Fast & Easy Truck Title Loans In California!

Title Loans For Semi Trucks In California

It doesn't matter what you need the money for. At California Title Loans, we offer financing options for anyone with a paid-off commercial truck. Any owner-operator can qualify for a title loan of $2,500 or more, and you don't need to worry about your credit score when you apply with us!

Truck drivers across California turn to us when times are tough, and our user-friendly online application makes the application process easier than ever. With just your truck's make and model, we can provide you with an initial estimate, allowing you to complete the underwriting process in 24 hours or less. Call us at 855-339-1001 to see if your truck qualifies, or apply online to get pre-approved today!

What Is A Commercial Truck Title Loan

Commercial truck title loans are similar to title loans on a car or motorcycle and can be offered to anyone with a lien free rig. A lender keeps your rig's title as security until the loan is fully repaid, and you don't need to worry about having your truck repossessed as long as you make the monthly payments on time.

Semi truck title loans have been offered in California for over a decade. They provide an alternative option for owner-operators with poor credit who can't qualify for a personal loan. Most commercial trucks and trailers can be used as collateral for a title loan, and you can typically borrow up to 60% of your rig's resale value!

How A Commercial Truck Title Loan Works In California

1. Apply Online Or Over the Phone - Think of the application process for a semi truck title loan as if you were trying to get a loan based on the equity in your house. With a truck title loan, we need to know all the details about the equity you're using as collateral- in this case, your big rig. We'll use that information to generate a quote that details your monthly payment, interest rate, and loan amount.
2. Underwriting -  It takes just a few hours to underwrite a truck title loan in California. The process is easier than ever if you have all the necessary documents ready to send in. We'll need a photo of your truck's title, commercial driver's license, and recent odometer reading. At some point, you must also send in pictures of the truck, proof of income, registration, and letters of incorporation if you're applying for a loan with a truck that a company or LLC owns.
3. Vehicle Inspection - Even though you've already sent in pictures of your truck, you'll still need to have it inspected to determine its current value.
4. Finalize Lending Terms - This is the last step of the underwriting process. After your lender approves the loan terms and repayment amount, you can agree to or negotiate better terms for your truck title loan. After signing a contract, you'll transfer the truck's title to your lender, which will serve as collateral for the duration of your loan.
5. Payment Disbursement - Here's the best part about any title loan: This is when you get your money! Most payments are disbursed immediately after you sign over the truck's title, and it's up to you to decide how you want to use the funds. You can pick up your cash at any location in California or request the funds be sent by direct deposit or with a check that clears in one business day or less.

Loan Amounts And Interest Rates For Semi Truck Title Loans In California

Similar to car title loans, semi-truck title loans come with high loan amounts and interest rates that can be quite high.

The amount you borrow is based on your big rig's equity value, and there's no limit to how much you can borrow. Most applicants in California will qualify for $2,500 to $20,000 based on a big rig valuation of anywhere from $5,000 to $40,000. However, as we all know, commercial trucks can be worth a lot of money, and some customers be approved for a truck title loan of more than $20,000!

Interest rates on commercial truck title loans in California are high, primarily because these loans are available to individuals with poor credit histories. Yes, you run the risk of paying a lot of interest over the life of the loan and having your truck repossessed if you default on the loan. Ultimately, a truck title loan is one of the few options available for owner-operators to borrow money when they have poor credit and can't get approved for a bank loan.

As of 2025, you should expect an interest rate of 36% or less for most truck title loans in California. This is based on a loan amount of $2,500 to $10,000. For individuals seeking to borrow more, this is still possible; however, your interest rate is not subject to state lending laws. That means you may be charged an APR of 40% or higher on your loan.

What Types Of Trucks & Trailers Qualify In California

Anything that can be titled with the DMV will qualify for a title loan. It doesn't matter whether you have a dump truck, semi-truck, car carrier, box truck, or construction equipment. If your truck is registered and titled in California, there's a good chance you'll be able to cash out its equity with California Title Loans. We recently assisted a customer with a title loan on an asphalt truck, and there's no limit on the type of vehicle or truck that qualifies as collateral in California.

Choose California Title Loans - Apply For A Semi Truck Title Loan With Us Today

Are you sick of applying with local lenders who can't help you because of your credit score? Or do you want to cash out more equity from your commercial truck? At California Title Loans, we'll help you secure the highest loan amount possible in California, paired with an interest rate that enables you to pay down the balance on your truck title loan efficiently. Call us at 855-339-1001 to get a pre-approval quote in minutes. We'll get you started with just your truck's basic information, and you'll be well on your way to getting a title loan of up to $20,000!