Author: James Roy

The Easiest Loans to Get in Victoria, B.C

Cash Advantage is an independent, locally-run business that has been issuing loans in Victoria, B.C, since 1996. Who hasn’t been in a financial pinch at least once in their lifetime? We prioritize straightforward loans, knowledgeable, friendly staff, and having our customers walking away with the sense that we’ve surpassed their expectations. So what are some easy loans in Victoria, B.C, that could be available for you? 

Title Loans

One of the easy loans in Victoria, B.C, that we provide are title loans: also known as a ‘car title loan’, a title loan is a type of secured loan where borrowers can use their vehicles as collateral. What we need from you is separated into three easy steps:

Personal Qualifications: You must live in Victoria, B.C; have an active bank account; have minimum 3 months employment, pension, or other accepted income; and be 19 years or older.

Vehicle Qualifications: No liens; have a wholesale value of over $2500; be 12 years old or newer; have had no major damage or accidents; and have collision and comprehensive insurance—as well as a BC Registration—in your name. 

Documentation Qualifications: A 60 day bank statement; a blank cheque or PAD authorization; your most recent paystub; a valid insurance and BC registration; a valid driver’s license; a utility bill or other proof of residence; and a spare keys (which are kept in our safe and returned when the loan is paid in full). 

And that’s it! A favourite of the easy loans in Victoria, B.C. Comprehensive, flexible, and, most importantly, tailored to your needs, our title loans are here to help. 

Payday Loans

Payday loans are also known as fast cash advances, quick-cash loans, and payday advances: they are designed for people who want a small loan between paydays without a credit check. Bad or poor credit doesn’t matter—all you need is a bank account and a source of income. 

We at Cash Advance now also offer quick online payday loans with easy approval for customers in British Columbia— hands-down another one of the best easy loans in Victoria, B.C. Do you have a source of income (whether that be an employment income, child tax benefit, Canada pension, or private pension), an active bank account, and are 19 years or older? Do you have minimum three months employment, a 60 day bank statement, four personal references, your most recent paystub, and a PAD authorization? Then a payday loan just might be the loan for you. 

We offer the best easy loans in Victoria, B.C, and want to be of help. If you’re curious, have questions, or want to get started on a loan right away, then please send us an inquiry via support@cashadvantage.ca, give us a call at 250-475-6267, or drop in at 770A Hillside Avenue to speak to one of our many associates.

Your Cheat Sheet to Understanding Title Loans in Victoria, B.C

At Cash Advantage we understand that life happens and that, occasionally, you come up a little short. Whether it’s an emergency expense, car repairs, bills, or just because—we understand. That’s why we’ve made getting a title loan fast, easy, and hassle-free. But what is a title loan, and how do you get a title loan in Victoria, B.C?

So What is a Title Loan?

For those unfamiliar with the term, a title loan—also known as a ‘car title loan’—is a type of secured loan where borrowers can use their vehicles as collateral. We at Cash Advantage make it our priority to offer a variety of services, all with the aim of transparency and convenience for our customers. So how do you get a title loan in Victoria. B.C?

Personal Qualifications 

Don’t worry: our personal qualifications to get a title loan in Victoria, B.C, have been crafted to be as uncomplicated as possible. Do you currently live in Victoria? Are you 19 years or older? Do you have a minimum three months of employment, pension, or any other accepted income? Then you’re already on your way to being able to get a title loan in Victoria, B.C

Vehicle Qualifications 

So what vehicle qualifications do you need to get a title loan in Victoria, B.C? We’re glad you asked! First of all, if you have a car or truck don’t worry: you keep your vehicle, no questions asked. 

All we ask for is no liens, that you’ve had no major damage or accidents, that the wholesale value is more than $2500, that the vehicle is 12 years old or newer, and that the collision and comprehensive insurance—as well as the BC Registration—is in your name. 

Documentation Qualifications

Last but not least are your required documents for successfully getting a title loan in Victoria, B.C. We’ve made it so the documents we need from you are as straightforward as can be. You will need to provide a 60 day bank statement; a blank cheque or PAD authorization; your most recent paystub; a valid insurance and BC registration; a valid driver’s license; a utility bill or other proof of residence; a spare key for your vehicle, which is kept in our safe and returned when the loan is paid in full; and six pictures of your vehicle which we will take when you’re here.  Sound easy? It is! We pride ourselves on being the most straightforward, uncomplicated loan-lending business in Victoria.

If you’re in a pinch, a title loan may be the way forward for you. Unsure? No problem: give us a call at 250-475-6267, send our staff an inquiry at support@cashadvantage.ca, or pop by to chat with us in-person at 574 Culduthel Rd, Victoria, BC V8Z 1G1.