Get A Title Pawn Loan In CA Apply below or call 888-370-7434

Same Day Cash With A California Title loan

    I agree to SMS Messaging

    Title Loans Online In California With No Store Visit

    Before applying for a title pawn in California, you should know how these loans work and the requirements. Title loans are secured loans, meaning your car acts as collateral. This can be risky if you default on the loan, but you can borrow more than $1,000 using your vehicle's collateral. Choose a company licensed by the California Department Of Financial Protection And Innovation. That way, they will follow all the state restrictions on loan amounts and interest rate caps. Title Pawn Online works with many companies with offices throughout the state, and we'll find you a company that puts your needs first!


    Car Title Loan Requirements In California

    - The vehicle title has to be in your name, and there can't be any liens on the vehicle
    - The vehicle must have some equity value and pass a basic inspection
    - Proof of income (pay stubs or statements from your bank)

    Some companies will want to know that your vehicle is registered in CA, and they'll ask for your car's DMV registration docs. Also, expect to provide proof of valid comprehensive vehicle insurance, and you may need to bring in the car for an inspection. An inspection won't take long and is an excellent way to get a higher loan if your car is in decent condition. Your lender will check the vehicle for any damage and mechanical issues, and they'll also get an updated odometer reading.


    Interest Rates For California Title Loans

    Interest rates on title loans in California are capped at 36% plus the prime funds rate, which applies to loans between $2,501 and $10,000. For loans above that amount, there's no cap on the APR, and you are best served to get multiple quotes and then choose the best rate among the different lenders.

    Title pawns in CA have higher rates than what's common with personal loans, but with the recent interest rate limits, these loans are not as difficult to repay as they used to be. Going back a few years, title loan companies in CA could offer loans with uncapped rates, leading to some lenders offering loans with an APR of 100% or more! As of 2023, you can get a title pawn with a manageable interest rate and repay the balance quicker by making extra payments monthly and avoiding the interest payments at the back end of the lending term.


    California State Flag


    Bad Credit Title Pawn Lending In California

    Title pawns are great for borrowers with poor credit as it used to be that you had no chance of getting a bad credit loan. Now, you can apply for a title pawn with bad credit in California, and there's a good chance your lender won't even run a credit check. Remember, the car's collateral is used to underwrite the loan. You may assume your funding amount will be limited because you have a poor credit score, but that's not always true. Borrow $5,000 or more with a title loan; your credit score won't be a factor as long as you have a newer vehicle with equity!


    What If I Can't Find My Car's Title?

    Your car's title is the most important requirement when underwriting a title loan in California, and it's next to impossible to get approved without it. If you have a vehicle that's titled in your name but can't find the physical title, we may be able to help you. Start with the California DMV, as they typically offer same day services where you can retrieve missing documents like your car's title or registration documents.

    What if the wrong name is on the car's title or if you have a cosigner? Only your name can be on the vehicle's title to qualify with Title Pawn Online. You won't be approved if other lienholders or co-signers are shown on the pink slip. If it's a mistake or misspelling of your name on the title, that shouldn't be an issue, and you can often fix that with a quick visit to the DMV. We are here to help you with all your needs to get a fast cash secured loan, so contact us at 888-370-7434 even if you can't find the car's title!


    Instant Cash Vehicle Title Loans Near Me In CA

    Are you content to apply for a title loan online with no store visit? Or would you rather meet with a local lender that offers a face to face consultation? However you choose to apply,  Title Pawn Online connects applicants with title loan lenders in California that provide instant cash loans near you.

    Apply with Title Pawn Online; we only need your updated vehicle information, requested loan amount, and relevant contact details. We'll find the best local lender near you in Los Angeles, Sacramento, Fresno, or wherever you live in CA! Pick up your funds in less than 24 hours at any lending location within the state. You can also choose to have the cash sent to your checking account by bank wire or go with a money order!


    At Title Pawn Online, we can connect you with title loan lenders all over California! Loans are available in person in Long Beach and San Francisco. You can also apply online or call 1-888-370-7434 to see how much you can borrow with your vehicle's equity!


    California State Capital Museum in Sacramento