Title Loans in Sacramento

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

California sets no state minimum or maximum on a title loan, but we recommend keeping your loan at or under $9,999 so you stay inside the state rate cap.

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 reason we suggest staying under that line.

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

You need just a few things to get started:

• A California title in your name for the car, truck, or motorcycle
• A government-issued photo ID, such as your driver license
• Proof of income or your ability to repay
• Proof of a Sacramento-area address, like a utility bill

Clear photos of these are usually enough to move through our online application.

If you stop paying, we can repossess your car. That is the honest answer, but California gives you real protections along the way.

You are entitled to advance notice before repossession and a right to redeem your vehicle. And because California bars a deficiency judgment on these loans, we cannot chase you for a remaining balance after the car is sold.

If money gets tight, reach out early so we can talk through your options.

You are welcome to stop by our Sacramento locations, though most people never need to:

• 8352 Folsom Blvd #31, Sacramento, CA 95826
• 3319 Northgate Blvd #5, Sacramento, CA 95834, (279) 256-3747
• 3002 Capitol Ave unit B, Sacramento, CA 95816, (916) 848-5948
• 1408 28th St unit 104, Sacramento, CA 95816, (279) 202-9378

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 vehicles works, and the loan amount tracks each vehicle's value. Here are two real examples from our funded loans:

• A 2020 Jaguar F-Pace funded at about 35% of its value
• A 2017 Honda Accord funded at about 32% of its value

Whether you drive a daily commuter or something sportier, your car's value can be assessed and pre-approved completely online.

Yes. Your loan is secured by your vehicle's equity, so your credit score is not the deciding factor.

We look mainly at your car's value and your ability to make the fixed monthly payments. Terms run from 12 to 60 months, and you keep driving your car the whole time you repay.