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Wilshire Consumer Credit: A Direct Lender for over 9 years. Wilshire Consumer Credit is a privately held company focused on consumer financing solutions. We specialize in refinancing auto loans at lower payments and rates, unsecured lending, and car title loans. For over 9 years, we have provided lending solutions across the credit spectrum in California, Arizona, Georgia, Missouri, New Mexico, South Carolina and Utah. Headquartered in Southern California, Wilshire Consumer Credit has partnerships across seven states.