THINGS TO KNOW ABOUT ChoiceCash logo ?


  • Bad Credit isn’t Always an Issue1 – California residents with a bad credit history may still be approved for a ChoiceCash title loan serviced by LoanMart1! That’s because title loan funding depends on using a borrower’s car as collateral. Providers care more about how much value is in your vehicle and if you can repay the loan than your credit score! Your credit is considered during the inquiry process but is not the main focus.
  • Flexible Approval1Applying for a loan shouldn’t be a hassle. With a ChoiceCash title loan serviced by LoanMart, you can expect a flexible approval process designed with your needs in mind.1
  • Keep Your Car – With a title loan, a borrower puts their vehicle title up as collateral for funding. The great news about a ChoiceCash title loan serviced by LoanMart is that qualified borrowers can continue driving their vehicle during the entire repayment period1! Most people rely on their cars for daily transportation, which is a crucial part of their routine. As long as you keep up with your payments and are responsible, you will continue having full access to your vehicle.


A ChoiceCash title loan serviced by LoanMart comes with other benefits not mentioned above1! As a California resident, you can complete the inquiry process from the comfort of your home, and that’s because it is online! Enjoy the convenience of inquiring about a title loan without finding and visiting a store in person. You can begin the process by filling out this inquiry form or calling 855-422-7402 to speak with a ChoiceCash title loan representative. When a financial emergency arises, you need access to options quickly! Online title loans make that easy and convenient. 

Additionally, you may have the option to refinance your current title loan with a ChoiceCash title loan serviced by LoanMart1! Your terms and interest rate may not be favorable, but it’s not too late to change that- consider refinancing your current loan and see if you qualify for better terms and competitive rates!1 


Getting a title loan in California is a simple process, but you must still meet three initial requirements before you can hope to begin your inquiry. Unlike a traditional bank loan, which often comes with stricter application processes,  you only need to meet the below criteria to prequalify potentially.

  1. Prove Your Ability to Repay the Loan
  2. Have a Qualifying Vehicle Title in Their Name
  3. Be at Least 18 Years of Age or Older to Apply in California

As a resident of California, you must be at least 18 years old to begin the inquiry process for a title loan. Applying for this kind of financing is a big responsibility, so you must be an adult when doing so! Additionally, interested borrowers must prove their ability to repay the loan by providing proof of a steady income. 

Many alternative forms of income are accepted outside of having a traditional job! Contact a title loan representative by calling 855-422-7402 if you’re curious about your circumstances.

Finally, to inquire about a title loan in California, you must have a qualifying vehicle title in your name. Title loans require an applicant to use their vehicle’s title as collateral for the loan. Therefore you must have a legal car title in your name to enter the agreement. If you are still financing your vehicle, you may be able to qualify for funding as long as your vehicle meets the right criteria.1 


Most California residents rely on their vehicles for transportation. Whether you are going to work, running errands, or driving family members around, having a car is an integral part of many people’s lives! 

The best thing about inquiring about a ChoiceCash title loan serviced by LoanMart is that qualified borrowers can keep driving their vehicles during the entire repayment period1. That means your life doesn’t have to be inconvenienced by receiving your title loan proceeds!1 You can keep your normal driving routine as long as you make your payments on time each month.

Learn more about the repayment process for a car title loan with ChoiceCash Title Loans in California here.


If you meet the three initial requirements for a title loan in California, the next step is gathering a couple of essential documents. This is all the paperwork needed to complete the inquiry process for a ChoiceCash title loan serviced by LoanMart, so it’s best to ensure you have everything on hand before beginning your inquiry!

While some online loans often require lots of documentation, if you are applying for a title loan in California, you can expect to need:

  1. Bank Statements, Pay Stubs, or Another Document to Prove Income
  2. Proof of Address in California
  3. Recent Photos of the Car
  4. California Issued ID or Another Valid Government-Issued ID
  5. Car Title in Your Name 

You can look forward to a hassle-free approval process1 by ensuring you can find all of these documents before beginning the inquiry process! You can use many alternative documents besides pay stubs from a traditional job for income proof. Other accepted forms are:

  • Worker’s Compensation 
  • Annuity Payments
  • Settlement Funds
  • Self Employment
  • Retirement Income

Contact a title loan agent by calling 855-422-7402 if you have questions about the documents needed above!

title loans in california


If you’ve tried to apply for a loan in the past, you may have found it challenging for a few reasons. If you have a bad credit score, chances are the lender either denied you for it being too low or approved you with steep interest rates, hidden fees, and prepayment penalties. The good news about a title loan in California is that you may still qualify for cash even if your credit isn’t perfect! 

A lender will consider your credit score during the inquiry process, but it won’t be the main focus. Instead, title loan lenders care much more about:

  1. The Value of Your Collateral
  2. Your Income and Ability to Repay the Loan

This means you can access a flexible approval process through ChoiceCash title loans in California!1 Find out if your income and vehicle title can help you qualify for the funds you need through an auto title loan today.1 It takes no time at all to inquire about the cash you need to get back on your feet! 


California is one of the top destinations around the world! People flock to this sunny state for vacation, work, or even permanently moving there. It’s one of the largest states in America, with an incredibly complex highway transportation system. It’s common knowledge that if you live in California, you will be doing a lot of driving or walking to your destination. 

Not only are there plenty of standard highways that connect the many cities to one another, but there are some historic roads worth traveling down too! U.S. Highway 101 runs along the pacific coast throughout the entirety of California, with stunning cliffside views of the ocean and Big Sur National Park. 

California residents have many opportunities for inquiring about title loans, considering that they are the state with the highest number of car owners in the country! 


As a resident of California, you may be curious about what types of cars are dominating the road in your state. Some vehicles are consistently popular and in demand across the world. Some examples of these models include the Toyota Corolla, Honda Civic, many Volkswagen models, and the Ford F Series

In California, it’s common to see hybrid vehicles on the road! In fact, you will likely come across many energy-efficient ones. That’s because sunshine-state residents are some of the most environmentally cautious people in the country! California was ranked the 2nd most eco-friendly state, following closely behind Oregon. Unsurprisingly, many citizens would drive vehicles that use less gas and emit less harmful pollutants!

As a California resident, you can use your car as collateral for funding when you inquire about a ChoiceCash title loan serviced by LoanMart. It doesn’t matter if your car is popular or eco-friendly– as long as it still holds enough value, you may qualify for quick funding1


You don’t need to put much effort into finding a title loan location in California. That’s because you can inquire about your funding online, which makes things incredibly convenient for potential borrowers. If you need money fast, inquiring about a ChoiceCash car title loan serviced by LoanMart could be the best option1! If you meet the requirements and have the necessary documentation, you could maybe get access to funding within the same business day as inquiring.

The amount of title loan funding you may receive depends on how much equity you have in your car. You can figure this out by subtracting the amount you owe on the car in payments from the vehicle’s overall value. If you want help finding an estimated amount, you can use this online calculator tool to start!

The funding a lender typically gives out depends on this amount and is usually a percentage of the car’s value. The loan amount could be anywhere from 25-50% of your vehicle’s worth! 


As a vehicle owner in California interested in inquiring about title loans, you are probably wondering how much cash you can get with the value of your car. Your eligibility and the funding amount will depend on these two factors:

  1. The Positive Equity in Your Vehicle
  2. Your Income and Ability to Afford a Loan Payment 

Title loans in California are collateral-based loans, which means a borrower uses collateral in exchange for funding. A person’s eligibility for the loan will be based on the amount of available equity in their vehicle and their proof of income. 

If there is a lot of equity in your car, or it has a high overall value, you may be eligible for a higher loan if approved! The best way to find out is by beginning the inquiry process today. If you’re curious about what factors are considered when determining car value, below are some examples of what will be looked at:

  • Year, Make, and Model
  • Overall Condition of the Vehicle
  • Car’s Mileage
  • Any Modifications 

Don’t worry about having an older vehicle or a vehicle with many miles. Some older cars remain in high demand over the years, which could mean they still have value. Additionally, if you’ve kept your car in good condition over the years, it may not matter that your vehicle has higher mileage. Taking good care of your vehicle is crucial for maintaining a high value!

You can increase your car’s value in many ways, regardless of whether or not you’re inquiring about a title loan. Making sure your vehicle is in good condition is the best way to ensure longevity, and you can avoid paying for big fixes down the road. You should consider:

  • Taking Your Car in for Regular Maintenance
  • Having Minor Repairs Fixed
  • Having Cosmetic Repairs Fixed, Like Scratches or Dents
  • Getting Your Vehicle Cleaned and Detailed
  • Upgrade Certain Features That are Outdated

A car that looks and seems well taken care of will hold much more overall value than one that is neglected and worn out! Your vehicle’s condition matters when you apply for a title loan online.


Ready to see if you can qualify for the funds you need through a car title loan in California? With a ChoiceCash title loan serviced by LoanMart, the process is quick and straightforward for Californians1!

  1. Submit a Loan Inquiry Online or Over the Phone with a Title Loan Agent at 855-422-7402
  2. Send in a Few Documents to Verify Your Information and Californian Residency
  3. Get Approved and Get Your Cash! 1

Qualified borrowers have many options for repaying their loan funds from a ChoiceCash title loan serviced by LoanMart1. If you’re worried about making your monthly payments on time, you should consider setting up automatic withdrawals from your checking account. That way, you won’t have to remember when to pay your bills! The amount will be taken out automatically each month on the due date.

Additionally, approved borrowers can choose to pay their funds back by sending a check in the mail and going to a participating money transfer location in person. As a California resident, it can take no time at all to see if your information qualifies for a title loan! Start your title loan in California today by heading to the ChoiceCash title loan website.

How Can I Pay for My Car Title Loan in Person?

Pay for your car title loan at any MoneyGram location in California. MoneyGram is often located in convenient public stores such as Wal-Mart, Kroger, or CVS. Call 855-422-7402 to discuss your options with a loan expert, or see the map and location list below to see where your nearest MoneyGram is located:

For the sake of convenience for California customers, below is a map and list of just a few locations in the area, with many more statewide locations found here.

Frequently Asked Questions

Yes, you must have a vehicle title in your name to qualify for a ChoiceCash title loan in California!1 If the title is not in your name, you can transfer the title to your name by visiting the Department of Motor Vehicles in your area. You’ll need to fill out an application and pay a fee of $15.

The requirements for a ChoiceCash title loan in California can be simple and straightforward. To initially qualify, you must have a title to a qualifying vehicle in your name. Additionally, you must be able to provide proof of income and be at least 18 years of age or older to apply.

To qualify for a title loan in California, you must have a valid, government-issued photo ID, proof of residency in California, a car title in your name, proof of income, and recent photos of your vehicle. You can conveniently submit these documents via email or text message!

You don’t need to work a traditional job to qualify for a title loan in California! As long as you can prove your ability to repay the loan, you can apply for a title loan online. Just provide proof of an alternative source of income, like disability or pension income!1

With ChoiceCash title loans in California, eligible borrowers can receive their funding in as little as one business day! If you are approved, you can conveniently access your money through direct deposit, a check in the mail, or have the funds added to your debit card.1

Demographic and Financial Statistics for California

The below table provides some of the key income, loan, and financial statistics for California, which are intended to give you a better understanding of how your financial circumstances compare to other California residents. With this information in hand, we hope you gain a better idea of your financial options so you can decide if completing a title loan application is the right decision for you:

Average credit score (VantageScore®) 709
Average FICO® score 721
Average student loan debt $37,084
Average credit card debt $6,222
Average monthly car loan payment $567 (Lease) $572 (Loan)
Share of households that rent 45.1%
Average rent $1,586
Median gross rent $1,698
Median value of owner-occupied housing units $573,200
Median monthly owner costs - with a mortgage $2,548
Median monthly owner costs $664
Number of bank branches 6,038
Median household income $84,097
Per capita income $41,276
Average ChoiceCash title loan amount $13,798

What Locations in California Can I Get a ChoiceCash Title Loan in?

ChoiceCash is proud to service residents all over California including metro areas Los Angeles, San Diego, and San Jose. Call 855-422-7402 to discuss your options with a loan expert. If you are looking to pay back your title loan in person, check out the city list below to see where your MoneyGram locations near Title Loans California: