California Title Loans

How much is my car worth?

California Title Loans

Leverage Your Vehicle for Quick Cash in California

Discover how your vehicle can assist you in obtaining the cash you require! At LoanCenter in California, we consider your car as collateral for your loan. But rest assured, you won’t be handing over your keys to us. As long as you maintain your monthly payments, the use of your car will remain unaffected. Punctual payments even provide the added benefit of enhancing your credit bureau score.

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Understanding Car Title Loans

Don’t worry if your credit score isn’t impressive. Your eligibility for a car title loan is not solely based on your credit history. If you own a vehicle, can demonstrate a consistent source of income, and afford repayments, you’re a potential candidate for a car title loan.

Here’s how it works:

The value of your vehicle factors in the loan amount you can borrow

Your car is considered collateral to secure your loan

You retain the use of your vehicle and might even enhance your credit score!

What Is a Car Title Loan?

Deciphering Car Title Loans

Traditional loans consider your credit rating, financial background, existing debts, and employment status. If your financial profile is satisfactory, you receive the loan for a specific purpose.

Car title loans, or auto title loans, have a slightly different approach. Upon approval, you get the money to spend as you wish1. The loan amount you can borrow is largely dependent on your vehicle’s value, rather than exclusively on your financial track record as a borrower.

Benefits of a LoanCenter Title Loan

Take advantage of LoanCenter’s Title Loan in California

At LoanCenter, we take a comprehensive view of the borrower’s financial profile. Whether you have excellent or poor credit, we aim to provide loans suitable for all.

Here’s why a LoanCenter Title Loan is beneficial:

  • Your vehicle serves as collateral, making it easier to qualify for the loan!
  • Our application process is straightforward and swift, enabling you to receive your money promptly
  • We offer competitive rates for car title loans, often better than our competitors.

LoanCenter is your reliable source for financial aid in California, whether you’re facing tough times or simply need extra cash. Contact us now to learn how we can assist you!

Our Auto Loan Process

You may be eligible to borrow money against the equity in your car. With a car title loan, you can borrow cash by applying for a title loan. If you accept your loan offer, you will be approved for a title loan. Finding out how much you qualify for is fast, easy, and free! Find out how much you can borrow by submitting your loan application.


Get Pre-Qualified

Fill out the form or call us at (866) 553-3840


See Your Offers

Let one of our LoanCenter Loan Officers show you how much you qualify for.


Submit Docs

Submit all your documents and finalize your loan paperwork


Get Your Cash!

Receive your cash—it’s
really that easy!

Efficient Tips for Swift Cash Approval

To facilitate swift approval, follow these tips:

  • Provide accurate loan documents for your vehicle.
  • Ensure you submit all required documentation with your application.
  • Be ready to provide proof of identification, vehicle title, and repayment ability.

These steps assist us in determining the maximum loan amount you can borrow. Once your details are received, our loan officers will contact you. You can even call us toll-free at (866) 553-3840 to find out your qualification amount. If you’re happy with the proposed loan amount and wish to proceed with the car title loan application, we’re here to assist you with the remaining paperwork.

Get in touch with a LoanCenter representative to know what documents are required. Prepare these beforehand to ensure swift application processing. We aim to review your application and decide on your car title loan as quickly as possible.

California, known for its stunning coastline, thriving tech industry in Silicon Valley, and the glamour of Hollywood, is also the home of LoanCenter, ready to serve its residents’ financial needs.

If you want to find the LoanCenter closest to you, try using our Licensed Partner Locations tool today.


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What to know more?

Here are some of the articles we’ve written to make things a little easier to understand.

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California Loan FAQs

What are California title loans?

California title loans are a type of short-term loan where the borrower uses their vehicle title as collateral. They are typically used by individuals who need quick cash and have poor credit.

How do California title loans work?

To get a California title loan, you need to own a vehicle outright. The lender determines the loan amount based on the value of the car. You will have to surrender your car title to the lender, who will hold it as collateral until the loan is repaid.

Are California title loans legal?

Yes, title loans are legal in the state of California. However, the state has specific regulations in place to protect borrowers, which lenders must comply with.

What is the maximum amount I can borrow with a California title loan?

In California, title loan amounts can range from $2,500 to $25,000, but the exact amount depends on the value of your car and your ability to repay the loan.

What is the interest rate on California title loans?

The interest rate varies depending on the lender, but due to the high-risk nature of the loan, rates can be extremely high — often exceeding 100% annually.

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

Yes, since title loans are secured by your car, most lenders do not require a credit check.

What happens if I can’t repay my California title loan?

If you fail to repay your loan, the lender has the right to repossess your vehicle and sell it to recover their loss.

How long do I have to repay a California title loan?

Repayment terms vary, but typically range from 15 to 30 days.

Can I keep my car while repaying a California title loan?

Yes, you typically can keep your car while repaying a California title loan as long as you meet your repayment obligations.

Can I pay off my California title loan early?

Yes, you can usually pay off your title loan early without penalty, but this depends on the specific lender’s policy.

Question: Can I get a title loan online in California?

Yes, some lenders offer online title loans. You may need to provide pictures of your vehicle or have it inspected.

What do I need to get a title loan in California?

Requirements may vary by lender, but generally, you will need a clear vehicle title, a government-issued ID, proof of income, and proof of residency.

How quickly can I get a California title loan?

In many cases, you can get a title loan the same day that you apply.

Is my information safe when applying for a title loan online in California?

Legitimate lenders should have secure websites and adhere to state and federal privacy laws.

Can I renew a California title loan?

Yes, if you cannot repay your title loan by the end, you can often roll it over into a new loan, but this will lead to more fees and interest.

Are there any alternatives to title loans in California?

Yes, alternatives can include personal loans, payday loans, credit card cash advances, and borrowing from friends or family.

Can I get a title loan on a motorcycle in California?

Yes, some lenders in California will offer title loans on motorcycles.

Can I get a title loan if I still owe money on my car?

Generally no, as most lenders require a clear title. However, some lenders might be willing to pay off your existing loan and add that amount to your new title loan.

Can military members get title loans in California?

Yes, but the Military Lending Act provides certain protections and limits the annual interest rate that can be charged.

Can I get a title loan in California without a job?

Yes, some lenders will approve a title loan if you have another source of regular income, such as unemployment, disability, or retirement benefits.


What is a car title loan?

A car title loan is a personal loan that is secured by the borrower’s vehicle. The loan amount is based upon the vehicle’s value and the borrower’s ability to repay, making your credit score a less important factor. The borrower gets to keep driving the car while the loan is outstanding.

What do I need in order to get approved for a car title loan?

The amount you are approved for will depend on several factors, including:

  • Your Car’s Value
  • State Laws
  • Your Income
  • Type of Vehicle

How much does my car have to be worth?

In general, the car needs to be worth more than the amount of money you borrow. It takes only a few minutes to find out how much you can borrow, and there is no charge and no obligation to find out.

Can I get a car title loan if someone else’s name is on the title with mine?

Yes. We can offer a loan if more than one name is on the vehicle’s title.

Can I get a car title loan if I cannot find the title to my car?

Yes. We may offer a loan if you have lost or misplaced the vehicle’s title.

Do I get to drive my car while the loan is outstanding?

Absolutely! One of the benefits of a car title loan is that you can keep driving your car while the loan is outstanding.

What is the cost of my credit going to be?

The interest rates vary depending on the state of residency of the borrower, creditworthiness, collateral, and the terms agreed to. The annual interest rates vary between 34.99% and 157.99%. For a typical loan of $4,000 with an 80% annual percentage rate and a 24-month term, the monthly payment is $338.61, the total scheduled interest is $4,126.87, and the total of payments is $8,126.64. The interest on the loan may vary depending upon the timing of the payments made.

For Utah residents only please click here to see our Utah Fee Schedule.

For Missouri residents only please click here to see our Missouri Fee Schedule .

Is it possible to have a co-signer on my car title loan?

Yes. You can have a co-signer on your car title loan. The co-signer will need to sign a credit application and provide identification, proof of residence, and proof of income. We keep all non-public personal data private and will not let the borrower see the co-signer’s data and vice versa.

For more questions and answers, head to our Frequently Asked Questions page.

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