Title Loans in Downey

Most Downey borrowers qualify for about 25% to 50% of their vehicle's value. The exact amount depends on your car's make, model, year, mileage, and condition, plus your ability to repay.

We suggest keeping your loan at or under $9,999. That keeps you under California's rate cap and helps keep your monthly payment manageable.

Borrow what the moment calls for and not a dollar more. A smaller loan is cheaper to repay and easier to manage month to month.

On loans of $2,500 to $9,999, the rate is capped 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 limited by law to $10 if you are 10 days late and $15 if you are 15 days late, and we never charge rollover fees.

You will need a few simple things to get started:

• Your California vehicle title in your name
• A government-issued photo ID, such as a California driver license
• Proof of income or ability to repay
• Proof of your Downey address, like a utility bill
• Photos of your vehicle

Because we work online, you can upload most of these from your phone without driving anywhere.

If you fall behind, we can repossess your car to recover what is owed. That is the honest answer, so it helps to borrow only what you can comfortably repay.

California law also protects you. We must send you a notice before repossession, you have the right to redeem your vehicle, and there is no deficiency judgment, meaning we cannot chase you for a balance after selling the car. If money gets tight, reach out early so we can talk through options.

Both work for us. Our Downey location is open if you would rather come in:

• 10020 Tecum Rd #11, Downey, CA 90240, (562) 444-1304

The whole thing is designed to be quick and convenient. For most people it is fully online, which means no store visit and no in-person vehicle inspection.^{^}

Most people get pre-approved online in under 7 minutes,^* and your money is sent by direct deposit once you are approved.

A wide range of cars and SUVs qualify, and recent Downey-area funded examples show the variety.

We have funded a 2021 Hyundai Santa Fe for about 35% of its value and a 2021 Jeep Wrangler for about 35% of its value. Family SUVs, trucks, and everyday sedans all tend to work well, as long as the title is in your name.

Yes. Title loans are legal in Downey and across California, regulated under the California Finance Lenders Law and overseen by the Department of Financial Protection and Innovation.

That oversight means clear terms, capped late fees, no rollovers, and the borrower protections built into state law. You keep driving your car the whole time, whether you are commuting on the 105 or running errands near Downtown Downey.