Title Loans in Rowland Heights

Most 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 staying at or under $9,999 so your loan keeps the lower rate cap.

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

For 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.

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. There are no rollovers, and payments are fixed each month.

You need a few simple things 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 your ability to repay
• Proof of a Rowland Heights area address, like a utility bill

Because we work online, you can upload these from home, with no store visit^{^} required.

If you stop paying, we can repossess your car. That is the most important thing to understand before you borrow.

California law still protects you. We must send you a repossession notice and give you the right to redeem your vehicle. There is also no deficiency judgment, so we cannot chase you for a remaining balance after the car is sold.

If money gets tight, contact us early so we can talk through your options.

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

• 1502 Nogales St unit A, Rowland Heights, CA 91748, (562) 564-6253

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.

A wide range of everyday vehicles qualify, and your loan is based on what your car is worth. Two recent funded examples from this area show how that works:

• A 2016 Acura MDX funded at about 36% of its value
• A 2020 Toyota RAV4 funded at about 34% of its value

Newer, well kept SUVs and sedans common around the San Gabriel Valley tend to hold strong value, which can mean a larger offer.

Yes on both. Your loan is secured by your vehicle's value, so bad credit or a thin credit history does not automatically disqualify you.

You also keep driving your car the entire time you repay. We hold the title, not the keys, so your daily commute on the 60 or around West Covina stays uninterrupted.