See What 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 form takes less than 15 minutes to complete! Once you apply, you will receive a follow-up call to underwrite your application for a car title loan of $2,500 or more in California!
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 underwriting process is quick, but issues can arise if the car is not paid off or if you have past bankruptcies.
Get Your Money Through Direct Deposit
Getting cash for your vehicle in California couldn't be more straightforward. Once the docs are verified and the car is inspected, you can expect a final approval in minutes, and then you receive a deposit payment within one business day. The lender will take possession of the car's title and verify the vehicle's condition with an in-person inspection before you can pick up the cash.
About Us
At California Title Loans, we understand what it takes to get emergency cash with an online title loan in California. 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.
Fast & Simple Title Loans Online
It shouldn't be challenging to get an auto title loan. However, it helps to know the lending requirements and what you can do to increase the odds of getting approved. 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 far different than if you were looking for a payday loan or cash advance. The approval process is easier to follow once you know what types of vehicles can qualify. Use our lending resources to increase your knowledge about everything related to online lending in California.
Pre-Approval For Online Title Loans
Unlike bank loans which take days to underwrite, you can be approved for a title loan in as soon 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 Car Title Loans
Bad credit is not necessarily a problem with car title loans in California. Most lenders value other aspects while underwriting your loan. These include employment history, vehicle condition, ability to repay the balance, and the equity available in your car.
Payoff Your Loan Early With No Penalty
A legitimate car title loan lender in California should let you pay down the balance 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. Be sure your lender is one of these companies! Read the contract and ensure they don't put a tracking device on your car.
California Title Loans Offers Quick Pre-Approval With The Collateral From Your Vehicle!
Title Loans In California - Common Questions
Where in California can I get a title loan?
You have options to get a title loan! 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 pre-approved based on your vehicle's equity. You can also apply with a licensed direct lender in your neighborhood offering in-person funding. After finding a lender, you can decide on the minimum loan amount and the monthly amount to pay.
What documents are required to get a car title loan?
The main requirement for a title loan 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.
Do I need a vehicle to be approved for a title loan?
Yes, you will need a lien-free car title to get a title loan and it's best if that car is a newer model with low mileage. It's a problem if you can't find your pink slip detailing the current status of your vehicle's ownership situation. Sometimes you can look up this information online. Most DMVs in California will let you look up lost details, but it could take a while for them to send the pink slip.
Can I keep my vehicle if I take out a car title loan?
Most large title loan lenders will let you keep driving the vehicle. Some title loan companies will need assurances and may require a GPS tracking device, but typically, the pink slip will be enough collateral for them. Lenders know you can't get to work or repay the loan without a car! Check with your lender to ensure that you'll 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 be approved for a title loan with poor credit?
Yes, you can be approved for a title loan with a poor credit score. Unlike credit unions and banks that mostly look at your FICO score, a title loan in California is secured by the equity from your vehicle. While a perfect score isn't needed, state law requires lenders to verify your ability to pay off 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?
Companies that offer car title loans can get you pre-approved and underwritten 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, 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.
What are the income requirements for a car title loan?
The minimum monthly income required for a California title loan varies based on your loan amount and vehicle details. As of 2026, if you meet all other underwriting requirements, you have a decent chance of being pre-approved by showing sufficient proof of income. You will need to prove the source of income and show employment records or bank statements. There are always exceptions to the income requirements; you can provide proof of income from other sources, such as retirement, disability, or a side job.