Auto Title Loans in Long Beach California


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We understand everyone has financial challenges in life, and that’s why Fast Money Loan exists. We’re here to help you get the cash you need with absolutely no credit check. You’re guaranteed fast money at an affordable monthly payment.


We’ve been providing title loans since 1997, and we’re in this business to help people just like you. There’s nothing that satisfies us more than seeing you walk away with the cash you need.


Tell us the year, make, and model on your auto, boat, motorcycle, or RV, and we can loan you up to 100% of its value. You keep the vehicle to drive, and you’ll have cash in your hands in as little as 15 minutes.

Personal Loans, Payday Loans, Title Loans: What’s the Difference?

When faced with a financial shortfall, Los Angeles residents have a number of options. Surprisingly, many people still don’t know that they can get a loan even if their credit history is bad or they have no credit history at all!

There are many alternatives to traditional bank loans so you need to get thoroughly informed about each option to figure out which one will work best for you.

Where to Start?

You have probably heard terms like personal loans, payday loans and car title loans, but you know neither the difference between them nor how they could help you. That’s why this article aims to clarify the basic differences between personal, payday and title loans.

By the time you finish reading, you will have a clearer picture of your options. Luckily, Los Angeles offers a number of solutions regarding these types of loans, especially car title loans, which have been on a steady rise.

Basic Loan Categories

We divide loans into two broad categories – secured loans and unsecured loans. A secured loan is protected (or secured) by an asset or collateral. By contrast, an unsecured loan is not. In case of a secured loan, the lender can seize the collateral if the borrower is unable to repay the loan.

To obtain an unsecured loan, you have to provide a pay stub or bank statement, proving your ability to repay the loan. The amount of the approved loan depends on your level of income.

Personal Loans in Los Angeles

Personal loans are unsecured loans; to the uninformed, they are very similar to Credit Cards. It’s usually not necessary to provide your credit history to obtain a personal loan, only a proof of income as a guarantee that you will be able to pay the loan back.

There are a number of personal loans, including fixed-rate loans, varied-rate loans, installment loans, lines of credit, and credit cards, to mention a few.

Payday Loans in Los Angeles

Payday loans are unsecured loans, as well, meaning there is no collateral. They are short-term small-cash dollar loans for people with bad credit or no credit history. In Los Angeles, payday loans are typically obtained to pay monthly bills.

How do payday loans work?

A lender provides a payday loan in exchange for a postdated personal check. The date set is typically the next payday, hence the name of the loan. The amount of the check includes the loan amount and the finance fee to the lender. The lender assigns a repayment period, usually 14 days, within which you can repay the loan and the fee in cash or the lender can deposit the check.

It’s possible to extend the loan by writing another postdated check, including a new loan and an additional fee. You can do the same thing if you don’t repay the full amount by the end of the term.

The greatest downside of payday loans is a steep interest rate, with an average of around 400% APR. Also, the borrowers can get stuck in a seemingly never-ending payday cycle and gradually pile up debt they can’t pay back.

Also payday lenders tend to be extremely aggressive when it comes to collecting late payments, going as far as to hire ‘’field chasers’’ to show up at borrowers’ homes and demand payments.

Title Loans in Los Angeles

Car title loans, auto title loans, or simply title loans, are secured loans that have a borrower’s car title as collateral. These loans are extremely easy to obtain, and they also allow for higher loan amounts than payday loans. What’s more, the interest rate is lower than for payday loans; an average of 25% interest charge, that is – 300% APR.

How do title loans work?

To obtain a car title loan in Los Angeles, you need to take your car to an auto title loan lender; the lender determines the value of the car and offers you the loan at a percentage of that value. As you obtain the loan, you hand the car title to the lender as collateral. If you are unable to repay the loan within the minimum repayment period, the lender has the right to repossess your car.

Nevertheless, the lender doesn’t necessarily have to seize your car if you don’t pay the loan back. They can extend your repayment period to additional 30 days. Bear in mind that additional fees are also charged.

Los Angeles Loan Sharks: Debunking false claims

Payday loan and title loan lenders are sometimes derogatory referred to as loan sharks, in Los Angeles and throughout the US, even though they are not the same thing. The term stems from the fact that these loans typically involve high interest rates, which is especially the case with payday loans.

Nevertheless, Los Angeles payday and title loan lenders aren’t the same as Los Angeles loan sharks – while payday loan and car title lending are legal activities, loan sharks operate in the criminal underworld.

The Best Option in Los Angeles

For most residents of Los Angeles, CA, a car title loan is the preferred option for quick and safe cash. Borrowers also prefer auto title lenders who allow you to keep your car during the repayment period. What’s more, some Los Angeles auto title lenders, such as Fast Money Loan, don’t stipulate the minimum repayment period.

Unlike other car title lenders in Los Angeles, Fast Money Loan offer long-term loans for a 36-month period. However, the loan can be repaid at any time without the pre-payment penalty. In addition to the loan amount, the borrowers are charged only the interest rate and the administrative fee.

Lower-than-Average Interest Rate

Even though Los Angeles residents can obtain car title loans in less than 30 minutes, many are still worried about the high interest rates. For that reason, Fast Money Loan created the Diamond Express Title Loan Program, offering an APR as low as 18.59% for all qualifying customers. The loan amount is up to 100% of the Manheim value of the vehicle and customers don’t undergo any credits checks. What’s more, the customers get to keep their car!

Whatever you choose, make sure you choose a reliable lender. With 15 years of experience, Fast Money Loan has had an excellent track record in helping countless customers in Los Angeles and all over California. We’ve got you covered!


How It Works

Need cash? FAST MONEY LOAN can provide you with an auto title loan today!

    • Tell us the year, make, and model of your auto, boat, motorcycle, or RV.
    • With no credit check, we can loan you up to 100% of the vehicles value.
    • We set up an affordable monthly payment plan.
    • You keep it to drive and walk away with cash in as little as 15 minutes.
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Loans made pursuant to the California Department of Business Oversight Finance Lenders license. We may check with a credit bureau to verify your identification, however your credit profile is never seen, shared, nor is it used in the loan decision process. An inquiry will not appear on your credit report, and will not affect your credit in any way.
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