Title Loans in Merced

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

California sets no state minimum or maximum loan size, but we recommend keeping your loan at or under $9,999. That keeps you inside the state rate cap and usually means a lower overall cost.

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.

On loans of $2,500 to $9,999, California caps the rate 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 we suggest staying under $10,000.

There is a one-time $75 administrative fee. Late fees are capped by law at $10 once you are 10 days late and $15 once you are 15 days late. Your payment is a fixed monthly amount, and there are no rollovers.

You need a clear vehicle title in your name, a government-issued photo ID, and proof that you can repay, such as recent pay stubs or bank statements.

It also helps to have proof of Merced-area residency, like a utility bill, and proof of insurance. A few photos of your vehicle let us confirm its condition without any in-person visit.

If you fall far enough behind, we can repossess your car. That is the honest bottom line, but California law builds in protections so it is not sudden or unfair.

You are entitled to a repossession notice and a right to redeem the vehicle before it is sold. There is also no deficiency judgment, which means once the car is sold we cannot chase you for any remaining balance. If money gets tight, call us early so we can talk through options.

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

• 492 W Olive Ave unit 300, Merced, CA 95348, (209) 457-5992

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.

Plenty, and not just standard sedans. Real funded examples in the Merced area include a 2017 Harley-Davidson FLHRXS Road King Special, funded at about 31% of its value, and a 2023 Subaru Crosstrek, funded at about 21% of its value.

That range shows motorcycles and newer SUVs both qualify. Your offer depends on your specific vehicle and your ability to repay, which is why we assess each car's value individually.

Yes. A title loan is secured by your vehicle, so your credit score is not the deciding factor the way it is with an unsecured loan.

What matters most is that you own the vehicle and can show you are able to make the fixed monthly payments. Terms run from 12 to 60 months, so you can choose a length that keeps the payment manageable for your Merced budget.