0What are the requirements to get approved for a loan?

The most important requirement is that you own a 'clear' title on your paid-off or nearly paid-off vehicle. Other than that, the requirements for each customer will vary.

1What is the maximum loan amount?

Your maximum loan amount is based on the value of your vehicle.

2What can I do with the money I get from Imperial Valley Auto loans?

It is your money, use it however you would like!

3How do I apply?

Apply Online or call us at 760-352-5111 or 760-357-1802

4How long do I have to pay back my loan?

Our average term is 24 months. Depending on various factors, we can offer longer or shorter payment terms to best fit your needs.

5How do I get in touch with you?

Call us at toll free at 760-352-5111 or 760-357-1802 or via contact form

6Will you pull my credit report?

Yes, we will pull your credit report at the time we process your application. However, keep in mind that bad credit and/or credit blemishes have little weight on your eligibility for a loan.

7How long will it take for me to hear whether I have been approved?

Imperial Valley Auto Loans will provide you with a decision minutes after you have submitted your application, Mon-Fri from 8am-5pm. If you apply at any other time, you will be notified first thing in the morning on the following business day.

8What happens after my application is approved?

You will be contacted with your loan amount and terms, and will have the opportunity to accept or reject our offer. Then, Imperial Valley Auto Loans will set up a convenient time to bring the loan contract to you for your signature.

9How fast will I get my money?

In most cases, the same day. We will send your cash by money gram, check, or ACH (wire transfer into your account).

10What is the APR and how is it calculated?

The Annual Percentage Rate (APR) is based on your current daily outstanding balance.

11When will my first payment be due?

Your first payment will be due 30 days after you receive your money.

12How do I make my payments?

You may mail your payments to our payment center, pay by phone with a check, or you may set up monthly automatic electronic debits from your checking account

13Can I pay off my loan early without a penalty?

Yes, Imperial Valley Auto Loans does not charge pre-payment fees. You can pay off any portion of your loan at any time without incurring a penalty.

14I received a solicitation letter may I opt out?

Yes, you may opt out of any future solicitations which originated from Experian, click here to view entire opt out notice.