Title Loans in Stockton, California

HOW DO TITLE LOANS WORK IN STOCKTON?

Title loans in Stockton work by allowing you to pledge a qualifying car, truck, or SUV as collateral for the loan. If you are qualified, you can access up to half of your vehicle’s value and use your loan proceeds to cover a variety of personal expenses. From unexpected bills to financing large purchases, a title loan has your back!¹

Even though you are required to use your car title as collateral to guarantee the loan, you do not need to give up your driving privileges. Maintaining access to your car is possible with a Stockton title loan, but keep in mind that you are required to stay on top of your title loan payments during the repayment process.

If a title loan sounds like the right fit for you, call 855-422-7402 to speak directly to a loan officer and learn more about the application process. If you prefer to get started online, use ChoiceCash’s title loan calculator to get an instant title loan quote today!¹

WHAT DO YOU NEED TO GET A TITLE LOAN IN STOCKTON?

Whether you are applying from Stockton, Modesto, San Francisco, San Jose, or another city in California area, if you want to get approved for fast funding, you will need to meet the following title loan requirements:¹

• Have a Title to a Car, SUV, or Truck in Your Name
• Be Able to Provide Proof of Income
• Be of Legal Age to Apply for a Title Loan
• Have a Vehicle with a Sufficient Amount of Equity

If you meet the criteria for a title loan, it’s a smart idea to start gathering the documentation listed below in order to expedite the process and be as prepared as possible for your title loan application:¹

1. Vehicle Title: One of the most important documents you will need to complete your application is the title of your vehicle. As mentioned above, it must be in your name and in your possession at the time of your loan request.¹
2. Proof of Income: Collect a recent bank statement, pay stub, or another acceptable document in order to verify your ability to repay a ChoiceCash title loan in Stockton.¹
3. Proof of Stockton Residence: Be prepared to submit a recent utility or phone bill, lease agreement, or mortgage statement during your loan request to verify your current residence in Stockton.
4. Valid, Government-Issued Photo ID: Provide a valid driver’s license, U.S. passport, permanent resident card, or another qualifying photo ID to verify your age and identity when applying for a car title loan in Stockton.¹
5. Vehicle Information and Images: On top of providing some basic information about your vehicle, such as its make and model, you are expected to submit a few photos of your vehicle in order to verify its current condition and value.

After completing the initial pre-approval form and gathering your documents, you are on your way to completing your title loan journey! When you are applying for a ChoiceCash title loan in Stockton, you have the opportunity to submit your paperwork through the online portal, or you can send your documents to a loan officer through email or text message.¹

CAN I STILL APPLY FOR A STOCKTON TITLE LOAN WITH BAD CREDIT?

As mentioned above, you will need to be of legal age and have a title to a qualifying vehicle in your name in order to secure a title loan in Stockton. That being said, having a perfect credit score is not required to get approved for a title loan.¹

Although the average credit score in America is 698, your personal score may fall well below average if you are experiencing significant financial hardship. Typically, when your credit history is poor, it will be difficult for you to qualify for a traditional bank loan because you pose a higher credit risk to lenders than someone with a stronger credit score. With a title loan in California, however, you can expect a different experience. Bad credit scores may hold you back from a lot of financial opportunities, but title loans can often cater to individuals with lower scores because they are a type of secured loan.

As long as you can meet the lender’s application criteria and provide the correct documentation to verify your information, you can still qualify for a Stockton title loan with bad credit. If you’re ready to get connected to the financial help you need, fill out a short prequalification form online or call 855-422-7402 to reach a loan officer. Find out if you can unlock cash with your car’s title today!¹

HOW MUCH CAN YOU GET FROM A STOCKTON TITLE LOAN?

When you’re stuck in a tough financial situation, you’re likely searching for the maximum loan amount you can receive through a car title loan in Stockton. The average ChoiceCash title loan amount in your state is $13,798, but the amount you can personally access will be primarily based on your income and the value of your vehicle, along with other key factors. Generally, you can access up to $50,000 through a car title loan as a qualified resident of Stockton!¹

APPLYING ONLINE FOR CAR TITLE LOANS IN STOCKTON

Unlocking the financial help you need by using your car’s title as collateral for funding can be an option if you are a qualified resident of Stockton! If you prefer to skip the hassle of driving to a loan store, then an online title loan can be the solution for you. Check out the quick, three-step process for applying for online title loans in Stockton:¹

1. Click or Call: Start your loan request by completing a prequalification form online or calling 855-422-7402 to speak to a loan officer. If you begin your loan request online, you can instantly find out if you are pre-approved for funding.¹
2. Submit Your Paperwork: Upon initial approval, a ChoiceCash title loan agent will contact you and request a few documents to verify your income and other pertinent information.¹
3. Sign Your Loan Agreement and Get Your Money: If you are fully approved for a ChoiceCash title loan in Stockton, you’ll have the chance to review your electronic loan agreement before you sign on the dotted line. During this step, you can discuss your loan terms with your loan officer, and choose how to receive your funds. Qualified borrowers can choose between receiving their money via direct deposit, having a check sent to their Stockton address, or picking up their cash at a participating money transfer location in the Stockton area.¹

Don’t wait to find out if you are eligible for fast cash through title loans in Stockton. Call 855-422-7402 today!¹

HOW CAN I PAY FOR MY TITLE LOAN IN PERSON

Pay back your car title loan in Stockton at any MoneyGram location in California. MoneyGram is often located in convenient public stores such as Wal-Mart, Kroger, or CVS. Call 855-422-7402 to discuss your options with a loan expert, or see the map and location list below to see where your nearest MoneyGram is located: