After you have been denied for an auto title loan, all hope is not lost. No matter what went wrong during your first attempt, here are several steps you can take to make sure you get the money you need the next time around.

Make sure your car’s title is clear.

This is one of the most important steps to successfully receiving an auto title loan. All lenders require the original title to the vehicle showing full ownership. They may also ask for government-issued identification matching the name shown on the title.

Make sure you don’t have a salvage title.

If you have a salvage title, which denotes that your car has at one point been deemed economically unfeasible to repair by an insurance company, this may also cause problems. Try your best to avoid asking for a salvage title loan.

Pay off any liens on your car.

If your car has any prior liens, even ones that you didn’t know about, lenders will not want to provide you with a loan. This is because current liens show that for whatever reason, you were unable to pay off the lien before requesting another. This does not bode well for your ability to pay back the loan you are attempting to get either. Even if money is tight, make sure you pay off any pre-existing liens on your car before asking for a title loan.

Buy insurance for your car.

Many lenders will want to see that your car is insured, so make sure you do in fact have insurance as well as proof. In some cases, lenders may ask you to purchase more insurance for your vehicle to ensure greater coverage. This is a fair request, since they will be the ones holding the title for the duration of the loan.

Make sure you have documents that show your ability to pay off the loan.

Not all lenders require this type of paperwork, but it might help your case to have recent paystubs or other documents on hand proving your ability to pay off the title loan.

Ensuring that your car’s title is clear and not a salvage, your vehicle is fully insured, and you have proof of your ability to pay off a loan are fundamental auto title loan tips. By following these steps, you will have a much better chance of receiving the loan you request. Try City Loan’s services and we will make sure that we walk you through the entire loan process from start to finish. Call us at 1-800-910-6758 to get started today.


Are you going to head to an auto title loan lender for extra cash in Downey, CA? Is the cash a necessity or for something extra like taking your family to The Columbia Memorial Space Center or maybe going on a fun trip to the Downey History Center? The title loan lender is not going to stop and ask those kinds of questions, it is not a loan requirement. Banks and credit unions will want this information, as their process is much different.Downey CA

What you will use the money for or why you need it so urgently are not questions which apply to an auto title lender. There are no intrusive questions which apply to the cause of the financial emergency. What a title lender wants to know is based around the payoff. Because these lenders work with what are normally “riskier” applicants, the payoff is the focus for the application.

  • What condition is the car in? Since the title loan is secured with the title to your vehicle, the value of the vehicle is extremely important and an evaluation will be done by lender provided appraiser. The auto title loan lender will need your vehicle on the premises in order to process the application.
  • Do you own the title clear out? Bring the title with you. Your title will not work if it belongs to another party or if there is a lien placed on it. The title lender needs to protect their interest since this is their only way to collect if the loan goes into default.
  • Do you have your California driver’s license with you? There are many factors which relate to this qualification. The photo ID lets the lender know who they are working with and that it matches the owner listed on the title.
  • Show proof of employment. Even though the loan is secured with the pink slip, a lender will ultimately prefer payback in the form of money. This information gives the lender that you have the means to pay off the title loan.
  • Bring in a current utility bill to prove your residence. Often times a license will not have the most current address. Since utility bills are paid each month, you will need to provide the most recent one.

A bank’s application involves pages of documentation and questions to answer. The approval process may takes weeks and include an interview with the loan officer to find out more information. An auto title lender will not waste your time; as long as you bring in all the qualification information, once your car is assessed, you will know right away whether or not your application has been approved. Imagine driving away with the money in your pocket in what could be less than an hour! Fast money is simple when you use an auto title loan in Downey, California.

Who doesn’t want to experience quick loan approval? People apply for credits only when they are standing on the verge of any emergency. You may also face such crises in life. Instead of rushing to banks or traditional financial institutions, you can try Car Title Loans in Downey region.
We understand the financial need of our clients better and don’t embarrass them by asking about their credit history. We are least bothered about the bad credit background of yours.
We only want you to submit the Kelley’s Blue Book to prove the ownership of your vehicle that you will have to keep as collateral with us. The car is all yours as soon as you pay back the credited amount.