Title Loans in Los Angeles

Most Los Angeles borrowers qualify for about 25% to 50% of their vehicle's value with Swift Title Loans.

There is no state minimum or maximum loan amount in California. What you can borrow depends on your vehicle's value and your ability to repay the monthly payments.

We usually suggest keeping your loan at or under $9,999. That keeps you inside California's stronger rate cap, which we explain in the next question.

Try to keep your loan as small as your situation allows. Requesting only the amount you need keeps both your interest and your total cost down.

For loans of $2,500 to $9,999, California caps the rate at 36% per year plus the Federal Funds Rate, which works out to roughly 39.63% APR as of June 2026.

Loans of $10,000 or more have no state rate cap, which is one reason we often steer LA borrowers toward staying at or below $9,999.

Other costs are limited and clear:

• A one-time $75 administrative fee.
• Late fees are capped at $10 once you are 10 days late and $15 at 15 days.
• Fixed monthly payments over a term of 12 to 60 months, with no rollovers.

Title loans in California are regulated under the California Finance Lenders Law and overseen by the Department of Financial Protection and Innovation (DFPI).

You need a few basic items, and you can submit all of them from your phone anywhere in Los Angeles.

• Your California vehicle title in your name.
• A government-issued photo ID, such as your California driver's license.
• Proof of income or ability to repay, like pay stubs or bank statements.
• Proof of address in the LA area, such as a utility bill.
• Clear photos of your vehicle, inside and out.

Because we review your photos and documents online, there is no in-person inspection^{^} and no need to bring your car anywhere.

If you fall behind and the loan goes into default, we can repossess the vehicle. That is the honest answer, but California law gives you real protections before and after that point.

• You receive a repossession notice and a right to redeem your vehicle.
• Late fees stay capped at $10 (10 days late) and $15 (15 days late).
• There is no deficiency judgment, so we cannot chase you for a balance after the car is sold.

If money is tight, reach out early. We would rather work with you, and the LA-area help options listed below can also support you.

You are welcome to stop by our Los Angeles locations, though most people never need to:

• 728 N Broadway ste 302, Los Angeles, CA 90012, (213) 397-2951
• 3581 Wilshire Blvd #101, Los Angeles, CA 90010, (213) 682-3614
• 1902 Avenue of the Stars #101, Los Angeles, CA 90067, (213) 674-2607
• 889 S Figueroa St Suite 100, Los Angeles, CA 90017, (213) 510-1735

We focus on making this as simple and convenient as possible. In most cases everything is done online, so there is no need to visit a store or bring your vehicle in for an inspection.^{^}

Most people get pre-approved online in under 7 minutes,^* and once you are approved we send your funds by direct deposit. You can finish the whole thing from home.

Yes. Here are two real funded loans that show how vehicle type and value affect the amount.

• A 2018 Toyota Camry was funded at about 24% of its value, a common sight on LA roads.
• A 2017 Harley-Davidson Road King was funded at about 33% of its value.

These land inside the typical 25% to 50% range, and your own estimate depends on your specific vehicle and ability to repay.

Yes. Title loans in California are legal and regulated under the California Finance Lenders Law (CFL), with oversight from the DFPI.

That framework sets the rate caps, fee limits, and borrower protections described above, including the no-deficiency-judgment rule and your right to redeem your vehicle.

If you ever have a question about a lender or your rights, you can contact the DFPI or the LA County resources listed below.