Are you looking for a fast way to build credit? Then consider taking out a title loan from Car Capital Financial. Getting an installment loan is an excellent way to build credit, so why not call us at 1-888-500-9887 now?

Building credit is essential for many of us, as it allows us to gain a good credit score which makes purchasing property, cars or taking out any kind of loan a much easier process.

However, if you don’t have a credit history, you may be wondering how to start. Luckily there are many simple but effective ways you can start building a credit history as soon as today!

Regularly Use Your Credit Card

Getting approval for a credit card doesn’t automatically mean you will have a credit history. You need to regularly use your credit card and consistently pay off your balance on a month to month basis to begin building significant credit history and in turn gain a good credit score. By all means don’t overly rely on your credit card, but do use it regularly for items you can afford to pay off by the time your next statement is due, as this will help you gain a credit history and increase your score fast.

Get a Secured Credit Card

If you are unable to get approved for a regular credit card, consider applying for a secured credit card instead. These cards work similarly to a conventional credit card only that a cash deposit is required. Usually the amount of cash you put down as a deposit functions as the secured credit card’s credit limit. Although this may not sound like a good deal, it will actually allow you to build credit and improve your chances of getting approved for a regular credit card in the future. If you successfully manage a secured credit card, this can be an excellent way to build credit  fast.

Take Out an Installment Loan

Taking out and paying off an installment loan demonstrates financial responsibility and that you are capable of managing borrowed money wisely. Therefore, taking out an installment loan (such as a title loan or auto loan) is a great way to improve your credit score and build your credit history. As long as you can pay back your installment loans consistently on time and don’t ever default on your loan, this method should allow you to get the credit results you want in relatively little time.

Get a Mortgage

Instead of paying rent on someone else’s property each month why not purchase property and apply for a mortgage? If you are approved, paying your monthly mortgage payments will reflect very well on your credit score and allow your credit to grow considerably. Of course only take out a mortgage if you are financially stable enough to commit to one. If your finances are healthy enough this is a great investment in both your credit and your financial future.

Have a Savings Account

Having an active savings account shows financial responsibility and the ability to manage money well, which should allow you to get approved for credit cards more easily and even for your credit card limit to be extended. Even if all you can put away in your savings account is as little as $25 a month, still do this, as this will be perceived very favorably by lenders and credit card companies.

Car Capital Financial

If you need to build credit fast and live in Southern California, get a title loan from Car Capital Financial. We award title loans to clients from all over Southern California that are worth thousands of dollars and that are repaid in installments over a course of three years.

We award title loans extremely quickly, often on the same day of request and in some cases in as fast as 30 minutes! Title loans are issued based on your ability to repay the loan. To get your loan today call us at 1-888-500-9887 right now!

 

If you need to raise money fast and own your car in full, then consider a car title loan from Car Capital Financial. We deliver title loans fast to Southern California residents, often on the same day of request and in many cases as fast as 30 minutes. We don’t check your credit, making us one of the most reliable and fast no credit check title loan companies out there.

Call us now at 1-888-500-9887 to get the money you need today!

If you’re interested in getting an auto loan but have bad credit, read our tips on how to score the very best car loan for people with bad credit here:

Getting a Car Loan With Bad Credit

Do you need to buy a new car but have bad credit? Then you may think that getting approved for an auto loan is out of the question. Luckily, this doesn’t have to be the case, as there are many ways you can improve your chances of getting a car loan, even if you have a bad credit score.

While it’s true that getting a car loan if you have bad credit isn’t as easy as for people with average or good credit scores, here are the best ways you can improve your chances of loan approval:

1. Improve Your Credit Score

Car loans for bad credit users are achievable, but to make things easier for yourself you may want to take active steps to boost your credit score before you shop for auto loans. Easy ways to give your score a boost include paying off substantial debts, always paying at least the minimum payment each month and keeping your balance on your card as low as you can. Rebuilding your score may take anywhere from a few  months to even a whole year to see major improvement, so you will want to start taking steps to boost your score as soon as you can.

2. Shop Around

Just because one auto loan company turns you down on account of your poor credit score doesn’t mean they all will, so definitely be prepared to shop around and apply to multiple companies. This will increase your odds of approval and also allow you to see exactly what’s out there. You may also want to do a little research online to see which companies are more likely to approve auto loans for bad credit holders. In addition, there are some companies that specialize in awarding bad credit car loans, but they do typically tend to charge much higher interest rates.

3. Bring Someone With You

When you’re shopping for auto loans in person, auto loan employees can easily try to intimidate you and not offer you the best deal based on your bad credit score. However, if you bring someone along with you, whether it’s your partner or friend, this might make negotiating a good deal a little easier and less intimidating. Try to find someone that has experience with negotiating auto loan terms and conditions, and ask them if they can help you for the day.

4. Explain Why You Have a Bad Credit Score

If your bad credit score isn’t a long term thing, and rather due to an unexpected emergency, such as a high medical bill, then explain it to the auto loan dealer. Bring any past credit reports that show your score was good before this occurred. Also list any actions you are taking to improve your credit score. Owning responsibility and demonstrating how you’re working toward boosting your score should impress auto loan dealers, which could very much work in your favor.

5. Consider Refinancing Later On

If you accept a car loan but it has high interest rates because of your bad credit, consider refinancing in a year or two. Once you’ve rebuilt your credit score you’ll likely be able to refinance your loan at a much lower interest rate, making for lower loan payments each month. Therefore, your high interest car loan will only be temporarily, and eventually you will be able to score yourself a much better deal.

Bad Credit is OK Auto Title Loans

There are two main type of car loans out there – auto loans (such as the one described above) and car title loans.

At Car Capital Financial, we specialize in awarding title loans to people from all over Southern California. If you own your car in full (or have almost paid if off) and it has a wholesale value of at least $5000, then you very likely qualify for one of our title loans.

Our title loans work by us awarding you with an amount based on the value of your car (typically in the range of many thousands of dollars) in exchange for us taking temporary ownership of your car’s title (the “pink slip”). You will then have up to 3 years to gradually pay back your loan to us in installments, during which you’re free to drive and use your vehicle as much and however you want.

We don’t do a credit check, so good or bad credit, you may still get a loan from us!  Title loans are issued based on your ability to repay the loan.

To get your loan today, call us now at 1-888-500-9887!

 

If you are in need of a fast way to pay for an emergency or pay off debt, you may be considering taking out a credit card. Before you do, consider a title loan with Car Capital Financial instead.

We are a leading Southern California title loan company, that delivers cash loans to our clients often on the same day of request and in many cases in as fast as 30 minutes!

If you need cold, hard cash now to pay for your unique financial needs, call us at 1-888-500-9887 to get your money today!

And if you’re still curious about what a secured credit card is and how to get a secured credit card, read on:

What is a Secured Credit Card?

A secured credit card is a type of credit card that works differently from the traditional credit card by requiring a cash deposit. This deposit provided by you will usually serve as the line of credit. For example, if you provide $500 as a deposit, your total line of credit will be $500.

At first glance this may not seem like a great deal, especially because a cash deposit is required, but it is an excellent method for people with bad credit to rebuild their credit and increase their chances of getting approved for a traditional credit card in the future.

Before you apply for a secured credit card, consider the pros and cons to getting a secured credit card:

The Pros:

•  Helps Rebuild Credit – If you’ve been refused approval of a regular credit card because of your bad credit or have no credit history, a secured credit card can be a great solution. Approval of secured credit cards for bad credit holders is common, as many people see this as one of the cheapest and most reliable ways to rebuild their credit score and eventually get approved for a traditional credit card. If you want to boost your credit score fast, getting a secured credit card is an excellent way to do so.
• Low Fees – Some regular credit cards charge high fees but luckily many secured credit card companies typically only charge a low annual fee for using the card, which can be as low as $25. For anyone that wants a credit card minus the pricey fees, a secured credit card can be a great solution.
• Easy to Get – As long as you have enough cash to put down as your deposit, you will likely get approved for a secured credit card. The deposit serves as collateral and financial security on the credit card companies behalf, so they will typically be more willing to approve applicants (regardless of their credit score) compared to traditional credit card companies.

The Cons:

• A Cash Deposit is Required – The cash deposit can also serve as a major con. If you don’t have cash to begin with, you won’t be able to get a secured credit card. For those that are in desperate financial need and need a credit card to pay for things they’re not currently able to do so with cash, a secured credit card simply isn’t an option. Only consider taking out this type of credit card if you have enough cash for the deposit.
• The Amount of Credit is Very Limited – The credit limit awarded to a secured credit card user is mostly only the value of the deposit, and as a result the line of credit will always be limited to what you can afford to put down as a deposit. If you want a credit card to cover expensive emergencies, you will probably be better off trying to take out a regular credit card with a larger credit limit.
• High Interest Rates – Many secured credit cards will charge higher interest rates than regular credit cards, making it imperative that you pay off your credit balance each month to avoid the steep fees. If you don’t think you’ll be able to pay off your credit card charges in full each and every month, a secured credit card probably won’t work out well for you.

Car Capital Financial – A More Valuable Option

If you don’t have the cash needed to set up a secured credit card or want to raise actual cash rather than depend on credit cards for purchases, then get a title loan from Car Capital Financial.

We deliver loans to our clients based on the value of their vehicle and your ability to repay the loan. Our cash loans can be delivered to you within hours, call us at 1-888-500-9887 to get your money now!

 

Do you need money to cover an emergency? Do you need to raise money now to cover an urgent financial need? Then call Car Capital Financial at 1-888-500-9887 now to get a title loan in as fast as 30 minutes!

We specialize in delivering title loans to those facing financial emergencies, and have been delivering fast, secure and reliable loans to our clients for over 20 years. If you live in Southern California and own your vehicle, give us a call to get your money today.

And if you’re interested in taking out a credit card, but have a poor credit score and are concerned how this will affect your chances of getting credit card approval, read on to get our credit card for poor credit holders advice:

Credit Cards for People with Bad Credit

If you have bad credit it’s true that you may have a harder time in getting a credit card approved, but it’s by no means impossible. Even if you’ve already been turned down by credit card companies due to your bad credit history, there are certain ways you can boost your application and increase your chances of getting credit card approval.

Here are our top 5 tips for getting credit cards with bad credit:

1. Get a Cosigner

Much like with a mortgage or a lease on a car, bad credit holders can also get a cosigner to sign on to their credit card agreement. If you know someone you can trust, who has a stellar credit score and history, you may want to consider asking if he or she will be willing to cosign. Just make sure that you will be the only one to use the credit card because  if the cosigner is also able to use the credit card and racks up debt you will still legally have to pay if off. This can be a good credit card solution for bad credit holders, but only if you can truly trust the cosigner.

2. Choose a no Credit Check Credit Card Company

There are some no credit check credit cards companies that won’t even request to see your credit card score and often advertise themselves as “no credit check” companies. However, often these cards come with various strings attached, such as exceptionally high interest rates and various other hidden fees attached. The credit limit may also be very small in order to reduce the risk on the credit card companies side of the deal. Look into this option by all means, but be aware of its potential shortcomings as well.

3. Explain Your Poor Credit Situation to Credit Card Companies

If your poor credit score is due to an unexpected emergency (such as a high medical bill) and was a good number prior to this event, you may want to explain this to credit card companies. Provide documented proof that your credit score used to be higher and demonstrate any ways in which you are working toward improving its current score. This should show the credit card company that you’re not financially irresponsible which may persuade them to approve your card application.

4. Have Money in the Bank

Demonstrate to each credit card company you apply to that you have a significant amount of cash in your checking and saving accounts. Print off bank statements and attach them to your application as this demonstrates that you’re not spending every single cent you earn, and are thus less likely to solely rely on credit cards.

5. Apply for a Credit Card that has a Low Limit

When it comes to getting a credit card with bad credit, one of the easiest ways to get approval is to apply for a card that has a low limit. The lower the limit the less the credit card company has to lose, and thus should be more accommodating in approving your credit card application. Aim to apply for a card with the lowest possible limit, and this should significantly increase your odds of getting approved.

Car Capital Financial

Credit cards are great for certain things, but if you need to raise actual cash, Car Capital Financial can award you thousands of dollars with our title loans today.

If you live in Southern California and own a vehicle that is worth at least $5000, then you qualify for one of our title loans. Title loans are issued based on your ability to repay the loan. To get your cash, call us now at 1-888-500-9887.

Do you want a new car but have bad credit? One fast way to raise money regardless of your credit score is to take out a title loan with Car Capital Financial, a leading title loan company in Southern California. We will lend you thousands of dollars based on the value of your car, giving you enough cash to buy a new one!

Call us at 1-888-500-9887 to get your loan and the cash you want now!

And if you’re still considering your options read on to find detailed options and solutions for getting low interest car loans for bad credit:

 How to Score Auto Loans with Bad Credit:

Just because you have bad credit doesn’t mean you can’t still get a good deal on a car loan. Traditionally car loan lenders are reluctant to lend to bad credit holders because they worry they will default on the loan and as a result if they do award them with a loan they often charge higher interest rates . However, there are some ways you can work around this and still get a great deal, and some of these ideas include:

1. Go Through a Specialist Company

There are some car loan companies out there that specialize in awarding auto loans to bad credit holders and as a result they may charge you lower interest rates than what you’d get through a traditional auto loan company. A quick online search will reveal a ton of specialist bad credit auto loan companies so be prepared to contact as many as you can and shop around for the very best deal.

2. Consider a Title Loan

As earlier mentioned, a title loan is an excellent way to raise cash fast if you already own a car in full or only have a few remaining payments left. A title loan works by awarding you money based on the appraised value of your car, which you are then free to spend on whatever you want – which absolutely includes buying a new car! In return the title loan company will temporarily own your car’s title, however you are still free to use and drive your existing car as you repay the loan. Once you have repaid the loan in full your title will be returned back to your name. To get a low interest title loan, make sure you know upfront what the interest rate will be before you take out the loan, as this should help you repay your loan more easily.

To get a title loan today, call Car Capital Financial at 1-888-500-9887. We specialize in delivering same day requests, reliable title loans to our customers in a matter of hours. You could get the money you need for your new car as soon as today, so call us now!

3. Explain Your Poor Credit Situation

If you have a bad credit score because of a sudden financial emergency or despite your bad score you still own considerable equity (such as have significant equity in your house) you should explain this to each car loan company you deal with. If you can demonstrate that your poor credit score is only a recent and temporary development and that you’re taking active steps to recover your score to what it once was, a car loan lender may be more than willing to give you a decent or even low interest rate on your loan. There’s no guarantee that this strategy will work, but it’s worth a try.

4. Take Out A Large Auto Loan

Generally speaking the larger the loan the lower the interest rate, as the loan company wants to drag out your repayments and accrue as much interest for as long as possible. As a result, it may be best to take out a larger auto loan to get the best deal on interest. This will mean putting less money down but it may also mean you will be able to get a low interest auto loan.

5. Improve Your Credit Score

At the end of the day, the easiest way to get a lowest interest car loan is to have a great credit score. If yours is lacking, you may want to simply put off getting a car loan for as long as possible to give you enough time to rebuild your credit score. Simple and fast ways to boost your credit score include always paying off at least the minimum payment each month, stop putting as much on your card on a month to month basis and of course try to pay all of your balance off as fast as you can.

Car Capital Financial

At Car Capital Financial we don’t care about your credit score and the interest rate on your loan won’t be affected by it whatsoever! We have been providing title loans to Southern California residents for over 15 years. Our loans help people get the money they need fast, often in a matter of hours and sometimes as fast as half an hour!  Title loans are issued based on your ability to repay the loan.

To get your money today, call 1-888-500-9887!