Title Loans in Thousand Oaks

You can typically borrow about 25% to 50% of your vehicle's value. The exact amount depends on your car's market value and your ability to repay.

In California there is no set state minimum or maximum loan. We do recommend keeping your loan at or under $9,999, because loans of $2,500 to $9,999 stay under California's annual rate cap.

Borrow what the moment calls for and not a dollar more. A smaller loan is cheaper to repay and easier to manage month to month.

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 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 $10,000.

There is a one-time $75 administrative fee. Late fees are capped by law: $10 if you are 10 days late and $15 if you are 15 days late. We never charge rollovers.

You need a few basic items to get started:

• A California car title in your name (or showing you are the registered owner).
• A government-issued photo ID, such as your driver's license.
• Proof of income or your ability to repay.
• Proof of residence in the Thousand Oaks area, like a utility bill.

Photos of these documents are usually all we need to assess your car and move forward.

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

We must send you a repossession notice and give you the right to redeem your vehicle. There is also no deficiency judgment, which means after we sell a repossessed car you do not owe any remaining balance. Your payments are fixed each month with terms from 12 to 60 months, so you always know what is due.

You can apply online or in person. Here is our Thousand Oaks location:

• 426 E Avenida De Los Arboles #100, Thousand Oaks, CA 91360, (805) 900-3531

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.

We fund a wide range of vehicles, from everyday commuters to higher-end models common around the Conejo Valley. Real recent examples in this area include a 2021 Honda Civic funded at about 35% of its value and a 2017 Porsche Macan funded at about 35% of its value.

As those examples show, both practical cars and luxury SUVs can qualify. What matters most is your car's value and your ability to repay.

No, bad credit does not automatically disqualify you. A title loan is secured by your vehicle, so your car's value carries most of the weight, not your credit score.

We still look at your ability to repay to make sure the loan fits your budget. Plenty of Thousand Oaks drivers with less-than-perfect credit qualify, and you keep driving your car the whole time you repay.