Title Loans in Oakland

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

There is no state minimum or maximum in California, but we usually recommend staying at or under $9,999. That keeps your loan inside California's annual rate cap.

You can get your car's value assessed and pre-approved online in under 7 minutes, with no store visit needed.^{^}

Try to keep your loan as small as your situation allows. Requesting only the amount you need keeps both your interest and your total cost down.

For loans from $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. Loans of $10,000 or more have no state rate cap, which is why we suggest staying under $10,000.

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.

Your payments are fixed each month, and there are never any rollovers.

You need just a few basics to get started:

• The vehicle title in your name
• A government-issued photo ID, such as a California driver's license
• Proof of income or ability to repay, like a pay stub or bank statement
• Proof of Oakland-area residence, such as a utility bill
• A few photos of your car

That is usually all it takes. Most of this can be uploaded online, so you rarely need to dig up anything extra.

If you fall behind and cannot repay, we can repossess your car. That is the real risk with any title loan, so borrow only what you can comfortably handle.

California law gives you strong protections, though. We must send you a repossession notice and give you the right to redeem your vehicle by paying what is owed.

There is also no deficiency judgment, which means we cannot come after you for a remaining balance after the car is sold. Talk to us early if money gets tight, because we would rather find a path forward than repossess.

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

• 1431 7th St #4, Oakland, CA 94607, (510) 369-4529

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.

Yes. Here are two real funded-loan examples from the Oakland area:

• A 2017 Land Rover Range Rover Evoque was funded at about 34% of its value.
• A 2023 Honda Civic was funded at about 39% of its value.

Both fall in the typical 25% to 50% range. Your own offer depends on your specific car and your ability to repay.

Yes, bad credit does not automatically disqualify you. Because the loan is secured by your vehicle, your car's value and your ability to repay matter most.

We look at the whole picture rather than a single credit score, so many Oakland drivers who were turned down elsewhere still qualify.

Loan terms run from 12 to 60 months with fixed monthly payments, giving you room to choose a payment that fits your budget.