Title Loans in San Bernardino

Most San Bernardino borrowers qualify for about 25% to 50% of their vehicle's value. The exact amount depends on your car's market value and your ability to repay.

There is no state minimum or maximum loan in California. We do recommend keeping your loan at or under $9,999, because that keeps you inside California's rate cap and usually means a lower cost of borrowing.

It is smart to borrow only what you actually need. The less you borrow, the less you pay back, so take what solves the problem and leave the rest.

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 about 39.63% APR as of June 2026. Loans of $10,000 or more have no state rate cap, which is one reason we suggest staying under $10,000.

There is a one time $75 administrative fee. Late fees are capped by law at $10 once a payment is 10 days late and $15 at 15 days late. Payments are fixed each month with no rollovers.

You need a few basic items to get started:

• The vehicle title in your name.
• A government issued photo ID, such as a California driver license.
• Proof of income or ability to repay, like pay stubs or bank statements.
• Proof of address in the San Bernardino area, such as a utility bill.

Photos of these documents are usually enough to move forward online.

If you fall behind, we can repossess your car, since the loan is secured by your vehicle's title. That is the honest answer, and we would much rather work with you first.

California gives you real protections. You get advance notice before repossession and the right to redeem your vehicle by catching up. And there is no deficiency judgment, so if your car sells for less than what you owe, we cannot come after you for the difference.

You can do either. You are welcome to visit our San Bernardino location, but you do not have to:

• 448 N Waterman Ave #1, San Bernardino, CA 92410, (951) 499-5804

We like to keep it easy. For most borrowers it all happens on a phone, with no trip to a store and no in-person inspection of the car.^{^}

Most people get pre-approved online in under 7 minutes,^* and approved funds arrive by direct deposit, so you never have to leave home.

Yes. We fund everyday vehicles, not just newer or luxury cars.

Recent San Bernardino examples include a 2020 Hyundai Kona funded at about 37% of its value and a 2020 Honda Civic funded at about 26% of its value. The amount you can get depends on your specific car and your ability to repay.

Yes on both counts. Because the loan is backed by your vehicle's title, bad credit or a thin credit history does not automatically disqualify you, and we look at your car's value and your ability to repay.

You also keep driving your car the whole time. Commute on the I-10, run errands in Del Rosa, or head up toward the Cajon Pass as usual while you pay the loan down. We also serve nearby cities including Riverside, Fontana, and Rancho Cucamonga.