Car Title Loans In California - Cash Out Your Car's Equity!
California is leading the way in regulating title loan companies within the state. Not only is it the largest state, but it’s also a hub for many personal loan lenders, banks, and online installment loan companies. Regarding short-term lenders in California, payday loan companies are still at the top. Even with that, dozens of companies with headquarters in California underwrite title loans online. Some of these lenders choose to focus only on in-state applicants and some will work in other states.
Car title loans are easy to get in 2025 as most companies offer entirely online underwriting services. That's the case with Car Title Loan Lenders USA, as we now provide same-day approval and funding where you can borrow up to $20,000. Not only can you cash out 50% or more of your car's equity, but you don't need to show good credit to get approved. Our team offers a quick and convenient way to borrow money when other local companies in California won't approve your loan because of bad credit.
Besides title loans on cars, we also provide funding for equity loans on motorcycles, trucks, and any other type of vehicle that's registered with the DMV. Title loans aren't an option for everyone and have high interest rates, but they can be a lifesaver if you need cash in one business day and have equity in your vehicle! Call Car Title Loan Lenders USA at 866-515-9866 for a no obligation estimate today.
Why Get A Lending Estimate From Car Title Loan Lenders USA?
Car Title Loan Lenders USA makes it easier than ever to get a same day title loan in California. You don't need to meet with a direct lender in person, as most underwriting and processing can be done online. There's also an option to submit your information over the phone by calling 866-515-9866, and we'll walk you through what you need and how much money you can borrow from a local company in CA.
What about if you prefer to meet with a local company? At Car Title Loan Lenders USA, we partner with many direct lenders in California. All of these companies offer fast funding with title loans of up to $20,000 and some can fund your loan in 24 hours or less. You don't need a good credit score when you apply; we only need your vehicle's title and income verification to approve your loan.
Fast Online Approval With Car Title Loan Lenders USA
Get approved in less than an hour with your vehicle serving as collateral for a loan. Submit details about your car and contact information and we'll get you a quote and payoff estimate that same day. Most customers who apply with us online can have their loan underwritten and pick up their cash in just hours.
Loan Amounts In California - How Much Can I Borrow
There's a good chance you'll qualify for $2,500 or more with a title loan in California. Anyone with a vehicle valued at $6,000 or more should be approved and some companies offer loan amounts of $10,000 or more for cars with low mileage. Your funding amount depends on the vehicle's resale value and how long you choose to repay the loan.
Get A Title Loan Online With Bad Credit
Title loans are now available to all customers regardless of their credit score and there's a reasonable chance your credit won't even be checked! Most personal loan companies require a FICO score of 650 or better, but that's not necessary with title loans. Instead of focusing on your credit history, we're more concerned with how much equity you have in your vehicle. Borrow $5,000 or more with a California title loan and don't worry about your credit!
Apply With A Title Loan Company In CA
Are you ready to see how much money you can get with an auto title loan in CA? Get together your vehicle registration documents and pink slip information. After that, you can contact us to determine a funding amount, interest rate and repayment term. There's no limit to how much you can borrow and access 60% or more of your vehicle's equity value. We work with companies offering title loans in Sacramento, Irvine, and San Francisco and you should be able to get cash in one business day or less!
Requirements For A Car Title Loan In California
Many borrowers don't understand how the application process works for online title loans. Some applicants we speak with do not know they can keep driving their vehicle after handing over the pink slip. There are likely dozens of secured loan companies in your city or county, which helps find the best loan amounts and APR. They believe that once they hand over the vehicle title, they lose all rights to keep it. Some companies will try to install questionable ignition locks or other devices onto the vehicle that disable the engine if there’s no payment. We know of a few auto title lenders in Los Angeles that do this. They receive little business, as most customers would instead apply with a company that lets them drive their vehicle outright.
Other borrowers think getting approved for online title loans will take days or weeks. Many people apply for bank loans or mortgage notes that can take forever to process. With these loans, you can often submit your application online and have cash in hand by that same day. Some don’t understand that having average or even good credit is not essential.
The most important factors are having equity in your vehicle and the ability to pay off your online title loan. Some online companies will also want to make sure you are employed. They will ensure you have direct deposit access with an active checking account. These details are much the same as payday loans and cash advances, but other than that, the process is different. The misconceptions often lead California applicants to do nothing when they should be looking for the best place to get approved. Don’t think you have nowhere to go when finding a vehicle equity lender in California.
Auto Title Loans in California – How To Apply
We do not know how many people are still seeking car title loans in San Diego and Los Angeles, but as of 2025, more and more companies are offering these loans with interest rates under 40%. What’s likely happening here is that more consumers can get fast cash online, and many are also applying for a title loan refinance.
Are you looking to save time and be matched with local companies in your neighborhood? Apply now with Car Title Loan Lenders USA, and we'll find a neighborhood lender in CA that offers online approval with fast same day funding. You can call us at 866-515-9866 to complete the underwriting with one of our agents. There's always the option to work with a direct loan company that offers an inspection and loan funding in one business day.
Changes To Expect With California Car Title Loans
More people than ever are applying for car title loans in California. But what will happen over the next few years as many companies no longer offer these loans? The current interest rate caps make it challenging to provide loans to customers with bad credit, but they're still an option for those with enough equity in a paid-off vehicle.
Don't want to see how much your vehicle is worth any longer and what loan amount you can qualify for! Apply online with Car Title Loan Lenders USA, and we'll work to get your application for a title loan in California approved and funded in less than 24 hours.