Car title loans in California
Census ACS 2020–2024 5-year estimates; NCUA June 2026 call report; FDIC BankFind, Oct 2026.
California title loan rules at a glance
| Governing law | California Financing Law (Cal. Fin. Code § 22000 et seq.) |
|---|---|
| Rate / fee cap | Under $2,500: tiered statutory caps of roughly 12% to 30% a year, depending on balance. $2,500 to under $10,000: 36% simple annual interest plus the Federal Funds Rate. $10,000 and up: no rate limit. (Cal. Fin. Code §§ 22303, 22304, 22304.5) |
| Repossession notice / right to cure | If you miss payments or default, the lender can repossess the car. The DFPI notes some lenders use remote engine-disable devices that may include GPS tracking. (DFPI consumer guidance) |
Title loans online in California
You can start a California title loan online: fill out the short form, then the lender values your vehicle from its details and photos or a quick inspection. You keep driving your car while you repay, and the lien is released when the loan is paid off. How online title loans work.
Estimate a title loan
Title loan calculator
Many title lenders lend 25%–50% of a vehicle's value, and you keep driving your car. Estimate only; your lender shows exact terms.
Compare neighboring states
Lenders must follow the law of the state where you live, not where you visit.
| State | Status | Max loan |
|---|---|---|
| Arizona | Legal | — |
| Nevada | Legal | A title loan may not exceed the fair market value of the vehicle. |
| Oregon | Legal | — |
Title Loans by city in California
Counties in California
Show all 58 counties
Also see: Payday Loans in California · Personal Loans in California · All California loan options
Frequently asked questions
Are title loans legal in California?
Car-title loans are legal in California as California Financing Law (CFL) loans. Rates are capped on loans under $10,000. The DFPI says there is no rate limit on title loans of $10,000 or more.
What interest can title lenders charge in California?
Under $2,500: tiered statutory caps of roughly 12% to 30% a year, depending on balance. $2,500 to under $10,000: 36% simple annual interest plus the Federal Funds Rate. $10,000 and up: no rate limit.
When can a title lender repossess my car in California?
If you miss payments or default, the lender can repossess the car. The DFPI notes some lenders use remote engine-disable devices that may include GPS tracking.
How much can I get for a title loan in California?
The amount depends mainly on your vehicle's value, along with your income and California rules. Lenders typically offer a portion of what your car is worth, so newer vehicles with lower mileage usually qualify for more. You'll see the exact amount and terms before signing. Enter your vehicle's details on our form to see what lenders may offer. It takes about 3 minutes.
Can I get a title loan online in California?
Yes. Many title lenders let you start and complete most of the process online. You enter your vehicle and income details, then upload photos of your car, title and ID instead of visiting a store. Some lenders may still ask for a quick in-person inspection. Funds are usually sent to your bank account. Start your California title loan request in about 3 minutes.
Can I refinance my title loan in California?
Often, yes. Some lenders let you refinance an existing title loan into a new loan with a different payment amount or term, and a new lender may be able to pay off your current one. Options depend on your vehicle's value, your income and California rules. Enter your details on our form to see what lenders in our network can offer you. It takes about 3 minutes.
What do I need for a title loan in California?
Most lenders ask for a vehicle title in your name, ideally free of other liens, a valid government-issued ID, proof of income, proof of residence in California, and the vehicle itself for photos or a quick inspection. Some lenders also ask for proof of insurance or a spare key. Requirements vary by lender. Start our 3-minute form to see what lenders need from you.