to make sure you’re informed about TFC, and what TFC has done for other people. We don’t want you to miss out on all the benefits of the Best Car Title Loans in Hayward.
“At TFC Title Loans they were very helpful and had wonderful customer service skills. I will recommend this service for people that need help for the holidays. Thank you, guys!!”
– John Ault
TFC Title Loans are fully licensed and bonded by the DBO.