Car Title Loans

  • Get up to $25,000 online
  • No credit checks required
  • No store visit required
  • Keep driving your car while making payments
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Won't affect your credit score

Online title loans in California

Get the money you need without the hassle. Sound Financial makes applying online for a title loan in California simple, safe, and secure.

Instant decisions

Apply online and get an instant decision within seconds.

Same-day funding

Get your funds deposited in your account as soon as today.

Secure application

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California rates and terms

Full transparency is our goal at Sound Financial. Get access to the interest rates and terms to help you make a sound financial decision.

Loan amount

$200 - $25,000

Repayment term

30 - 180 days

APR range

36% - 350%

* Loan amount, repayment term, and APR shown are for representative purposes only. Your actual rates and terms will be determined by your lender based on your creditwortiness and other factors.

How title loans work in California

Are you in need of quick cash and unable to apply for a bank loan due to bad credit? Applying for a title loan in the Golden State is a quick and easy solution to your cash flow needs. Whether you have to cover a surprise bill or an unplanned expense, a title loan can help you receive the money you need as quickly as possible here in sunny California.

What is a title loan?

Car title loans are short-term loans that use your vehicle as collateral so you can borrow up to a certain percentage of your car's worth. Because no credit check is required, you can be approved even with less than perfect credit. However, title loans come with risks such as the possibility of losing possession of your car if you're unable to repay the loan.

Learn: Can you get a title loan with bad credit?

California title loan requirements

While applying for a bank loan can be time-consuming, applying for a title loan is relatively simple. The requirements for a title loan include the following:

  • A California driver’s license or state-issued ID
  • A lien-free vehicle title
  • Proof of income
  • Proof of residency in California
  • A running vehicle

Learn: Can I get a title loan without the title?

Also, you must be over 18 years of age and not serving in the United States military.

The title loan process

Usually, applying for and receiving a title loan in California takes an hour or less. You must complete these six steps:

1. Application

Begin the process by filling out an application online telling us more about you and your car. Lenders will use this information to determine if you qualify for a title loan.

2. Verification

At this point, lenders will use the data from your application to verify the information before considering you for the loan. This typically includes your ID, proof of income, residence, and vehicle title.

3. Inspection

During the inspection process, we will take a closer look at your vehicle to determine it is in good working order and assess its fair market value.

Learn: Can you get a title loan with a damaged car?

4. Agreement

After the approval of your application and vehicle inspection, your lender will draw up a contract covering all details of your loan agreement. These details include the loan amount, repayment process, and interest rates.

5. Disbursement

Funds are then distributed to you through a variety of methods, including directly via a cash or check, or indirectly through direct deposit into your bank account.

Learn: Can you get a title loan without a bank account?

6. Repayment

Upon receiving your money, you are then responsible for making repayments on time as specified by your contract. You'll get your title back after the loan is fully repaid.

Learn: What happens if you don’t pay a title loan back?

How title loans are regulated in California

Title loans in California are currently regulated under California Financial Code § 22000 et seq.

Interest rates

The maximum interest rate for car title loans is 30%. According to state law, the minimum amount a consumer can borrow through a title loan is $2,500.

Repossession laws

Once a breach of contract occurs, the lender can seize your vehicle. Repossession may occur anywhere within the state of California if you default on your loan payments. Repossession may also take place if the lender discovers you provided them with false information.

The lender is not obligated to inform you before taking possession of your vehicle. However, they must tell you where it is and how to get it back after forty-eight hours of repossession. If you have not regained possession of your car within 60 days, the lender can place the vehicle for auction.

Cost considerations and title loan alternatives

The cost of a title loan in California is dependent on your loan amount and your APR. Here are a few examples to help illustrate the true cost of a title loan.

  • Example 1: You borrow $500 at an APR of 300% and pay it back in 30 days.
    If you took out a $500 loan and paid it back in 30 days, you would pay a total of $625 back to your lender in 1 payment. In this example, you’re paying $125 in finance charges to borrow $500.
  • Example 2: You borrow $500 at an APR of 300% and pay it back in 6 months.
    If you borrowed $500 and paid it back in 6 months, you would pay a total of $1,016.46 back to your lender in 6 payments of $169.41. In this example, you’re paying $516.46 in finance charges to borrow $500.

Personal installment loans: A better and more affordable way to borrow money with bad credit

There are alternatives if you want to borrow money but are not interested in receiving a title loan. For example, installment loans for bad credit are another quick and efficient way to secure the funds you need without having to offer your vehicle as collateral.

Unlike a title loan, an installment loan does require a credit check. However, a benefit of securing an installment loan is that it can help build your credit, which is practical if you have little credit history. An installment loan usually takes longer to pay off than a car title loan, although it is still considered a short-term loan.

Frequently asked questions

Here are some of the most commonly asked questions that we get regarding California title loans.

Can I qualify for a title loan with bad credit?

Yes! You can qualify for a title loan even with bad credit.

Can I get a title loan completely online with no credit check and no inspection?

Yes! You can apply for a title loan online without leaving the comfort of your home. The best part is that no credit checks are required. However, your vehicle must pass an inspection to ensure it is safe to drive and to determine the amount you can borrow.

Will I receive the funds from my title loan instantly?

Usually, you will receive your loan the same day you apply if you complete the process before 2 p.m. EST.

Do you offer car title loans near me?

Yes! We offer title loans nearby through direct title loan lenders in many cities in California, including:

  • Anaheim
  • Bakersfield
  • Chula Vista
  • Concord
  • Corona
  • Elk Grove
  • Escondido
  • Fontana
  • Fremont
  • Fresno
  • Fullerton
  • Garden Grove
  • Glendale
  • Hayward
  • Huntington Beach
  • Irvine
  • Lancaster
  • Long Beach
  • Los Angeles
  • Modesto
  • Moreno Valley
  • Oakland
  • Oceanside
  • Ontario
  • Orange
  • Oxnard
  • Palmdale
  • Pasadena
  • Pomona
  • Rancho Cucamonga
  • Riverside
  • Roseville
  • Sacramento
  • Salinas
  • San Bernardino
  • San Diego
  • San Francisco
  • San Jose
  • Santa Ana
  • Santa Clara
  • Santa Clarita
  • Santa Rosa
  • Simi Valley
  • Stockton
  • Sunnyvale
  • Thousand Oaks
  • Torrance
  • Victorville
  • Visalia
Customer reviews

Success stories from real people like you

Read real reviews from the many satisfied customers who chose Sound Financial for a title loan.

Jameson W.
star star star star star

I have taken out a title loan in the past and I can say much better experience with Sound.

Yusef K.
star star star star star

First time getting a title loan and this site made it super easy. They were upfront about fees and payments, which was hard to find, and the process was smooth.

Dennis M.
star star star star star

Best place to get this type of financing, hands down!

George V.
star star star star star

I appreciated the transparency and honesty of this marketplace. No hidden fees or surprises and exceedingly good customer service. A more than positive experience!

Paulina S.
star star star star star

Helped me find the right loan for my situation and did well in answering all my questions. 5⭐s!!!!

Jaime B.
star star star star star

I’ve been around the block a few times w/ these types of online loans and Sound is refreshing. Didn’t feel like I was being taken and it felt like they genuinely had my best interest at heart.

Ian G.
star star star star star

Ran into money trouble and came to Sound Financial for a title loan. Was pleasantly surprised by their quality of service (not typical). Very appreciative.

Creisha J.
star star star star star

Glad to see that there is a company out there that actually cares for borrowers with bad credit. 🤗❤️ Thank you!!

Antoinette C.
star star star star star

M/O 3 here with lackluster credit, so a title loan was my only resort. Sound helped me find a lender AND understand how to properly manage my repayment. Forever grateful.

Roderick T.
star star star star star

PROS: I was able to keep my car, fantastic customer care, site gave me all the pertinent details… CONS: None… Add me to the “another satisfied customer” list.

California title loans in 30 minutes or less.

Get the cash you need with our fast and flexible title loans. Apply now and see how we can help you today.

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