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How it works

Apply Online or By Phone

Apply by calling (619) 600-0061, online, or at one of our four convenient locations. Tell us the year, make, and model of your vehicle, and we’ll loan you up to 90% of it’s value.

cash in as little as 15 minutes

As long as you have the financial ability to repay, we can work with you!

Keep your vehicle to drive

LINCOLN EASY CASH is here to help you get back on track, and the best part is that you can still keep your vehicle to drive.

Financing

Lower rates: We charge a minimum of 36% APR (3.00 % monthly) on California loans. Our rates are among the lowest of traditional lenders and we will match or beat our competitors. Maximum APR is 120%.

Convenient: Start your application online. Lincoln Easy Cash will be processed at one of our local finance branches closest to you.

Quick Approval: Lincoln Easy Cash can execute and fund a loan in as little as 15 minutes with instant approval.

Safe & Secure: Lincoln Easy Cash uses the highest encryption to safeguard your data.

No Hidden Fees: The entire process is transparent. All fees will be disclosed prior to signing your contract.

Fully Amortized Loans: Each payment REDUCES your outstanding principal balance. There are no prepayment penalties. We offer loan term of 24 to 48 months with no prepayment penalty.

THE CHART BELOW REPRESENTED ILLUSTRATIVE EXAMPLES OF THE COST OF A LOAN TO THE BORROWER. IF YOU HAVE ANY QUESTION, OR WOULD LIKE MORE INFORMATION, PLEASE ASK. MAKE CERTAIN YOUR QUESTION ARE ANSWERED COMPLETELY. MAKE CERTAIN YOU UNDERSTAND THE TERMS AND COSTS OF YOUR LOAN.
Anuual Percentage Rate
60.00%
60.00%
Finance Charge
$3,666.66
$7,333.32
Amount Financed
$2,600.00
$5,200.00
Minimum Monthly Payment
$154.67
$309.34
Total of Payments
$3,601.48
$4,833.54
Number of Months
41 (flexible)
41 (flexible)
Competitor Rates
 
Leading Competitors
Lincoln Easy Cash
Amount Financed
$2,600.00
$2,600.00
Annual Percentage (APR)
90%
60%
Number of Months used in the APR Calculation
41
41
Minimum Monthly Payment
$232.00
$154.67
Total of Payment
$9,512.49
$6,341.66
Finance Charge
$5,499.99
$3,666.66
Monthly Saving with Lincoln Easy Cash vs. Competitors
$77.33
Total Saving with Lincoln Easy Cash vs. Competitors
$3,170.83

APR and Cost of Credit

Interest Rate
Lincoln Easy Cash charges Interest rates starting as low as 36% simple interest and is dependent on your financial ability to repay your loan, creditworthiness, collateral, and agreed-upon terms. The Annual Percentage Rate (“APR”), may be slightly higher due to an Administrative Fee which is included in the computation of APR as Prepaid Interest.
APR
Lincoln Easy Cash Loan maximum APR is competitive. We offer INTEREST RATE MATCH GUARANTEE. Maximum APR is 120%. Please call us for details.
Administrative Fee
Lincoln Easy Cash may charge an Administrative Fee. Administrative Fees are fully earned at origination. All fees will be disclosed prior to signing any loan contract.
DMV or Lien Transfer Fees
Lincoln Easy Cash may include a DMV Fee or Lien Transfer Fee in your loan.
No Pre Payment Penalty
Lincoln Easy Cash does not charge a pre-payment penalty.
Loan Term
All loans are written for a period of 24 to 48 months. Minimum loan term 24 months. Maximum loan term: 48 months. However, you may payoff the loan early without a prepayment penalty.
Examples of 41 Month Loan Term
Loan Amount $2,600.00 $5,200.00
Interest Rate 60% 60%
Term Length 41 Mo. 41 Mo.
Processing Fee $75.00 $75.00
DMV Lien Transfer Fee $15.00 $15.00
Monthly Payment Amount $154.67 $309.34
Total Cost Payable $6,341.66 $12,683.32
No Pre Payment Penalty
The interest on the loan may vary depending upon the timing of the payments made. There is no prepayment penalty. This means that you can pay off your loan at any time without penalty, and you will only be charged interest during the time that you have an outstanding balance. However, the administration fee (origination fee) is not refundable. The Annual Percentage Rate (“APR”), may be slightly higher due to an Administrative Fee which is included in the computation of APR as Prepaid Interest.
Disclosure
We have an easy approval process with no minimum FICO score. Subject to specific underwriting criteria and ability to repay. In order to qualify, customers must have a fully paid car title loan. Other restrictions apply. Not all applications will be approved.

About Us

How can we help you with a Title Loan

With years of experience providing auto title loans throughout California, LINCOLN EASY CASH is dedicated to getting you the cash you need as quickly as possible. We pride ourselves in giving everyone a chance to get ahead no matter what your credit is like. In fact, we don’t even check your credit. We loan up to 90% of your car's value.

It is our goal to provide you with the cash you need and maintain a good relationship as you successfully maintain your monthly payments.

San Diego Office.
8304 Clairemont Mesa Blvd, San Diego, CA 92111.

Business License: 60DBO43732

 

Testimonial

My parents couldn’t help me out any more, and I just needed to get through the semester of school. Thanks to Lincoln Easy Cash, I made it.

Stephanie

San Diego, CA

I didn’t think I would qualify, but Lincoln Easy Cash was able to get me the money I needed within minutes. I couldn’t believe how easy it was.

Olivia

Palm Springs, CA

Lincoln Easy Cash made it easy for me to get the cash I needed within a day. Great customer service. Thank you.

Patrick

Miramar, CA

I lost my job recently, and I needed cash to pay bills. Thankfully, I was able to keep driving my car while I look for work.

Hector

Riverside, CA

Frequently Asked Questions

What type of loans do you offer?
LINCOLD EASY CASH offers Title Loans (also known as Pink Slip or “You Drive” loans) providing up to 90% of the vehicle’s value, and you can still keep your vehicle to drive.
What type of vehicles can I borrow on?
LINCOLN EASY CASH offers Title Loans on autos.
Do I need good credit to get a loan?
As long as you have the financial ability to repay, we can work with you.
Does my vehicle need to be paid off?
No. If you still owe a little money on the vehicle, we can pay off that debt as part of your new loan. Every situation is different, and we want to make sure you get exactly what you need.
What do I need to qualify for a loan?
LINCOLN EAS CASH has a short list of required documents that your loan advisor will discuss with you. We make it easy for you to qualify in as little as 15 minutes!
Can I get a loan even if I've lost my job?
Yes! We understand that life can be challenging, and that’s why we’re here. We’ll help you get back on track, and the best part is that you can still keep your vehicle to drive.
How can I apply for a loan?
We make it super easy! Call us at 619-600-0061 or fill out the online application. If it’s more convenient, feel free to stop by one of our locations nearest you.