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If you are planning on applying for a vehicle-secured loan, you might be wondering if title loans are allowed in your state. Whether you are a resident of Los Angeles, San Diego, San Jose, or another metropolitan area of the Golden State, you are allowed to apply for title loans in California. However, you must meet the lender’s application criteria and be able to provide the right documentation during your loan request if you want to get approved for the financial help you need.1

If you need emergency cash assistance to make ends meet, it’s understandable, especially considering that the cost of living in California is 42% higher than the national average. With inflated grocery, healthcare, and housing costs, it’s no surprise that you, along with many other Californians, are struggling to stay afloat financially. According to the Federal Reserve Bank of Philadelphia, the average resident of California is over $100,000 in debt.

Whether you are struggling with debt, rent, or other financial issues, the solution could be found through car title loans in California. When a financial crisis occurs, some Americans may not have an emergency fund to fall back on. While the average FICO credit score in California is 721, you may not be in the same position as the average Californian, and qualifying for an unsecured personal loan could be challenging. Car title loans can be much more flexible than unsecured loans, so your credit score may not be an issue during your application.1

With a California title loan, you are borrowing against the value of your vehicle in order to access the financial help you need. You won’t be able to find car title loans that don’t require you to show the car, but you can access a convenient online application process that does not include a store visit or a physical vehicle examination! Additionally, although you must pledge your car, truck, or SUV’s title as collateral for the loan, you can continue to drive your vehicle during the repayment period. But you are expected to keep up with your title loan payments.1

Are you searching for a convenient way to apply for auto title loans in California? When applying for a ChoiceCash title loan serviced by LoanMart, you don’t need to jump through hoops to access the financial help you need! Complete a short online questionnaire to find out if you are eligible for instant pre-approval today.1


Applying for California title loans is designed to be simple and fast, which is advantageous because many applicants are experiencing financial emergencies that have time constraints. The best car title loans in California are fast, efficient, and online, so you don’t have to waste any time driving to a store to apply for emergency cash!

However, as mentioned above, meeting the initial application criteria is essential if you want to access fast financial assistance.1

The application criteria can often vary from lender to lender, but generally, the title loan requirements in California will include the following:1

  1. Be of Legal Age to Apply for a Loan in California
  2. Have a Title to a Qualifying Car, Truck, or SUV in Your Name is Essential
  3. Be Able to Provide Sufficient Evidence of Your Ability to Repay the Loan

On top of meeting these initial requirements, a ChoiceCash title loan agent will ask you to provide documentation to verify your information, identity, and vehicle ownership. As a resident of California, you can expect to submit the following documents during your application for a title loan:1

  1. Recent Pay Stubs, Bank Statements, or Another Qualifying Document to Prove Your Ability to Repay the Loan
  2. A California Driver’s License, Permanent Resident Card, or Another Valid, Government-Issued Photo ID Card to Prove Your Identity and Age
  3. Proof of Your Current Address in California Through Recent Utility Bills, Bank or Credit Card Statements, Lease Agreements, Mortgage Statements, etc.
  4. Photos of Your Car’s Interior, Exterior, VIN (Vehicle Identification Number), and Odometer Reading (Usually Located on the Dashboard) to Complete a Virtual Vehicle Inspection
  5. A CA Car Title, Which Must Be in Your Name

One of the many benefits of applying for online title loans in California is the fact that you have the ability to upload your documents through an online portal! With ChoiceCash title loans, you can choose to take advantage of the portal submission method during your application, or you can send your paperwork to a title loan agent through email or text message.

Do you have any questions about the simple application process for ChoiceCash auto title loans in California? Call 855-422-7402 today for more information, or start your loan request over the phone with no hassle! If you are eligible for a car title loan in California, you can get your title loan money wired to you and access your funds in as little as one business day.1

title loans california


As a resident of California, you may be curious about what types of cars you can use to apply for a title loan. Some vehicles that are consistently popular and in demand in the Golden State include the Toyota Corolla, Honda Civic, many Volkswagen models, and the Ford F Series. Whether you have a car, truck, or SUV, you can borrow against the value of your vehicle through an online title loan!1

It is possible to get car title loans for older cars in California. However, in order to use your vehicle as collateral for a California car title loan, it must have a qualifying amount of positive equity.1

Your vehicle will have positive equity if its market value exceeds the amount you owe on your car loan. If you don’t feel like doing the calculations yourself, speak to a title loan agent at 855-422-7402 and get a vehicle value estimate and a loan quote without any obligation!1

Even older cars can still have value, especially if they are classic cars, like the Jaguar XK-E, Ferrari 250 GTO, or the Chevrolet Corvette. Although most cars tend to depreciate in value as soon as they are purchased and driven off the dealership lot, certain makes and models, like the Honda Civic or the Toyota Tacoma, are known for holding some of their resale value over time. Apply for a California title loan with an older, newer, or classic car today!1


Finding a lender who will offer car title loans in California with no credit check will be downright impossible. Reputable lenders prefer to verify the financial history of an applicant, which includes checking their credit. This allows them to review the applicant’s ability to handle a new debt obligation.

Whether you have a history of missed payments, high credit utilization, or past bankruptcy, your credit score didn’t drop overnight. Regardless of the reason why your credit score may have taken a nosedive, it can feel impossible to fix when you’re struggling to make ends meet and stay on top of your bills. While it may not be possible to skip a credit check when applying for a California title loan, you shouldn’t be discouraged just because you have a poor credit history.

Don’t let your bad credit score and financial insecurities stop you from applying for emergency cash through a title loan. Applying for ChoiceCash car title loans in California with bad credit is possible!1

online title loans california


Gas prices in California have been consistently higher than the national average over the past few years. If you prefer to stay home and save money on gas whenever you can, you are not alone! Some people prefer to shop online, so why not apply for a title loan online as well?1

With ChoiceCash title loans serviced by LoanMart, applying for financial help as a resident of California can take just three simple steps:1

  1. Call 855-422-7402 or fill out a short pre-approval form online to find out if you are initially approved for a California title loan. Both options can take just a few minutes!1
  2. Submit the previously mentioned documents to verify your information. A title loan agent will review your paperwork for completeness after it has been successfully submitted.
  3. Upon final approval, the last step is to choose how to receive your funds and sign your electronic loan agreement! If you decide to receive your money through direct deposit or have your title loan funds added to an existing debit card, you can access your emergency funding in as little as 24 hours.1

If you are wondering how to get your California car title after the loan payoff, know that the process is not complicated. Once the repayment process has been completed, it may take up to 15 days (or more, in some cases) to receive your car title back. Call a ChoiceCash title loan agent at 855-422-7402 to get more information about acquiring the title to your vehicle after you complete the final loan payment.1

Frequently Asked Questions

Does the Car Title Need to Be in My Name to Qualify for Title Loans in California?

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.

What are the Requirements for Title Loans in California?

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.

What Documents Do I Need for Title Loans in California?

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!

Can I Apply for Title Loans in California with No Income?

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

How Quickly Can I Receive My Money from a Title Loan in California?

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: