How do Car Title Loans work?

Title loans are loans where you borrow of the equity in your vehicle.

What are the requirements in obtaining a Car Title Loan?

Here are the requirements:

Fair Auction Value of at least $3,500
Clean California DMV Title
Current DMV Registration
Proof of income
Full coverage insurance
Valid driver’s license
Recent Bank Statement

What is the minimum and maximum amount we can lend?

Our minimum loan is $2,510 and the maximum is $50,000.

How much does the car need to be worth?

The car needs to be worth at least $3,500 to be approved for the minimum loan amount. There might be some instances where we can make an exemption.

Does the customer have to be a California resident?

Yes, you have to be a resident of California.

Can I still drive my car while I have a loan with Simple Car Title Loans?

Absolutely! The best thing about a Car Title Loan is you get to keep and drive your car.

Who doesn’t qualify?

Anyone who is regular or reserve member or dependent or spouse of a regular or reserve member of the Army, Navy, Marine Corps, Air Force or Coast Guard , serving on active duty under a call or order that does not specify a period of 30 days or fewer.

Is there a pre-payment penalty?

There is no pre-payment penalty on a car title loan. We also recommend our customers to pay more than the required monthly payments so that they can pay off their loan sooner and pay less in interest.

How long does it take to process a title loan?

The process normally takes anywhere between 30 minutes to an hour depending if all the requirements presented meets all the criteria to qualify for the loan.

Do we charge anything to see if I qualify for the loan?

There are no quote or estimate fees.

How do we fund the loan?

We fund it by providing a check for the loan amount that they can cash with us for a minimal fee.

Do I have to go to the DMV?

No! We’ll make it easy for you. We will take care of all DMV paperwork. All you need to do is come in and bring all the necessary documents to approve your loan and we will take care of the rest.

How long do we normally write the loans for?

We typically write a 36 month loan.

Do we lend on classic cars?

Typically no but we will treat this on a case per case basis.

Does my car need to be paid off?

Not necessarily but in most cases it does. We will look at each loan on a case by case basis. You have our full commitment to helping you with your individual situation.

Do I need to be currently employed?

No. We do need to know that you have source of income that keeps you the capability to pay off the loan. If not, you may need a cosigner in order to get the loan considered and approved.

Can I be on disability or retirement?

Yes. As long as you have some form of verifiable income we can help.

Can I still get a car title loan if someone else’s name is on the title with mine?

Yes. However, the other person listed as the owner of the vehicle must be present upon approval to sign the necessary documents to fund the loan.

I don’t have full insurance coverage; do I really need it to qualify for a loan?

Full coverage insurance is required in all car title loans. All car title loan companies require this to cover your vehicle in the event of an accident.

I know my car will qualify for a car title loan but I only need $1,500, can I still get a loan?

The minimum amount that we need to lend is $2,510.

I have a car title loan with someone else; can I refinance and get a better rate and/or get additional money out?

Yes you can. We can do either or both depending if your title loan was done correctly by your current loan company and if the vehicle is still in good shape. Let’s run your vehicle and look at your balance and we’ll do the best we can to help you out.

Does my name need to be in the title for me to get a title loan?

You don’t have to but the title holder must be present when we fund your loan.

What is the interest rate on the loan?

The interest rate will vary based on a lot of different circumstances. We will do our very best to offer you the best rate possible.

I recently filed for bankruptcy but I have a job, can I still get a title loan?

You can if your bankruptcy file has been discharged but if not, unfortunately we won’t be able to fund you a loan.

There is another person in the title of my vehicle; do they need to be present in order to get a car title loan?

It depends, if the title says your name and “and” another person then yes but if says “or” then they don’t have to.

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*Subject to state regulations, eligibility, and approval. See rates & terms.
**Car Title Loan Customers can get funds in as little as 30 Minitues. Most customers get funds within 1 business day.

1 800 Title Loan may act as the broker for the loan, and may not be the direct lender. All loan applications are subject to meeting our credit criteria, which includes providing acceptable property as collateral. Consumers need to demonstrate ability to repay the loan. 1 800 Title Loan is licensed or registered as a finance lender as required by applicable state law and does not offer or service student loans and mortgages. Loan proceeds are intended primarily for personal, family and household purposes.
Licensed By The Department of Business Oversight pursuant to the California’s Financing Law
​Simple Car Title Loans
15416 Devonshire St. Mission Hills, CA 91345
Phone: (877) 477-4417

We offer car title loans to the following Los Angeles Zip Codes:

90001, 90002, 90003, 90004, 90005, 90006, 90007, 90008, 90009, 90010, 90011, 90012, 90013, 90014, 90015, 90016, 90017, 90018, 90019, 90020, 90021, 90022, 90023, 90024, 90025, 90026, 90027, 90028, 90029, 90030, 90031, 90032, 90033, 90034, 90035, 90036, 90037, 90038, 90039, 90040, 90041, 90042, 90043, 90044, 90045, 90046, 90047, 90048, 90049, 90050, 90051, 90052, 90053, 90054, 90055, 90056, 90057, 90058, 90059, 90060, 90061, 90062, 90063, 90064, 90065, 90066, 90067, 90068, 90070, 90071, 90072, 90073, 90074, 90075, 90076, 90077, 90078, 90079, 90080, 90081, 90082, 90083, 90084, 90086, 90087, 90088, 90089, 90091, 90093, 90095, 90096, 90097, 90099, 90101, 90102, 90103, 90174, 90185, 90189