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How to Refinance Your Title Loan in California

By MattJones

If you are in need of money and have an emergency a title loan can be a way to get money very quickly.  If you have a current  loan you may want to lower your monthly payments, or lower your interest rate on your vehicle title loan.

Watch this video to learn more and continue to read the article below for more information:

Whatever the situation, TNL Car Title loans has helped thousands of people get money quickly for a financial emergency, and to help people refinance their existing pink slip loans in California.  Let’s cover some of the information that will be required so you can refinance your vehicle title loan:

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to get a new title loan or refinance your existing one

  • First, you will need to have possession of your title and a vehicle that you want to refinance.  If you have a current auto collateral loan then you will need information on who the lender is, and you can provide that to your new lender.
  • You will need full-coverage insurance on your vehicle — something you should have if you currently have a title loan.
  • You will need to provide detailed information, such as make, model, mileage, and the condition of the vehicle.
  • Many times a lender will want to see a proof of mileage and will run this information into a database to make sure it is accurate
  • The lender will require identification to prove you are who you are
  • You cannot be in a current bankruptcy
  • In most cases vehicles, unless they are a diesel truck, will not qualify if they have more than 200,000 miles on them
  • The lender will run your credit, however, a high credit score is not necessarily required to get a title loan
  • The main thing it will come down to is how much equity you have in your vehicle.
  • Verifiable of income of at least $1,200
  • Other forms of income such as rental income, dividends, etc.


Other important things to understand when refinancing your title loan:

Title loans are generally best used a short-term solutions, because the interest rates on them tend to be higher than traditional financing.  This is because of having a poor credit score you are a higher risk in the eyes of the lender of not paying what the lender is owed back.  You also need to understand that a lender is in business to make money.  The lender is not a charitable organization and depends on you paying your bill and earning interest on your loan to pay their bills.  So, in the event you do not pay your monthly payments the lender can repossess your vehicle and can also charge late fees and penalties if you do not pay your payments.

How fast can you refinance an auto collateral or pink slip loan?

In most cases you can refinance your current pink slip debt in as fast as 1 to 2 business days.  But, this really comes down to how quickly you can get the stipulations to the lender in California.  These include the proof of insurance, personal references, the mileage on the vehicle, the monthly income you make, and other things that the lender asks for.  The faster you move the faster you can get the money and refinance your existing loan or get a new title loan in California.

If you have any questions contact The Net Lender at 888-539-4724 or fill out the application form on the website.  Our staff will help you get the money you need quickly and without pressure or hassle.

If you live in California there are many things to do.

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