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How to Get Low Interest Title Loans in California

By MattJones

If you live in California and are in need of fast cash for an emergency, or to fund a much needed vacation, a title loan can be a solution for you.  Let’s cover how auto title loans work in California and what is involved in getting a low interest rate.

Watch this video and continue to read more below to discover more.

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If you are in need of money quickly contact TNL today at

Getting a Low Interest Title Loan in California

First and foremost, a low interest title loan will almost always have a higher rate than any other type of loan you may get.  Generally, this is because a title loan will be based off the equity in your vehicle, and factors like credit score, past bill delinquencies, bankruptcies, foreclosures, unpaid medical bills, and unpaid credit card bills are not factored as much into getting a pink slip loan.  In California the minimum loan amount you can get is above $2,500 due to state law regulation vehicle title loans.  So, your car, pickup truck, suv, rv, camper, motorcycle or other vehicle must have at least $2,500 of equity in it–and many times you need more equity than that.

What Factors Go Into Getting a Low Interest Car Title Loan

Above we covered how important equity in your vehicle is when getting a low interest car title loan. You will also need the following to be able to get a loan:

  • Verifiable income of at least $1,200 a month – you must be able to prove this in terms of paycheck stubs, income statements, etc.
  • Full-coverage vehicle insurance on the vehicle you wish to borrow against
  • Other forms of income – like rental income
  • Your credit score will be run – but this can be lower than traditional financing options in most cases
  • Identification
  • Possession of the title
  • The condition of the title/vehicle – is it a salvage title or a clean title
  • Possession of the vehicle – in most cases, unless you are going to refinance your current loan into a title loan your vehicle needs to be paid off
  • Personal references
  • Professional references
  • Pictures of the vehicle
  • And a few other things that the lender will ask for

Understand these important qualifications for pink slip loans

Many times people don’t realize that the lender will only lend them a certain percentage of the equity in their vehicle.  This is because the lender will want to protect themselves from a default on a loan.  A default is when you do not pay your monthly payment, and the lender than has the right, like any finance company, to repossess your vehicle.  So, to get a loan of $2,510 in most cases you’ll need to have a vehicle that is worth at least $4,000 or more – this will depend on each lender.  Keep in mind that, in general, the higher your credit score, income, debt to ratio, and equity in your vehicle–the more power you have in negotiating a low interest car title loan.

If you need cash for whatever reason and live in California, don’t hesitate to call us today at 888-539-4724 or fill out the application form on this page to see if you qualify for a low interest car title loan in California.  One of our friendly representatives will take the time to help you get answers to your questions, and within about 5 to 10 minutes you can find out how much you qualify for and what your monthly payments will be.

If you’re visiting California and are in the San Diego area, consider visiting Balboa Park.  If you are in norther California and are in Sacramento consider visiting the state Capital.  If you live in or around Los Angeles or Orange County you can visit Disneyland.  Finally, if you’re in the San Francisco area the famous Alcatraz is a great place to visit.  At TNL we service the whole state of California and can help you get cash within 24 to 48 hours or faster.  Contact us today at 888-539-4724.

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Jill Banner

Highly Recommended by My Neighbors

I came in directly after my work shift and was worried due to the time restraints to get my loan processed in time. Everything went smoothly and quickly but most importantly, efficiently. Very friendly staff. I would recommend TNL for any person needing money quick.
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Kim Redding

Very Helpful Establishment

Getting a title loan was significantly easier than I anticipated. Bryan was really knowledgeable and walked me through the method with ease. If I’m ever in a tough position again, I’m confident that they may be able to help me out! Incredibly nice and very helpful!