Car Title Loans in California
Need fast cash in California? As long as you have a vehicle with equity a car title loan in California is an option to consider.
- From $2500 to $10,000 plus
- No Credit Needed
- Instant Online Approval
- Direct Deposit Title Loans
- Keep Driving
- Same Day Service
No Credit Check
Instant Approval
Keep your Car
California Car Title Loan Benefits
Finding the best title loan in California can result in a number of benefits. Use the equity in your car to get the cash you need and take the time necessary to find the best deal for your situation.
Fast Cash
Get the cash you need with a car title loan 24 hours a day seven days a week.
Keep Driving
Unlike a car title pawn, keep driving your car while making title loan payments.
Best Rates
Keep more money in your pocket with the lower interest rates. Lower rates mean lower payments.
100% Online
No need for a store visit or inspection with completely online title loans.
Completely Online Title Loans in California
Car title loans are available from many location across California. This includes auto equity loans with monthly installments. Get an estimate with the car title loan calculator. There are several types of title loan services avialbel in California including:
- Completely online no inspection
- Completely Online no Store Visit
- Instant Online Title Loans
- Direct Deposit Title Loans
How it Works
Find out About the Title Loan Process in California
Fast Title Lenders helps you save time and money with car title loans in California. The process is simple, fast, and easy with three high level steps:
Apply for a Title Loan Online
The first step in the online title loan process is apply online. The application process is usually fast and easy.
Complete Loan Agreement
Make sure to read the loan agreement in full before signing. Get the best title loan for your situation.
Get Funds Direct Deposit
Once completing your title loan direct deposit is a common funding method; checks can be mailed also.
Car Title Loan uses in California
The proceeds from a title loan in California can be used for any reason. Some of the common reasons borrowers get a title loan in California include:
General Expenses
Many borrowers use title loan proceeds to cover general expenses until they have time to get the funds from another source. This can be any expense. Having equity in a vehicle makes it easy.
Car Repairs
The cost of car repairs and even general vehicle maintenance in California can be expensive. When an unexpected car repair comes up, a title loan can help pay for the repair to keep your vehicle on the road.
Medical Bills
Medical expenses can also be significant in California with a variety of factors determining the actual cost of the visit. Car title loans can be used as a short term solution for paying medical bills.
Home Improvements
Just like other services even a small home improvement can cost quite a bit in California. Having equity in your vehicle makes it easy to go through with a home improvement using the proceeds from the loan.
California Title Loan Types
The main type of loan available in California is a car title loan. With a car title loan there is no need for credit, your car is your credit.
In California there are also Motorcycle title loans. These require a motorcycle with a lien free title and enough equity to support the loan.
California is home to a number of high value classic cars. This makes getting a classic car title loan in California fast and easy.
Getting stuck in a high cost loan is no fun. In California it is also possible to get a title loan refinance to getter better terms.
California Facts
- Nickname: The Golden State
- Statehood: 1850; 31st state
- Population (as of July 2015): 39,144,818
- Capital: Sacramento
- Biggest City: Los Angeles
- Abbreviation: CA
- State bird: California valley quail
- State flower: California poppy
California Area Codes
209, 213, 310
California Demographics - Households
| Since 2017 | 2015-2016 | 2010-2014 | 2000-2009 | 1990-1999 | 1989 or earlier | |
|---|---|---|---|---|---|---|
| Total | 599,935 | 1,570,116 | 4,138,706 | 3,343,979 | 1,680,273 | 1,632,113 |
| Owned | 155,301 | 456,513 | 1,456,188 | 2,189,847 | 1,350,351 | 1,477,061 |
| Rental | 444,634 | 1,113,603 | 2,682,518 | 1,154,132 | 329,922 | 155,052 |
Title Loan Locations in California
Car title loans are widely available in California. This includes all major cities and the surrounding areas. Finding a title loan near you in California is easy with locations in:
- Los Angeles
- San Diego
- San Jose
- San Francisco
- Fresno
- Sacramento
- Long Beach
- Oakland
- Bakersfield
- Anaheim
There are also locations in many other states. Find out more about the different Fast Title Lender title loan locations.
California Title Loan Regulations
In California, auto title loans are regulated primarily under the California Finance Lenders Law (CFL) and the California Deferred Deposit Transaction Law (CDDTL). Here are some key regulations related to auto title loans in California:
California Finance Lenders Law (CFL):
- The CFL governs lenders who make consumer loans, including auto title loans, in California.
- Under the CFL, lenders must be licensed by the California Department of Financial Protection and Innovation (DFPI) to operate legally in the state.
- Lenders are required to comply with various regulations regarding licensing, disclosures, advertising, and fair lending practices.
California Deferred Deposit Transaction Law (CDDTL):
- While the CDDTL primarily regulates payday loans, it also covers certain aspects of auto title loans in California.
- Lenders offering auto title loans must comply with requirements related to loan disclosures, fee limitations, and borrower rights.
Interest Rate Caps:
- While California’s usury laws set a maximum legal interest rate of 10% per year for most loans, including auto title loans, there are exceptions for licensed lenders. Licensed lenders under the CFL can charge interest rates above the usury limit, but they are subject to caps and restrictions set by the CFL.
Loan Amount Limits:
- The amount of money that borrowers can receive through an auto title loan in California is regulated. The loan amount is typically based on the value of the borrower’s vehicle, but there are limits on the maximum loan amount that lenders can offer.
Repossession Regulations:
- California law imposes specific requirements on lenders regarding vehicle repossession in the event of default on an auto title loan. Lenders must follow proper procedures and provide notice to borrowers before repossessing their vehicles.
Consumer Protections:
- Borrowers are entitled to certain protections under California law, including the right to receive clear and accurate disclosures about the terms of the loan, the right to cancel the loan within a certain timeframe, and protections against unfair or deceptive lending practices.
It’s important for borrowers considering an auto title loan in California to understand their rights and the terms of the loan agreement. Borrowers should also be cautious when entering into these agreements, as auto title loans can carry high interest rates and fees, and failure to repay the loan can result in the loss of the borrower’s vehicle.
Frequently Asked Questions
Yes, completely online direct deposit title loans with no inspection are available. Other funding methods include a debit card and check.
Yes, one of the benefits of a car title loan in California is they are secured by your vehicle. This means the loan amount is based on your vehicle value and not your credit score.
Title loans in California are fast and can be funded the same or next day. Properly preparing, especially for completely online title loans, helps ensure there are no unnecessary delays.