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Premier Title Loans can get you qualified and approved for an instant online title loan. You don't need good credit and most applicants can qualify with a lien free car title and proof of income. Loan amounts start at $2,500 in CA.

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    Most people will need fast cash to pay for emergency expenses at least once. If you find yourself in this situation, you might wonder what options are available to get money now, no matter your credit history. Fortunately, auto title loan companies now offer online title loans in California. This means that you can borrow $10k or more based on the value of your vehicle. Get fully approved in less than an hour with cash into your bank account in one business day or less!


    What Do I Need For Online Title Loans In California

    One of the main auto title loan requirements in California is simply that you need to own a fully paid off vehicle. The vehicle must be in your name; the pink slip can’t have liens or other judgments attached to it and you can’t have a cosigner on the title. Once you have documentation showing the title, odometer reading, and proof of insurance, it is straightforward to get approved and funded. Besides the vehicle requirements, you must prove that you live in California and verify your age and title documents from the DMV.

    Some lenders will want proof that you have a job or other family income sources to enable you to make the upcoming monthly payment. In addition to a full-time job, you can show proof of other income sources like social security. disability payments, or annuity income. Companies offering loans against car titles want to know that you can make monthly payments and won’t be faced with the prospect of a default and subsequent repossession.


    Where To Get Auto Title Loans In California – Online Or In Person

    You can apply for an auto title loan online, get started over the phone, or meet with a local company in your neighborhood. Each option is best for some people, and you can’t go wrong with applying online or in person. People in SoCal can access money at hundreds of Los Angeles, San Diego, or Riverside locations. Applicants who live in Northern California may have fewer choices regarding the total amount of lenders. However, there are still plenty of options if you’re willing to drive around. In San Francisco or Oakland, you can find dozens of office locations throughout the Bay Area. Even those in Sacramento will have no trouble being able to compare direct lenders and check the financing rates and loan payoff terms.

    Another option is to apply for direct deposit title loans online and finish the underwriting and funding in person at an office in your neighborhood. You can do this online with Premier Title Loans, as we work with a handful of companies offering in person funding. Submit your vehicle and personal info online, verify your vehicle documents, and sign off on the paperwork at a lending office near you. Many companies allow you to apply online and finish the vehicle inspection that same day with a quick check of your car and odometer reading. Best of all, there are plenty of inspection places in Los Angeles and Orange County.


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    Online Title Loans In California With Bad Credit

    A low FICO score should preclude you from getting a California title loan. Most licensed lenders won’t even run a traditional credit check when underwriting your application. We see applicants apply all the time with credit scores under 600, and their credit turns out to be far less important than the equity in the vehicle. The bottom line is, don’t worry about your bad credit history, as these loans are intended for customers with poor credit. Your car, truck, or motorcycle is the collateral for your loan, not your credit!

    What Else To Know About California Title Loans

    These types of secured loans are straightforward once you realize you’re borrowing against the equity in your car. If your vehicle is worth more than the requested loan amount, you should have no issues getting funded. Even though your APR will be high, you can make extra monthly payments and repay the loan earlier than the quoted payoff term.

    Be aware of lending regulations and underwriting requirements in California. State legislators in Sacramento recently passed changes to title loan limits and finance rates. As of 2023, most companies in California have a minimum loan amount of $2,501, and the interest rates are capped at 36% plus the Federal Funds Rate. These interest rate caps are great for most applicants in CA as the rates are often lower than what you would see from secured lenders in other states.

    Consider that someone in Fresno applying for online title loans with no store visit a few years ago would have had an interest rate close to triple digits, but now the APR will be around 35%! A byproduct of these regulations is that many companies in the Golden State have stopped offering personal loans altogether or significantly lowered their loan amounts. Others have changed their underwriting requirements, making it more difficult to borrow money and get approved at these lower rates.


    Benefits Of Car Title Loans In California And How To Apply Online

    Guaranteed approval online title loans in California can be a great way to get fast cash. When applying with Premier Title Loans, your interest rate may be lower than what you would get from an unsecured lender. The vast majority of direct lenders in CA make it easy to get pre-approved within minutes of submitting your application. They offer same day funding in most cases, so you can have money wired into your account overnight if approved before the end of their business day. Best of all, you don’t need excellent credit for these bad credit title loans!

    Don’t worry about how you will solve your cash crunch. With Premier Title Loans, you can borrow $2,500 or more for your car’s title, and all we need is proof of income and verification of a paid off vehicle to use as collateral! We have agents ready to walk you through our online application, or you can apply over the phone at 800-250-6279!


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