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Premium Loans FAQ's


Q: What is a car title loan in San Francisco?

A: A car title loan is a loan that someone gets after handing over his or her pink slip to a lender as collateral. Title loans are based upon car value, so credit history is not a factor in the approval process. Since no credit checks are involved, the approval process is very quick. Premium Loans title loans are a great option for people without good credit and people who need a loan as soon as possible. Many Californians turn to title loans when they need to take care of an emergency expense, because you can drive off with cash in as little as 24 hours.

Q: Can I get a title loan and keep my car?

A: Absolutely! You get to keep your car the entire time, because a lender only needs to hold onto your pink slip as collateral. You can continue to drive around San Francisco while you make title loan payments. Once you have finished paying, your pink slip will be promptly returned. You can easily get the money you need without altering your daily routine or giving up your method of transportation. Most borrowers drive off with cash in the very same car they used to get their title loan.

Q: Do you perform credit checks?

A: We never perform credit checks, because your pink slip loan is based on the current market value of your car – not your credit score. Your report will only be pulled to verify your identity, so you can be approved with a good, bad, or nonexistent score. The lack of a credit check also means you can collect your cash faster than ever. In fact, you can apply today and drive off with deeper pockets tomorrow. Many San Francisco residents rely on car title loans if their credit is less than perfect and they need a quick financial boost. Simply hand over your pink slip for a short amount of time and get your money regardless of your credit score.

Q: Can I pay off my Premium Loans title loan ahead of schedule?

A: You are free to pay at a pace that is comfortable for you. A majority of our lenders allow you to take as long as 42 months to pay, but you can pay ahead of schedule without being penalized. We never charge prepayment penalties, because you deserve to quickly write off your loan without having to pay anyone for the privilege. When it comes to car title loans, there are no strings attached and no hidden fees. What you see is what you get!

Q: How much does it cost to apply for a CA title loan?

A: It costs absolutely nothing to fill out the online form on the side of this page, so go for it! Once you have provided your contact and car information, you will be sent a free pre-approval quote. There is no obligation to accept the title loan offer if you do not like what you see, so you really have nothing to lose. Find out how much you can get with no obligation today!

Q: What do I need to get a pink slip loan?

A: We know you need money as soon as possible, so we do not make you jump through hoops or fulfill a long list of requirements. Here’s a list of what you will need to get a pink slip loan in San Francisco:

  • Free and clear pink slip in your name
  • State-issued ID
  • Proof of car insurance
  • Proof of residence (a phone or utility bill will work)
  • Proof of income (social security or disability awards letters are acceptable)
  • References
  • Extra set of car keys

Once you speak with a title loans representative, he or she can provide a more in-depth explanation of the specific documents you will need to produce.

Q: How do title loans work?

A: There are only three easy steps standing between you and your cash. We have made the application process quick and easy, because we know how important it is to get your money and get on with your life. To begin, fill out the form on this page and review your free quote. Next, speak with one of our representatives to set up the terms of your title loan, including a flexible repayment plan. Lastly, pick up your cash from one of the hundreds of stores located throughout California. It’s that easy!

Q: How do I get in touch if I have additional questions?

A: For your convenience, we have assembled a group of title loan experts. Each team member knows the ins and outs of the industry and can help you identity the best loan option for your individual needs. We provide around-the-clock customer service, so you can get thorough answers to your title loan questions no matter what time of day or night it may be. Dial our toll-free number and we will be happy to help in any way we can.

Call us today, we are here to answer all of your title loan questions in San Francisco. If there are any title loan questions we haven't answered about, don't wait, call us today!

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