Car Title Loans Frequently Asked Questions

3 MINUTE APPROVAL* I have read and agree to the Wireless Policy and Communication Consent, E-Sign Policy and Privacy Policy. No Credit OK Bad Credit OK Past Bankruptcy OK Repossession OK Approval in 3 Min* LOW Rates and Fees FRIENDLY Service	What is a Title Loan? Why should I pick your company? Do I need good credit to get a loan? Can I pay off my loan early without a penalty? How much can I borrow? How long does it take to get a car title loan? Do I have to go to the DMV? Are there any fees for a car title loan? How long do I have to pay back my loan? Does my car need to be paid off? Can I keep driving my car while I have a car title loan? Can you pay off my car title loan at another company? Are you an affliate of a car title loan company? Does my vehicle registration have to be current to qualify for a car title loan? Can I still get a car title loan if I lost my title? Do you accept Salvaged cars? How much does my car have to be worth to get a car title loan? Do I need to provide an extra set of keys? Do I need to be currently employed? How secure is my information? Why choose a car title loan over a bank loan? How long will it take to get approved? Can I still get a car title loan if someone else's name is on title with me? What documentations do I need to provide for a car title loan? What is your address? Back to Top What is a Title Loan? A car title loan is a fast way to borrow money using the equity in your paid off vehicle as collateral for a loan. Call us now for instant approval. Back to Top Why should I pick your company? We have one of the lowest rates. Clients are funded in 30 minutes or less. Our application fee is the same no matter how much you borrow. No credit checks. Friendly customer service that will work with you during these hard times. Back to Top Do I need good credit to get a loan? No, your credit history is not a factor. Your approval is based upon your vehicle's equity, vehicle's condition and your income. Back to Top Can I pay off my loan early without a penalty? Yes, we do not charge prepayment fees. You can pay off any portion of your loan at any time without incurring a penalty. We encourage you to pay back your loan as early as you like. Back to Top How much can I borrow? You can borrow anywhere from $2600 to $15000 depending on the wholesale value of your vehicle and your income. Please fill out the Application to see how much you qualify for. Back to Top How long does it take to get a car title loan? Your money will be ready in 30 minutes or less. Many car title loan companies advertise 30 minutes or less but in reality take much longer, even 24-48 hours. Some competitors request you to go to DMV to add them as lien holder. Back to Top Do I have to go to the DMV? No, we take care of the DMV work for you. No need to waste your whole day at the DMV which a lot of our competitors request in order to get a loan. Remember our entire loan process takes 30 minutes from the time you come to our office and leave with the money and your car. Back to Top Are there any fees for a car title loan? Yes, but we only charge $75 for application fee no matter the loan amount. Most of my competitors charge between 5% - 10% for loan amounts $5000 and over. Back to Top How long do I have to pay back my loan? Typically our loans are for 36 months but can range anywhere from 12 - 36 months depending on your situation. Remember we will never penalize you for paying extra or paying off early. Back to Top Does my car need to be paid off? No. Even if you have another car title loan on your vehicle, you may still qualify with us. Call us to find out how we can help you. Back to Top Can I keep driving my car while I have a car title loan? Yes, you keep the car and the cash while making your scheduled payments on your car title loan. Back to Top Can you pay off my car title loan at another company? Yes, as long as you have enough equity in your vehicle. Call us to find out how we can help you. Back to Top Are you an affliate of a car title loan company? No, we are the direct lenders. That’s why we can fund loans in 30 minutes or less. Call us now for instant approval. Back to Top Does my vehicle registration have to be current to qualify for a car title loan? No, we can take care of your DMV work and the fees can be deducted from your loan. Back to Top Can I still get a car title loan if I lost my title? Yes, if you've lost your title, we will help you obtain a new title to get a car title loan. If a lien is on record at the DMV, you must get a lien satisfy from the previous lien holder. Back to Top Do you accept Salvaged cars? Yes, we do accept salvaged cars but depends on the value of your vehicle. Call us for more information. Back to Top How much does my car have to be worth to get a car title loan? Your vehicle must have a wholesale value of at least $5000 in order to qualify for a car title loan. You can submit an Application or Call us and we will glady help you determine how much you can get. Back to Top Do I need to provide an extra set of keys? No, unlike many other car title loan companies, we do not require an extra set of keys. Back to Top Do I need to be currently employed? No, you can be on unemployment, disability or retired. All we need is proof that you receive enough income in order to make your monthly payments. We also accept co-signers if needed. Back to Top How secure is my information? The security of your information is also very important to us. We use Secure Sockets Layer (SSL) encription to protect the transmission of your information. Back to Top Why choose a car title loan over a bank loan? Most people choose car title loans because they do not qualify for traditional bank loans. Car title loans are also processed more quickly and have fewer requirements than bank loans. Back to Top How long will it take to get approved? You will be approved in minutes during office hours and notified first thing the following business day for application received after hours. Back to Top Can I still get a car title loan if someone else's name is on title with me? Yes, only if it has an "or" between both names. Example - John Doe or Jane Doe. If it says John Doe "and" Jane Doe or John Doe "/" Jane Doe both persons will need to sign for the loan. Back to Top What documentations do I need to provide for a car title loan? You will need to provide the following: 1. Certificate of Title (Lien Satisfy or Lien Release acceptable) 2. Registration 3. Proof of Insurance (Full coverage with maximum $1000 deductible) 4. Proof of income (2 recent paystub or 2 months bank statements) 5. Driver's License (Must be 18 years or older) 6. Proof of Residence (Current utility bill) 7. 5 References (Family and friends) Back to Top What is your address? 1300 West Olympic Blvd., Suite 204, Los Angeles CA 90015.

Need Help? Call: 888-712-5461

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Copyright © 2024 One Way Financial, LLC. 1300 West Olympic Blvd., Suite 204, Los Angeles CA 90015. All rights reserved. Credit and collateral are subject to approval. Terms and conditions apply. This is not a commitment to lend. Programs, rates, terms and conditions are subject to change without notice.

One Way Financial, LLC dba One Way Title Loans. The terms and conditions set forth within the “General Terms and Conditions, up to and including but limited to the “Wireless Policy” applies to all One Way Title Loans owned or operated websites in the aforementioned “DBA’s”

One Way Financial, LLC dba One Way Title Loans may act as the broker for the loan, and may not be the direct lender or servicer of your loan. All loan applications are subject to meeting underwriting and credit criteria, which includes providing acceptable property as collateral. The actual loan amount, term, and Annual Percentage Rate of the loan that an applicant qualifies may vary by applicant. Minimum loan amounts may vary by state. Consumers need to demonstrate the ability to repay the loan. Credit Approval is subject to the credit criteria standards. Inquiring for a personal loan and its minimum requirements does not impact your credit score, however, completing a full application may affect your credit score.