What do I need to qualify for a car title loan?

To qualify, you need a clean and clear pink slip for your vehicle, which must be paid off and have no liens against it.

How long does it take to get approved?

You can receive a preliminary approval within 15 minutes, and if everything is in order, you can get cash within one business day.

What is the maximum amount I can borrow?

Loan amounts typically range from $1,000 to $15,000, depending on your vehicle's value and your ability to repay.

Yes, you can fill out the application online, over the phone, or in person at our Southern California location.

What if I have bad credit?

Bad credit is not an issue for approval as long as you have equity in your vehicle.

What is the minimum order amount?

The minimum order amount is $75.00.

How can I return an item?

If you’re not satisfied for any reason, please call for a Return Authorization number. Have your original invoice ready.

What payment methods do you accept?

We accept VISA, MasterCard, American Express, cash, and cashier's checks.

What are your shipping methods?

We use UPS, FedEx, and U.S. registered mail, or can comply with your shipping preferences.

What is a payday loan?

A payday loan is a short-term loan intended to cover urgent expenses until the next payday.

How quickly can I get approved?

You can often get approved within minutes after submitting your application.

Do I need good credit to qualify for a payday loan?

No, many payday loans are available for individuals with bad credit.

What are the fees involved?

Fees vary by lender, but there may be charges associated with processing the loan.

What types of items do you accept for loans?

We accept a wide range of items including jewelry, electronics, musical instruments, tools, and more.

Do you perform credit checks for loans?

No, we do not check your credit score for loans.

What are your business hours?

We are open Monday through Saturday from 9:00 AM to 5:00 PM and closed on Sundays.

Is there a warranty on the products purchased?

Yes, all our products come with a warranty.

What types of loans do you offer?

We offer a wide variety of loans, including SBA loans, equipment financing, alternative loans, lines of credit, and more.

Is there a credit check during pre-qualification?

No, our pre-qualification process does not impact your credit score.

How long does it take to get approved?

Our streamlined process allows for quick pre-qualification, and upon application completion, funding can occur swiftly.

Are there hidden fees?

We pride ourselves on transparency, with no hidden fees and upfront communication about the loan terms.

What types of items can I pawn or sell?

You can pawn or sell items such as gold, jewelry, designer handbags, electronics, and various collectibles.

What are your loan options?

We offer flexible loan terms with a minimum repayment period of 1 month and a maximum of 4 months and 11 days.

What are your interest rates on loans?

The interest rate is 2.9% per month, which translates to 35% APR for loans borrowing 30%-50% of the liquid wholesale value.

How can I get a quote?

You can get a quote by visiting our website or calling us directly.

What is a payday loan?

A payday loan is a short-term, unsecured cash advance that you'll repay on your next payday, helping to cover unexpected expenses without incurring bank penalties.

How much collateral do I need to get a payday loan?

No collateral is needed; your job and regular income serve as your collateral.

What are the minimum requirements to qualify for a payday loan?

To qualify, you need a job or regular income, be at least 18 years old, and have a checking or savings account.

How fast can I get my payday loan?

Once qualified, you can receive your loan by 5 PM PST the next business day, if your bank processes electronic deposits.

What documents do I need to apply for a payday loan?

There are no documents to fax; all applications are processed online.

How will I know my loan approval status?

You will be notified by phone or email within an hour during business hours, or the next business morning if outside those hours.

When do I need to repay the loan?

Loan payments are typically due on your next payday, with loans lasting up to 30 days.

How much does it cost to apply for a payday loan?

There is no cost to apply; Cash Depot does not charge hidden fees.

Can I get a payday loan with bad credit?

Yes, Cash Depot does not check credit history, focusing instead on your current job and income.

If I have declared bankruptcy, can I still qualify?

Yes, as long as you have a job and receive a regular paycheck.

Can I obtain a payday loan if my income is from Social Security or a pension?

No, Cash Depot does not provide loans against retirement income.

What is a Short Term Loan?

A short term loan or payday loan is a small loan, usually between $100 and $1000, designed to help individuals cover expenses until their next payday. These loans are accessible regardless of credit scores.

How Can I Qualify for a Short Term Loan?

To qualify, you need to be at least 18 years old, have a valid bank account, be legally employed in the US, and meet income requirements, although you do not have to be employed.

What if I Have Multiple Jobs or I am Self-Employed?

If you have multiple jobs, disclose your primary job and provide details about others during your application. Self-employed individuals must show consistent income for at least 90 days.

Are Short Term Loans Expensive?

While they can have higher interest rates than traditional loans due to the risk, responsible use can minimize costs. Always repay on time to avoid unnecessary charges.

How Do I Repay My Loan?

Repayment details will be outlined in your loan agreement, usually withdrawn automatically from your bank account on the due date.

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