California Car Title Loans

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Do You Need Money Fast?

A car title loan could be the perfect answer to help you get the money you need as fast as possible.

Fast, No Hassle Process

Each situation is unique but below is the most common items that you will need to complete a loan application. To speed up the process, these items can be submitted by text message or email.
  • Qualifying Vehicle - Car, Truck, Van, SUV, Motorcycle, Commercial Vehicle That is Paid Off
  • Photo Identification - Driver's License or State Issued ID Card
  • Insurance on Your Vehicle
  • Proof of Your Home Address - Utility Bill
  • Proof of Your Income - Latest Paystub
  • Photos of Your Vehicle

Car Title Loans in California Online

We make it easy to get the cash you need even when you don't qualify for a traditional bank loan. If you own your car you could qualify for a car title loan and get the cash you need. Residents in the Sacramento area can borrow between $2,500 and $50,000 even when your credit is bad or credit scores are low.
It is easy to apply for your car title loan. You can get started by simply completing a few quick questions online. You will know exactly how much you can qualify for within a few short minutes. Using the equity in your car you could find the answers that you need to your financial problems today.

Keep Your Car While Paying Your Title Loan Back

You will be able to keep your car to use while paying your title loan back. Your title loan lender will simply hold the title to your car just like the original lender when you bought your vehicle. Once your loan is paid off you will get your title back.


At some point in life, many people experience financial difficulties, and when they do, they often seek financial assistance from lenders. Traditional loans are a popular option, but not everyone has the credit score, employment history, or assets necessary to secure them. This is where car title loans in California come in. These loans offer borrowers a chance to obtain the cash they need by using their car as collateral. In this article, we’ll explore everything you need to know about car title loans in California.

What Are Car Title Loans in California?

Car title loans in California are a type of loan where the borrower uses their car’s title as collateral to secure the loan. The lender holds onto the title until the borrower pays off the loan. If the borrower defaults on the loan, the lender can take possession of the car and sell it to recover their losses.

Auto title loans in California are short-term loans that typically have high interest rates. The loan amount is determined by the value of the car, and the borrower is required to make regular payments until the loan is paid off.

How Do Car Title Loans in California Work?

Car title loans in California work differently from traditional loans. While traditional loans are based on a borrower’s credit, bank account statements, and employment history, title loans rely on the value of the car being used as collateral.

To qualify for a car title loan in California, you must:

  • Own your car outright or have it almost paid off
  • Have a valid car title in your name
  • Be at least 18 years old
  • Have proof of income or other means to repay the loan
  • Meet the lender’s credit requirements

Once you meet the lender’s requirements, you can apply for a car title loan. The lender will assess the value of your car and determine the maximum loan amount. You’ll then need to sign a contract that outlines the terms of the loan, including the interest rate, repayment schedule, and consequences for defaulting on the loan.

If you agree to the terms, the lender will hold onto your car’s title until the loan is paid off. You’ll be able to continue driving your car during the loan period as long as you make your payments on time.

What Are the Requirements for Car Title Loans in California?

To qualify for a car title loan in California, you must meet the following requirements:

1. Own Your Car Outright or Have It Almost Paid Off

  • The car you use as collateral for the loan must be paid off or nearly paid off. If you have a loan on your car, you’ll need to pay off the loan before you can use the car as collateral.

2. Have a Valid Car Title in Your Name

  • The car’s title must be in your name and free of any liens. If you have a lien on your car, you’ll need to pay it off before you can use the car as collateral.

3. Be at Least 18 Years Old

  • You must be at least 18 years old to apply for a car title loan in California.

4. Have Proof of Income or Other Means to Repay the Loan

  • You’ll need to provide proof of income or other means to repay the loan. This can include pay stubs, bank statements, or other documentation.

5. Meet the Lender’s Credit Requirements

  • Car title loans in California do not require a credit check, but lenders may still have credit requirements you must meet. This can vary by lender, so it’s important to check with the lender you’re considering.

How Much Can You Borrow with Car Title Loans in California?

The amount you can borrow with a car title loan in California depends on the value of your car. California law requires that car title loans be for a minimum amount of $2,510, but lenders may offer more depending on the value of the car. The loan amount is typically a percentage of the car’s value, with lenders offering up to 50% or more of the car’s value.

It’s important to note that borrowing more than you can afford to repay can lead to financial difficulties down the line. Before taking out a car title loan, make sure you understand the terms of the loan and have a plan in place to repay it.

What Are the Interest Rates for Car Title Loans in California?

Car title loans in California have high interest rates, often ranging from 35% to 200% or more APR. The interest rate you’re offered will depend on the lender and the terms of the loan.

While high interest rates can make car title loans expensive, they may be necessary if you need cash quickly and have limited options for borrowing. However, it’s important to compare lenders and interest rates to ensure you’re getting the best deal possible.

What Happens if You Can’t Repay a Car Title Loan in California?

If you can’t repay a car title loan in California, the lender may repossess your car and sell it to recover their losses. This can lead to financial difficulties, as losing your car can make it difficult to get to work or take care of other obligations.

If you’re having difficulty making payments on a car title loan, it’s important to contact the lender as soon as possible to discuss your options. Many lenders are willing to work with borrowers to come up with a payment plan or other solution.


Can I get a car title loan in California if I have bad credit?

Yes, car title loans in California do not require a credit check, so you can still qualify even if you have bad credit.

How long does it take to get a car title loan in California?

The time it takes to get a car title loan in California can vary depending on the lender. Some lenders offer same-day approval and funding, while others may take several days or more to process your application.

Can I still drive my car while I have a car title loan in California?

Yes, you can continue to drive your car while you have a car title loan in California as long as you make your payments on time.

What happens if I lose my car title?

If you lose your car title, you’ll need to obtain a replacement from the California Department of Motor Vehicles (DMV) before you can apply for a car title loan.

What happens if I pay off my car title loan early?

If you pay off your car title loan early, you may be able to save money on interest charges. Some lenders may charge prepayment penalties, so it’s important to check the terms of your loan before paying it off early.

Car title loans in California can be a useful tool for obtaining cash quickly when you’re in a financial bind. However, they can also be expensive and lead to financial difficulties if not used responsibly. Before taking out a car title loan, make sure you understand the terms of the loan and have a plan in place to repay it. By doing so, you can avoid the risks associated with car title loans and use them to your advantage when necessary.

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What Our Customers Say

Disclaimers is NOT A LENDER and we do not make short-term cash loans or credit decisions. However, we have a vast network of lenders across the country who do provide these services. These include but are not limited to Tradition Media Group and Champion Financial Services.

We are able to help borrowers in almost all states even though we do not have physical locations.

The loan amounts offered by our lenders will vary based on the vehicle value and the borrower's ability to repay.

Since we do not lend money directly we cannot offer you a solicitation for a loan. In all serviced states we WILL connect you with a lender based on the information you provide on this website or via phone conversation. There is no charge to you for this service and our service is not available in all states. States that are serviced by this website are subject to change without notice. Loans are not available in all states and areas.

Interest rates and payment terms are set by individual lenders and we have no control over these. The use of the word, “competitive,” or “reasonable,” does not mean “low-cost” and borrowers should use discretion when working directly with the lender.

We cannot guarantee we will find a lender who will fund you. Submitting information on this website does not guarantee loan approval. Not all lenders can provide loan amounts you may see on this website due to state laws or individual lender requirements.

In some circumstances faxing may be required. Use of your cell phone to receive updates is optional. Please review our Privacy Policy.

Subprime loans can be costly, and there may be more affordable alternatives available to you. It's important to note that these loans are designed to address immediate cash needs and should not be used as a long-term solution. Additionally, eligibility for loans may vary by state, and our company has no access to information regarding rejected loan applications. If you have any questions about loan rejections or eligibility, we recommend contacting the lender directly for more information.

Lenders are typically licensed by the state where you live. We recommend that you contact the relevant regulatory agency to ensure that your lender is licensed and compliant with state regulations. These agencies exist to protect you, and we strongly advise ensuring that any lender you receive funds from is fully licensed.