Title Loans in Fontana

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

California sets no state minimum or maximum loan, but we recommend keeping your loan at or under $9,999. That keeps you inside the state rate cap, which saves you money over the life of the loan.

We encourage you to keep the loan as lean as possible. Less borrowed means less interest, so only take what you truly need.

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 more reason to stay under $10,000.

There is a one-time $75 administrative fee. Late fees are limited by law, capped at $10 if you are 10 days late and $15 if you are 15 days late. There are no rollovers.

You need a few basic items to get started:

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

That is usually all it takes. Because we handle this online, you can upload everything from home instead of driving across town.

If you stop paying, we can repossess your car, since the title is the collateral. We would rather work with you, so reach out early if you are struggling.

California law gives you real protections. You get advance notice before repossession and a right to redeem your vehicle. After a sale, there is no deficiency judgment, so we cannot chase you for a remaining balance once the car is sold.

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

• 15302 Summit Ave #1, Fontana, CA 92336, (909) 344-5486

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.

A wide range of cars, trucks, and SUVs qualify. Loan amounts track real vehicle value, not a guess.

For example, in our area a 2018 Ford Flex was funded for about 34% of its value, and a 2017 Jeep Wrangler was funded for about 36% of its value. Your offer depends on your specific vehicle and ability to repay.

Yes. Your credit score is not the main factor, because the loan is secured by your vehicle's value.

This makes title loans an option for many Fontana drivers who have been turned down elsewhere. We still look at your ability to repay so the fixed monthly payment fits your budget, with terms running from 12 to 60 months.