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Yes, You CAN Get A Loan Online With Bad Credit!

By Casey R

Do you find yourself in a dangerous financial situation in need of getting a loan quickly and may have a poor credit or a bad credit history?  Rest assured, there is hope out there.  The Net Lender, one of California’s premier auto title loan lenders, may be able to help you get money in as little as 24 to 48 hours–even if you have bad credit.  How is this possible?  One option you can consider is getting an Online Car Title loan.

It should be important, first and foremost, to understand how an online loan can work even if you have bad credit.  So, let’s discuss how online title loans work in more detail.

TNL focuses on primarily lending to people in the state of California.  TNL offers pink slip loans, also known as vehicle collateral loans or car title loans.  Let’s cover the basics of how these work so you can understand what your options are for getting a loan fast if you have bad credit or a poor credit history.

A car title loan works on borrowing against the equity in your vehicle.  So, the first thing you need is to have equity in your car, pickup truck, van, or motorcycle.  There are situations, however, when you can qualify for a low vehicle loan program.  So, in most cases you will need to have a vehicle free and clear and completely owned by you or someone who is willing to get a loan on the vehicle.  In some situations, you can get an Online car title loan even if you don’t have the car paid off completely and possession of the title, however, this would involve taking your current vehicle loan and putting it into the title loan.

What are the other requirements to get an online title loan even if you have bad credit?  Let’s cover these right here.

First, you must have equity in the vehicle to be able to get a title loan.  Normally, lenders will only lend up to 60-80% of the value of the car, so it is likely that the lender will require the vehicle to be paid off, and at least worth $4,000 or more.  The lender is taking what is called “a financial interest” in your car, so you need to understand that the company making the loan will also want you to have insurance coverage on your vehicle for full coverage.  The lender will verify this because it wants to make sure that you are able to pay off the loan if you are in an automobile accident.

The other criteria generally are the make and model of the car, the age of the car, the condition of the car and if it is a salvage title or a clean title.  Vehicles, unless they are diesel pickup trucks, generally won’t qualify if they have over 200,000 miles on them.

As far as getting a loan for a title with bad credit you will need to provide the following information:

  • Several pictures of the car
  • A picture of the odometer
  • Proof of income of at least $1,200 a month
  • Proof of insurance
  • Possession of the title
  • Identification
  • Personal References
  • Professional References

If you can provide that information then you should call one of The Net Lender’s friendly representatives today at (888) 663-7074 and they can help you figure out how much money you can borrow.  Rest assured, the staff is professional and you will not be forced into a high pressure sales pitch or bugged endlessly when you call.  We want you to make the best decision for you.  If you have a financial emergency the last thing you need is to have more stress in your life.  Call us today at (888) 663-7074 or fill out an application form on the website and someone will be in touch with you shortly.


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Jill Banner

Highly Recommended by My Neighbors

I came in directly after my work shift and was worried due to the time restraints to get my loan processed in time. Everything went smoothly and quickly but most importantly, efficiently. Very friendly staff. I would recommend TNL for any person needing money quick.
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Jeremiah Lutes

Restored My Faith in Loan Agencies

I am the head of the household and I know that pressure one can get from bills and discrepancies in your credit. I used my car I bought before I got married and it turned out to be  such a lifesaver for me. I took out about half of what I was offered and wasn’t pressured any further. Thank you and hopefully my car will be eligible again if need be.