Title Loans in Long Beach

Most Long Beach 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, but we suggest keeping your loan at or under $9,999. Staying under $10,000 keeps your loan inside the state rate cap, which protects you.

We also recommend borrowing only as much as you need, and no more. A smaller loan means less interest and a lower total cost.

For loans between $2,500 and $9,999, the rate is capped 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 more reason to stay under that line.

There is a one time $75 administrative fee. Late fees are capped by law at $10 if you are 10 days late and $15 if you are 15 days late. Payments are fixed each month, and we never roll your loan over.

You need a few basic items to get started in Long Beach.

• A California car title in your name.
• A government issued photo ID, such as a driver license.
• Proof of income or ability to repay.
• Proof of Long Beach address, like a utility bill or lease.

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

If you fall behind and cannot repay, we can repossess your car. That is the honest answer, so it is worth knowing the protections you have under California law.

We must send you a repossession notice, and you keep the right to redeem your vehicle. There is also no deficiency judgment, which means if your car is sold for less than you owe, we cannot chase you for the difference.

If money gets tight, talk to us early so we can look at options together.

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

• 2137 N Bellflower Blvd, Long Beach, CA 90815, (562) 566-3979

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.

All sorts of everyday vehicles work, from family haulers to sedans. The amount tracks each car's value.

For example, one Long Beach borrower used a 2018 Honda Odyssey for a loan of about 33% of its value, and another used a 2017 Audi A4 for about 34% of its value. Your own offer depends on your vehicle and your ability to repay.

Yes. Title loans in Long Beach are legal and regulated under the California Finance Lenders Law, overseen by the DFPI.

That framework caps your rate, caps late fees, bans rollovers, and bars deficiency judgments. You can read more about California title loan rules before you apply, and you stay the registered owner of your car the whole time.