Auto Title Loans in Santa Rosa

Have you lost your job and been unemployed for several months? Is it affecting your family in an adverse way? Is it because you did not have any emergency funds in place to prepare for the unexpected? Don’t worry. You are not the only one. In fact, many Americans and residents of the city of Santa Rosa, California don’t even have enough money to start an emergency fund because of having struggles with their existing financial situation. If you are facing high medical bills due to a long term illness, it could be cause for your financial trouble. No one is perfect. So, while you could have handled your finances better in the past, a title loan could give you a new lease on life. However, you must take action today and don’t want for our finances to spiral out of control. You can remedy the situation by applying for a title loan quote today.

Car Title Loans

With a car title loan, you will have leverage to handle your financial situation. The loan is short term, usually lasting thirty days, but in some cases, sixty days after you sign the contract agreement. Most lenders in California will give you a percentage of the fair market value of your vehicle. Usually, it is 25% of the value. If you have a luxury vehicle with a free and clear title, you may get 50% of the value of the vehicle as your loan amount.

About Santa Rosa Car Title Loan

The city of Santa Rosa is located in Sonoma County. In 2014, the United States census data indicated that the population was 174,170. Touted as the largest city in the state of California, this city is vibrant and known for its many wineries. In 2007, the Chamber of Commerce labeled the city as the “Cornucopia of California. Learn more about the city at the official website.

Local Department of Motor Vehicle

Address: 2570 Corby Ave, Santa Rosa, CA 95407

Phone: 800-777-0133

Website

Title Loan Laws

Title loans are governed by the California Finance Lenders Laws, allowing a lender to provide a short term loan to a potential borrower in exchange for a vehicle that has a title that is free and clear. The borrower is allowed to drive the vehicle while paying on the loan. The interest rate for a loan less than $2,500 can be no more than thirty percent.  

Department of Police

Police Chief – Hank Schreeder

Address: 965 Sonoma Ave, Santa Rosa, CA 95404

Phone: 707-543-3600

Website

Consumer Rights

You can contact a consumer rights lawyer in your area, if you feel your rights have been violated. Below are a few:

Law Offices of Joseph R. Kafka

Phone: 408-993-8441

Website

Bohn & Fletcher, LLP

Phone: 408-675-5491

Website

Application Process

The application process for a title loan is fast. It is faster than the process that you would have to go through if you go to a traditional lender. Take the step to obtain a title loan in California by completing an online application. After you submit the application, we also serve title loans in San Francisco. You will be contacted by the lender to get more details about the vehicle such as the:

  • Make
  • Model
  • VIN number
  • Year manufacturer

The lender will use this information to accurately assess the value of the vehicle using Kelley Blue Book. You will then receive a percentage of the vehicle’s value as your loan amount. The lender will ask you to submit:

  • Proof of income
  • ID card or driver’s license
  • Original title

Document requests are minimal, unlike traditional banks. So, it is in your best interest to get funding from a title loan, especially if you need urgent cash.

The Benefits

There are many benefits associated with a title loan. You are on your way to getting the cash you need to solve your financial issue. Once your situation has been resolved financially, you then can use this loan approval as leverage. How? Pay your loan on time and the creditor will report to the credit bureau that you have. In so doing, you will be able to increase your credit scores and improve your credit rating. If you had no credit before, a title loan will allow you to build a credit history.

 

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