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What are the terms of car title loans?

By MattJones

If you’ve reached this page you definitely have questions about getting a car title loan and the terms of car title loans.  TNL Car title loans is here to help you answer those questions.  A common question people ask is:

What are the terms of car title loans?

Watch this video here or continue to read the article below.


The answer to this is:  It depends.  It depends on many factors and not every company will present the same interest rates, the same re-payment terms, the same amount of money.  If you’re looking to get a car title loan in California you need to understand a few things.  First, in California interest rates are not capped by any law as long as the loan is above $2,500.  The department of business oversight in California regulates auto title loan lending practices.

Some of the things that go into determining the terms of an auto title loan are as follows:

  • Age of your vehicle
  • Make of your vehicle
  • Model of your vehicle
  • Mileage on your vehicle
  • If your vehicle has a clean title
  • Your credit score
  • Personal references
  • Professional references
  • Proof of income
  • The condition the vehicle is in
  • And a few other things

TNL Car Title Loans provides a frequently asked questions guide to help you get the answers you need.

Terms of auto title loans:  Things you need to know…

Generally speaking when getting a car title loan the lender will give you an option to pay back the loan over 24 or 36 months–but these can be flexible.  Auto title loan companies generally do not have prepayment penalties–but make sure to ask before you get an auto title loan.  One thing you need to understand is that if you get a car title loan–the longer you take to pay off the loan the more interest you will end up paying.  If you are thinking of getting a auto title loan and live in California you can call The Net Lender at 888-539-2135 or fill out the application form on the website.  Our staff is professional and will take the time to answer your questions and help you move forward with a decision.  Our staff will not pressure you into making a decision, the decision is yours to make.


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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.

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