How To Get A Title Loan In California

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Apply For A Title Loan Online

There are a few different options available to you when you apply for a car title loan in California. You can fill out your info online through this website or call the number provided. The online application will take about 15 minutes to complete. Once you submit the application you will receive a follow-up call to confirm if you have been approved and the loan amount. If you decide to call in you can expect the call to last a similar amount of time.

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Easy Documentation Process

You may have to submit a few documents after you complete the online application. These documents can include a copy of your California driver's license and pink slip. Some companies that provide loans online may want to verify your employment status and credit history. This underwriting process is quick but issues can arise if the vehicle is not completely paid off or if you have past bankruptcies or current title loans outstanding.

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Get Your Money Today!

The process of getting cash for your vehicle in California couldn't be simpler. Once the title loan docs are verified and the car is inspected you can expect a final approval within a short amount of time. Upon the lender signing off you can generally ask for your cash within one business day. The lender will need to take possession of your pink slip and verify the vehicle's condition. This process can sometimes be done in person when you pick up the cash.

About Us

Here at California Title Loans, we know what it takes to get approved for online financing here in California. We've all been in a situation where we needed cash in a short amount of time. We understand the need for online title loans and it shouldn't be difficult to be approved. Our site is geared towards consumers in California and we can get you qualified for the amount and terms you deserve. Feel free to explore our site and use the many resources that are available to you. Don't hesitate to ask a question about secured loans, or leave feedback on how we can better help you.

Get Help With Fast & Simple Car Title Loans

It shouldn't be difficult to be approved for an auto title loan in California. It helps to know how the process works and what you can do to increase the odds of approval. That's where we come in. We can help local residents better understand what it takes to get approved. Underwriting for car title loans is much different from if you were looking for a payday loan or cash advance. The approval process is much easier once you know what lenders are looking for and what they need. Use our lending resources to increase your knowledge about everything related to online lending in California. We can get you approved for a title loan near you!

Quick Approval For An Online Loan

Quick Approval For An Online Loan

Unlike bank loans, you can be approved for a car title loan in less than 24 hours. Most companies will call to verify information upon receipt of an online form or application. At this point, they can issue preliminary approval contingent on vehicle inspection.

You Don't Need Good Credit For A Title Loan

You Don't Need Good Credit For A Title Loan

Having bad credit is not necessarily a problem when it comes to getting an online car title loan in California. Most lenders value other aspects while underwriting your loan. These include employment history, vehicle condition and the equity available in your car.

Payoff Your Loan Early With No Penalty

Payoff Your Loan Early With No Penalty

Most legitimate car title loan lenders in California will allow you to pay off a loan at any time with no prepayment penalty. This is important as it can save you huge amounts of money over the full loan term that otherwise would have gone to interest payments.

 Keep Driving Your Car In California

Keep Driving Your Car In California

Nearly all online title loan companies in California will let you keep possession of your car during the life of the loan. Be sure your lender is one of these companies! Read the entire contract and make sure they don't put a tracking device on your car.

California Car Title Loans

Car To be used for a title loan application
01Jul2020
California is a state where many people own their own vehicles. The state is large geographically and it's important to have a vehicle to get to work or to just get around. That's why you need to know exactly what you're getting into when you apply for a car title loan. Some applicants don't know that they can keep driving their car during the life of the loan. […]
Search for a vehicle equity lender near you.
11Nov2020
Just because you're looking for a loan online in California doesn't mean you shouldn't consider the other choices. Some applicants insist on meeting with a local provider of car title loans near them for various reasons. Many insist on meeting with the company face to face. Others want to find out the loan terms quickly opposed to waiting for an online application. […]
keep your keys with a pink slip loan
31Mar2021
It used to take days or even weeks to get approved for a California title loan. You had to meet with someone face to face and it would take days for the lending company to underwrite your application. Those days are long gone. Like installment and payday loans, you can now submit all information online. This includes information like the car's condition and employment history. Once an auto title loan lender has all this information that can sign off on a loan within one business day. […]
review terms with online equity financing
31Mar2021
There's no way around it. You will have trouble getting a traditional loan if you have poor credit. Being able to show a good credit score when you apply for a vehicle loan or mortgage makes all the difference. With California title loans however, it's more to show there's enough equity in the vehicle in the case of missed payments. Even though you can have bad credit and still get approval for a title loan, that doesn't mean it's not important to improve your credit report. […]

Get Same Day Cash For Your Car's Title

Apply for a 24 hour car title loan in CA today.

Title Loans In California - Common Questions

Where in California can I find car title loans near me?

You have options when it comes to getting a car title loan near you in California. You can apply online for a loan amount that's based on your vehicle's equity. Or call in and speak to customer service. You can also submit an application for a secured loan with a lender that's near you. Then decide on the minimum loan amount and the ability to repay each month.

What documents do I need when applying online?

It's most important to grab your vehicle's pink slip. You'll also need your driver's license information and relevant vehicle information. Some companies will require information that relates to any past loans and current employment. Be sure to contact customer service about the loan application process to get an exact list of required documents.

Do I need a vehicle to be approved for a title loan?

Yes you will need to show proof of vehicle ownership to get a title loan. It's a problem if you can't find any record that details the current status of your vehicle's ownership situation. Sometimes you can find this information online. Most DMV's in California will let you look up lost details but it could take a while for them to send a car title. Good luck getting an appointment in Los Angeles or the Bay Area! There's always the option to take out an online payday loan if you can't find your vehicle title.

Can I keep my vehicle if I take out a car title loan?

Most of the large title loan lenders will let you keep driving the vehicle. Some title pawn companies will need assurances and may require a GPS tracking device, but typically the pink slip will be enough security for them. They understand you wouldn't be able to get to work and pay back the loan without proper transportation. Check with your lender to make sure this is the case. It's important that you make your monthly payments on time to avoid any chance of losing your vehicle to a repossession.

Can I get a title loan with bad credit?

The good news is that you don't need good credit to qualify for a title loan in California. Online title loans carry high interest rates and fees because you're handing over your auto title as collateral. That's why lenders don't put much emphasis on your credit score history or past lending decisions. You still need to disclose your credit history on your loan application and some firms may still have issues with bad credit. Most lenders will be fine knowing you are actively employed with a clear pink slip.

What's the time frame for an online title loan approval?

Most online title loan companies in California can approve you for a car title loan within 24 hours. This means they will process your application and visually inspect the vehicle. Once they've given final approval you can expect to get money within one business day. Applicants that live in metro areas like Los Angeles and San Francisco can also reach out to various local lenders. By doing this you can meet face to face and possibly get a better understand of how car title loans in California work.

How does a car title pawn work?

A car title pawn functions much the same as a typical title loan where you can get quick money with just your car title. A title pawn lets you get a cash advance and all that's required is you hand over the auto title as collateral for the loan. With most auto pawns we will be noted or authorized as the lien holder and hold on to the title for the life of the loan. Once the title pawn loan has been paid off we will release the pink slip back to you.

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What are the income requirements for a title loan?

The minimum monthly income required for a title loan will vary by state. In California it's going to be around $1,500 and can be more for larger loan amounts. You will need to prove that source of income and show employment records or another proof of how you get paid. There are always exceptions to the income requirements and you can substitute with other income sources like retirement or disability.

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  • 2102 Business Center Dr. Suite 130, Irvine, CA 92612
  • support@californiatitleloans.org
  • Phone: 855-339-1001