Wondering if you can apply for online title loans in San Jose, California? The good news is that applying for an online title loan is definitely an option you can explore if you have a smartphone / computer, a car title in your name, and proof of your ability to repay the loan! Title loans are a type of secured loan that can provide qualified borrowers in California with the opportunity to use their vehicle’s title as collateral for a loan.1

The Federal Reserve Bank of Philadelphia reported that as of June 2022, 76.1% of residents in San Jose are in debt. If you fall into this large demographic and are looking for a way to consolidate your debt or get emergency cash fast, a car title loan may be the solution. Through ChoiceCash title loans serviced by LoanMart, applying for a car title loan can be a straightforward process to navigate these uncertain times.1

While there are many ways to go through the application process, applying online or over the phone can be the most convenient option! By following these three condensed steps, you can apply for an online title loan in San Jose, California:1

  1. Start Your Loan Inquiry Online or On the Phone: Call 855-422-7402 to speak with a ChoiceCash title loan agent directly, or go online to apply for an online title loan in San Jose, California. During the first step of the application process, you can fill out a short inquiry form and provide accurate information about yourself and your vehicle. When providing information about your vehicle, you will need to include the make, model, year, and current mileage listed on the odometer reading.
  2. Gather the Required Documents: Upon initial approval, there are several documents you will need to provide to get an online title loan in San Jose, California. The first document you must provide is your vehicle’s title, which must be in your name and possession at the time of your application. You will also be asked to upload proof of income, a valid, government-issued ID, and proof of residence.
  3. Receive Funds: If you are eligible for a ChoiceCash title loan in San Jose, California, you can receive your funds through direct deposit or add the funds to your existing debit card. Additionally, you can pick up your cash at any participating money transfer location in California. Once you review the loan terms and sign your electronic loan agreement, you can obtain your money as soon as the next business day.1

Applying for title loans in San Jose, California, shouldn’t be a hassle! Call 855-422-7402 today or visit the FAQ page to learn more about the application process.1


Although you must have an active checking account to apply for a personal loan or a payday loan, you will not need a bank account to get a ChoiceCash title loan in San Jose, California. Unless you would like to receive your funds via direct deposit, having a bank account is not a requirement for obtaining a car title loan.1

The primary requirement for a car title loan is that usually, you must own the vehicle outright. To own the vehicle outright, you have no existing liens or outstanding loans against the car. But, in some cases, it is possible to apply for a San Jose title loan on a financed car. If you are still financing your vehicle, the title lender may ask you to complete and sign a form authorizing them to pay off your existing car loan.1

Additionally, the other title loan requirements in San Jose, California, include the following:1

  • Being of Legal Age to Apply for a Car Title Loan in California
  • Providing Sufficient Evidence of Your Ability to Repay the Title Loan Funding

Although you may already know your ability to provide proper evidence of income and age, you may not know if your vehicle has enough positive equity to qualify as collateral for a title loan. If that is the case, just use this title loan calculator to receive a vehicle equity estimate and an online loan quote today!1

title loans san jose california


If you have been rejected for a loan due to a bad credit score, you may hesitate to apply for another loan option. However, even if you have bad credit, a car title loan in San Jose, California, may be able to help you get your finances back on track!

In San Jose, the average resident is around $149,154 in debt. Your current debt-to-income ratio can indirectly influence your credit score and ability to obtain a loan. Your credit score is calculated through various factors, including your payment history, the total amount owed compared to your available credit (also known as credit utilization), the length of your credit history and accounts, and any new credit inquiries on your accounts.

When you apply for a new loan, lenders will often consider your debt-to-income (DTI) ratio and your credit score. Unfortunately, a high DTI ratio may signal to lenders that you have a significant amount of existing debt, which could lead them to believe you are unable to repay the loan. If you already have a low credit score, it can be difficult to apply for unsecured loans or traditional bank loans.

Although you will not be able to find a lender who offers no credit check title loans in San Jose, California, it is still possible to obtain a title loan with subprime credit!

Car title loans are considered a form of secured lending because your vehicle’s title serves as collateral for the loan. Due to the fact that title loans are secured, your credit history is not the primary factor considered by title loan lenders when determining your eligibility for a car title loan. Therefore, even with a poor credit score and a rocky financial history, you may still qualify for a car title loan. When it comes to approving title loan applications, lenders are more concerned with the value of your vehicle and your ability to repay your loan proceeds.1

Call 855-422-7402 to speak to a ChoiceCash title loan representative and learn more about bad credit title loans in San Jose, California.1


Applying for a title loan online can be the most convenient way to find out if you are eligible for emergency cash assistance.1

To get approved for a title loan with no store visit in San Jose, California, you must provide certain documents during your loan request. Gather these documents ahead of time in order to expedite the loan application process. If you receive initial approval, you can expect to be asked to submit the following documents:1

  1. CA Vehicle Title: The title lender may hold on to your vehicle title throughout the duration of your loan, but you can maintain physical access to your car as long as you keep up with your monthly payments. If you have lost a copy of your vehicle title, you can request a replacement copy on the California Department of Motor Vehicles website.
  2. Proof of Identity and Age: You will be asked to provide a valid, government-issued form of identification, such as a California driver’s license, passport, or California-issued ID card, in order to verify your identity.
  3. Proof of Current Residence in California: Be prepared to provide proof of your current address during your loan application. This proof can be in the form of a utility bill, lease agreement, or other official piece of mail.
  4. Car Information and Recent Photographs: Be prepared to provide information about your vehicle during the initial inquiry form. Additionally, you will be asked to submit a few recent photos of your vehicle to complete a virtual inspection. You won’t be able to find title loans without an inspection in San Jose, California, but you can access a virtual vehicle inspection when applying for ChoiceCash title loans in California.1
  5. Proof of Income: Finally, you will need to provide proof of your income and, therefore, proof of your ability to repay the loan. This proof can be in the form of a recent pay stub, bank statement, or another piece of qualifying paperwork demonstrating your ability to repay the loan. If you do not have a traditional job, acceptable forms of alternative income are the following:1
    • Worker’s Compensation
    • Settlement Income
    • Retirement or Pension Income
    • Disability Income or SSI

After gathering these documents, you can submit everything online or send your paperwork to a ChoiceCash title loan agent via email or text message. Gathering up the necessary paperwork in advance can help speed the application process along.


If you are searching for an instant online title loan in San Jose, California, the following information could help direct your next steps.

Whether you are applying for a personal loan, auto loan, or title loan, you will not be able to get it instantly. The application process is simply not designed that way! Additionally, getting instant approval for a car title loan in San Jose, California, is also out of the question, but a conditional, initial approval is possible in real-time! However, final approval typically requires additional information about your vehicle and thus takes additional time.

Apply online to find out if you are instantly pre-approved for quick funding through ChoiceCash title loan in California, serviced by LoanMart!1


Applying for title loans with direct deposit in San Jose, California, can be simple if you have a computer or smartphone to securely access the internet! In fact, over 90% of households in San Jose, California, have access to the internet. You don’t need to leave your house to find out if you are eligible for the fast cash you need to handle a rainy day or pay for an unexpected expense. If you’re ready to apply for a car title loan, either submit a prequalification form online or use your smartphone to call 855-422-7402 and speak to a Choice Cash title loan agent!1

Addresses shown display closest MoneyGram locations. Map displays all MoneyGram locations in general vicinity.

    Locations near San Jose, California

    ChoiceCash is proud to service residents all over California including metro areas Los Angeles, San Diego, and San Francisco. Call 855-422-7402 to discuss your options with a loan expert, or see the city list below to see where your MoneyGram locations near San Jose:

    Featured Locations near San Jose, California

    Nearby States by California That offer a ChoiceCash Title Loan