Online Car Title Loans in California with No Credit Check

With Online Title Loans in California, you can get quick access to the necessary financing even with bad credit. Approval takes a few hours and the money will be on your account on the same day.

  1. Complete the application form
  2. Get instant approval from direct lender
  3. Sign the loan agreement
  4. Receive the loan same day


Car Title Loans in California with No Store Visit

Title loans can be a viable option for California residents seeking emergency cash. These loans are secured and allow borrowers to use their car title as collateral. While California state laws regulate title loans and offer some protection to borrowers, it is crucial to fully comprehend the terms and conditions of the loan before submitting an application, as title loans can come with steep interest rates and fees.

Any resident of California who owns a vehicle with a lien-free title can always get instant financing with Online Car Title Loans Direct Deposit.

Laws and Regulations Governing Car Title Loans in California

Legal StatusThe status of the loan as regulated by the state - legal, restricted, or prohibitedLegal
RegulatorState official document, act, or statute that regulates title loan lendingCal. Financial Code §4970 et seq. and §4973 et seq.( Sections A-2E)
Minimum Loan AmountThe minimum amount that you can borrow with a payday loan$2500.00
Min APRMinimum interest charged for borrowing that shows the yearly cost of the loan as percentage15.00%
Max APRMaximum interest charged for borrowing that shows the yearly cost of the loan as percentage30.00%
CollateralThe need to provide any kind of collateral to apply for a loanNone, unsecured
Repayment TermThe term for which the loan is issuedup to 31 days
TermsThe term for which the loan is issued Max loan term: 31.00 day(s)
Repayment term: up to 31 days
Finance ChargesAll the fees charged for borrowing this loan amount by the lender

For a $2,500 Title Loan either $50 or up to 5% of that amount.

Turnaround TimeThe time it takes for the loan to reach your account1 business day

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California Title Loans Rates and Terms

Below are some typical rates and terms for title loans in California that you should be aware of:

Interest Rates:

  • Interest rates vary between lenders, but typically, the maximum interest rate that can be charged on a title loan in California is around 30% per annum.
  • Additional fees, such as origination fees, late fees, or processing fees, may also be charged by some lenders.


  • Title loans in California are usually short-term loans, with repayment terms ranging from 30 days to 36 months.
  • The loan amount is typically based on the value of the vehicle, and borrowers may be able to borrow anywhere from a few hundred dollars to several thousand dollars.
  • Some lenders may offer the option to roll over the loan if the borrower is unable to repay it on time, but this can result in additional fees and interest charges.
  • If the borrower defaults on the loan, the lender has the right to repossess the vehicle and sell it to recoup the loan amount. However, the borrower may still be responsible for any remaining balance if the vehicle is sold for less than the loan amount.

Applying for a California Car Title Loan Completely Online

It is possible to apply for a California car title loan online without having to visit a physical store. Many lenders offer an online application process that allows borrowers to complete the application from the comfort of their own homes. Here’s what you need to know about applying for an online car title loan in California:

  • Find a lender

Look for a lender that offers online title loans in California. Check their website for information on their application process and requirements.

  • Fill out the application

Once you have found a lender, fill out their online application form. You will need to provide information about yourself and your vehicle, including the make, model, year, and mileage.

  • Submit documentation

You may be asked to submit additional documentation, such as a copy of your driver’s license, car insurance, and proof of income.

  • Wait for approval

After you have submitted your application and documentation, the lender will review your information and determine if you qualify for a loan. If you are approved, they will contact you with the loan details, including the loan amount, interest rate, and repayment terms.

  • Receive funds

If you agree to the loan terms, you will need to sign the loan agreement and provide the lender with your car title. The lender will then transfer the funds to your bank account or give you a check.

It’s important to note that online title loans in California are still subject to state regulations and the same risks associated with traditional title loans. Make sure you understand the loan terms and costs before accepting a loan offer.

Compare Loans Available in California at Instant Cash Loans

Eligibility Criteria for California Car Title Loans

To be eligible for a car title loan in California, you must meet certain criteria. Here are the general eligibility requirements that most lenders will consider:

  1. Ownership of the vehicle: You must own the vehicle outright and have a lien-free car title in your name.
  2. Age and residency: You must be at least 18 years old and a resident of California.
  3. Income and employment: You must have a steady source of income to show that you are capable of repaying the loan. This could come from a job, self-employment, or other sources of regular income.
  4. Vehicle condition and value: Your vehicle must be in good condition and have a certain minimum value. The lender will typically assess the value of your vehicle to determine the loan amount you are eligible for.
  5. Valid ID and proof of insurance: You must have a valid government-issued ID and proof of car insurance.
  6. Ability to repay: The lender may also consider your credit score, debt-to-income ratio, and other factors to determine your ability to repay the loan.

Keep in mind that each lender may have its own specific eligibility requirements, so it’s important to check with them directly to see if you meet their criteria. Additionally, you should carefully consider the terms and costs of the loan before deciding to move forward with the application process.

Are Title Loans Available for Bad Credit in California?

Title loans are frequently advertised as a potential solution for individuals with bad credit. This is because the loan is secured by the vehicle’s title, which may make lenders more likely to approve borrowers with a poor credit history. However, individuals with bad credit may be subject to higher interest rates and fees, which can result in a more expensive loan over time. It’s important to carefully consider the terms and costs of the loan before deciding to move forward with the application process.


In conclusion, car title loans can be a viable option for California residents in need of emergency cash, especially if they have bad credit. However, it’s important to understand the terms and conditions of the loan, as well as the risks involved. Title loans can come with high interest rates and fees, and failure to repay the loan could result in the loss of your vehicle. Before applying for a car title loan, consider other options and make sure you can afford to repay the loan according to the agreed-upon terms.

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Get your cash today by filling out a simple application form online

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