Title Loans in California

How Do Car Title Loans Work in California?

Car title loans in California are secured loans that allow you to borrow against the value of your vehicle and access quick funds to handle a variety of financial issues. To get approved to borrow against your car, truck or SUV, you must meet the lender’s requirements and pledge your California-issued vehicle title as collateral for the loan. Upon funding. you can use your loan proceeds to handle whichever personal expenses you need to take care of, including overdue bills, rent payments and more!¹

If you borrow using your car as collateral, the title loan lender will add a lien on the title of your car after the loan is funded. Make sure to stay on top of your loan payments while a lien is present on your car’s title! 

Title loan lenders will mainly use your car’s value and your income to determine your maximum loan amount for a California title loan. That’s why the amount of equity in your vehicle is an important part of the application process. If you don’t know your car’s current value, you can use LoanMart’s calculator tool to obtain a vehicle equity estimate and an instant online loan quote with absolutely no obligation.

The Process to Get a California Auto Title Loan

Getting an auto title loan in California comes with a straightforward process, especially if you choose an online title loan option like LoanMart-serviced loans. Here’s how easy it can be to borrow funds with your California car title:¹

• Apply online or over the phone by calling 855-422-7412
• Get approved and upload the required documents¹
• Choose how you want to receive your loan funds and sign the loan agreement
• Provide your vehicle title and get your money

Compared to traditional loan options, title loans usually offer a fast application process and funding – many California customers serviced by LoanMart have received funds on the same day they applied!³

What are the Requirements for Auto Title Loans in California?

While it’s challenging to get approved for many traditional bank loans without a strong credit history, vehicle-secured loans can be comparatively flexible. Individuals with bad credit can still apply for auto title loans in California.¹ The initial title loan requirements in California generally include:

• Having a California Car Title in Your Name
• Having Sufficient Income to Make Loan Payments
• Being of Legal Age to Apply for a Title Loan

If you’ve submitted the initial application and received pre-approval for a loan with your vehicle as collateral, the next step is to provide the required paperwork that you will need to finalize your loan.¹ Generally, you will need to provide the following paperwork when applying for a California auto equity loan:

• Proof of Your Income, Like a Pay Stub or Bank Statement
• Valid, Government-Issued Photo Identification, e.g. a CA Driver’s license or ID
• A Qualifying, California-Issued Vehicle Title in Your Name
• Proof of Your Current California Address
• Some Recent Pictures of Your Car, Truck or SUV

You can conveniently upload your documents online or send them to a loan officer via email or text message. If you qualify for an auto title loan, you can potentially access the fast money you need in as little as 24 hours!³ Call 855-422-7412 if you have questions about the requirements for online car title loans in California.

California Regions, Metros and Cities We Serve

Being headquartered in Van Nuys, CA, LoanMart-serviced title loans are a well-known solution to access fast funds across the Golden State.¹ Thanks to the loan process being designed to offer a convenient online experience, LoanMart serves title loan borrowers across all major regions. From Southern California to Northern California, from Central California to the Central Coast, online title loans serviced by LoanMart can offer a fast way to get the funds you need.¹

Here are just some of the major metro areas, cities and regions from which California title loan applicants have turned to us:

• Los Angeles – California’s largest city and the second-largest metro area in the country
• San Diego – California’s second-largest city and Southern California’s border metro
• San Jose – the largest city in the Silicon Valley
• San Francisco – the anchor of the Bay Area
• Sacramento – the state capital, located in the northern Central Valley
• Fresno – the largest city in the Central Valley and economic center of California’s agricultural industry
• Long Beach – home to the busy container port
• Oakland – one of the largest cities in Northern California
• Bakersfield – Southern Central Valley anchor and seat of Kern County

Other regions, cities and suburbs in which LoanMart-serviced auto title loans have been sought out include:

• Other cities and suburbs in the Greater Los Angeles area, including Bellflower, Glendale, Huntington Park, Inglewood, North Hollywood, Norwalk, Pasadena, Pomona and South Gate
• Communities in Orange County such as Anaheim, Fullerton, Santa Ana and Westminster
• Inland Empire cities such as Fontana, Hesperia, Moreno Valley, Ontario, Rancho Cucamonga, Riverside, San Bernardino and Victorville
• Cities in San Diego County including Chula Vista, La Mesa, Lemon Grove, National City, Oceanside and Spring Valley
• Ventura County and Central Coast communities from Oxnard, Simi Valley to Ventura and beyond
• Bay Area towns such as Fairfield, Santa Rosa, Vallejo and more
• The Sacramento Metro and Northern California, including Chico, Elk Grove, Redding, Roseville, Tracy and Yuba City
• the Central Valley, with Clovis, Merced, Modesto, Salinas, Stockton and Visalia
• the Coachella Valley and Desert communities including Indio and Palm Springs

What Do I Need to Understand About Title Loan Regulations in California?

Ready to get the funds you need for a financial emergency? Before you start the loan application process, it’s important to ensure you have a solid understanding of the title loan regulations in California.

As you know, loans based on your vehicle’s equity are allowed in the state of California. There are specific laws in place, like the California Financing Law, to ensure that California-licensed lenders are transparent and fair, and operate with accountability. 

Applicants in California have the right to receive a written disclosure about their loan terms before signing their agreement. The key terms of an online title loan include the interest rate, Annual Percentage Rate (APR), the repayment period, and any fees associated with the loan.

Applying for a car title loan in California should be as simple as possible. Now that you know more about the regulations surrounding this type of secured loan, you can decide if an auto title loan is the right option for you. Call us at 855-422-7412 to start the application process or apply online. If you qualify for funding through a California title loan serviced by LoanMart, you can expect competitive terms with no balloon payments or hidden fees!^{1 5}

What are the Benefits of Online Title Loans Serviced by LoanMart in California?

Here are some of the benefits that come with auto title loans in California serviced by LoanMart:

• Keep Driving Your Car: If you’re like most Californians, your car is an important part of your daily life – which is why the vehicle miles per capita in the state are increasing! Although you’re using your vehicle’s title as collateral for the loan, you can keep your keys and maintain access to your car throughout the repayment process if you manage your title loan payments correctly.
• A New Car Isn’t Necessary: While some people may believe you need a new car to get approved for title cash, that’s just not the case! You can borrow against the value of a new car or an older car as long as it has enough positive equity to qualify as collateral for the loan. Call 855-422-7412 for more information about how to get car title loans for older cars in California.
• Poor Credit is Okay: As mentioned above, getting approved for a traditional loan is difficult if you don’t have a good credit score. While obtaining car title loans in California with no credit check is unlikely, you can still secure the funds you need from a title loan even if your credit history isn’t perfect!¹

With auto equity loans serviced by LoanMart, it can take no time at all to apply and find out if you qualify for the money you need to deal with a financial emergency. Approved borrowers can choose direct deposit to get their money as soon as the next business day!^{1 3} Apply online by completing a quick questionnaire or dial 855-422-7412 to start the application process for online title loans in California.

Title Loan Facts in California for LoanMart-serviced Loans

In the following table are some loan statistics for California, which may give you a better idea what an average LoanMart-serviced loan looks like in your state:¹

Repayment Options for California Auto Title Loans Serviced by LoanMart

From San Diego in SoCal to Redding in NorCal, and anywhere in between in the Golden State, borrowers who have taken out a LoanMart-serviced loan can access several convenient ways to schedule and make payments. Monthly payments can be made both online – through the customer portal and the LoanMart app – and offline at participating money transfer businesses throughout the state, including at MoneyGram. Current customers can refer to the below California map that lists a few selected payment locations: