See How Much You Can Get For Your Car's Title
How To Get A Title Loan In California
Apply Online Or Call Us
California Title Loans offers multiple ways to get quick approval with a title loan. Use our website to submit an online application, or call us at 855-339-1001 to complete the loan underwriting over the phone. Our online car collateral application won't take long to complete. Once you apply, you will receive a follow-up call to finish the underwriting process.
Easy Documentation Process
You may need to submit a few documents after completing our online application. These requirements may include a lien-free car title, vehicle registration, government-issued ID, and proof of income. Some companies may also want to verify your employment status and credit history. This vehicle equity underwriting process is quick, but issues can arise if the car is not paid off.
Get Your Money Through Direct Deposit
Once the documents are verified and the car is inspected, you can expect final approval within an hour, and you will receive a deposit payment within one business day. The lender will often need to verify the vehicle's condition through an in-person inspection and then be added as a lienholder on the title before you can pick up the cash.
About Us
At California Title Loans, we understand what it takes to get emergency cash quickly. We've been offering pre-approval for auto title loans in California for a decade, and there's no reason you can't get cash if you have a paid off vehicle and proof of income. Our site is geared towards California residents, and we'll do our best to get you pre-qualified for the amount and terms you deserve. Don't hesitate to ask questions about secured loans or leave feedback on how we can better help you.
What To Know Before You Apply For A Title Loan In California
It shouldn't be challenging to get an auto title loan. However, it helps to understand the lending requirements and how you can increase your chances of being approved for a loan with your pink slip as collateral. That's where California Title Loans comes in! We help customers better understand what it takes to cash out equity from their vehicle, and our expert agents know what's needed to get your loan funded quickly. Underwriting for title loans is very different from that for payday loans or cash advances. The approval process is easier to follow once you know what types of vehicles can qualify.
A Straightforward Pre-Approval Process
Unlike bank loans, which take days to underwrite, you can be approved for a title loan in as little as one business day. We will call to verify your vehicle information upon receipt of an online application. At this point, we can issue preliminary approval contingent on a vehicle inspection and title transfer.
Bad Credit Is OK With A Title Loan
Bad credit is not necessarily a disqualifying factor when applying for a secured loan. Most lenders consider other factors when underwriting a title loan. These include employment history, vehicle condition, ability to repay the balance, and the equity available in your car.
Payoff Your Title Loan Early With No Penalty
A licensed lender should let you pay down the balance at any time without a prepayment penalty. An early payoff can save you a significant amount over the entire lending term that otherwise would have accrued as interest.
Keep Driving Your Car In California
Nearly all title loan companies in California will let you keep possession of your car during the life of the loan. This also applies when you pre-qualify for our auto equity loans. You get to keep your keys and drive to work while using your vehicle's title as collateral.
Quick Pre-Approval Title Loans Using Your Vehicle's Equity As Collateral
Common Questions About Borrowing Against Your Vehicle's Equity
Where in California can I get a title loan?
You have options to borrow against your vehicle's equity. If you have a lien-free car, truck, or motorcycle and can verify your income, you can apply online with California Title Loans, or call us at 855-339-1001 to get a quote. You can also apply with a licensed direct lender in your neighborhood offering in-person funding. After finding a lender, you can review the loan amount, repayment terms, and the monthly payment you're offered.
What documents do I need to apply?
The main requirement in California is a paid off car that's titled in your name. You'll also need your driver's license and registration info. Some companies will require information about past loans, current employment details, and references from family members or your employer. Contact the California Title Loans customer service team for a detailed list of required documents to complete your application.
Do I need to own my vehicle outright?
Yes, you will need a lien-free car title to qualify, and it's best if that car is a newer model with low mileage. Do you not have access to the current title, or have you lost the ownership information? You may be able to request ownership information or a replacement title through the California DMV.
Can I keep driving my car for the entire loan duration?
Most large title loan lenders will let you keep driving the vehicle. Some lenders will need assurances and may require a GPS tracking device, but typically, the pink slip will be sufficient collateral. Lenders know you can't get to work or repay the loan without a car. Check with your lender to ensure that you can keep the vehicle for the life of the loan. You must make your monthly payments on time to avoid the risk of losing your car to repossession.
Can I qualify for a title loan with poor credit?
Yes, you can be approved for a title loan with a poor credit score. Unlike unsecured lenders that mostly look at your FICO score, these loans are secured by the equity in your vehicle. While excellent credit isn't required, state law requires lenders to verify your ability to repay the loan. Therefore, your approval is based on your vehicle's resale value and your monthly income.
What's the time frame for online pre-approval in California?
A lender can underwrite your loan the same day you apply. This means they will process your application and visually inspect the vehicle. If needed, once they've signed off on the loan, you can expect funding in as little as one business day. Applicants in cities throughout Southern California can also meet their lender in-person to complete the underwriting even quicker!
How does a title pawn work in California?
A title pawn functions like a typical car title loan or auto equity loan, where you can get funds with just your car as security. A title pawn allows you to cash out equity from your vehicle; all that's required is that you hand over the car's title as collateral for the loan. With most auto pawns, your lender will be noted or authorized as the primary lienholder and will hold the title for the life of the loan. They will return the pink slip to you once the title pawn has been paid off.
How much income do I need to qualify?
The minimum monthly income required to qualify for a title loan in California is based on your loan amount and vehicle details. As of 2026, if you meet all other underwriting requirements, you may be pre-approved by showing sufficient proof of income. You will need to provide proof of income and show employment records or bank statements. You can provide proof of income from other sources, such as retirement income, disability benefits, or a side job.