Title Loans in Hayward

Most Hayward 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 on title loans, but we recommend staying at or under $9,999. That keeps your loan inside the state rate cap, which saves you money.

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.

There is a one time $75 administrative fee. Late fees are capped by law at $10 if you are 10 days late and $15 at 15 days late.

Loans of $10,000 or more have no state rate cap, which is one more reason we suggest staying under that line.

You need a few basic items to get started:

• Your 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 residence, like a utility bill with your Hayward address.

Photos of these documents are usually all we need to move forward online.

If you stop paying, we can repossess your car. We would rather work with you first, so reach out early if money gets tight.

California gives you real protections. You get advance notice before repossession and a right to redeem your vehicle. There is also no deficiency judgment, so we cannot chase you for a balance after the car is sold.

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

• 19511 Hesperian Blvd #10, Hayward, CA 94541, (510) 901-3835

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.

All sorts of everyday vehicles qualify. We base the loan on your car's value, not just the badge on the hood.

Two recent funded examples from our area show the range: a 2021 Toyota C-HR funded at about 32% of its value, and a 2019 Nissan Rogue funded at about 30% of its value. Both are common sights on Highway 92 and around town.

Yes. You keep your keys and keep driving the whole time you are repaying.

We hold the title as security, not the car itself. So your daily commute over the San Mateo Bridge or school runs across Hayward stay exactly the same. Terms run from 12 to 60 months with fixed monthly payments and no rollovers.