Frequently Asked Questions


Firstly, how does a vehicle title loans work? It’s simple; the lender uses your car as collateral. Your car is valued and you are loaned accordingly. In California, the minimum amount set by state law is $2,500. This is duly supervised by the DBO.


One of the first things that people ask us here at Car Title Loans is “What is the maximum loan amount I can get?” Lenders use a wide variety of factors to assess and determine the value of your vehicle and the maximum loan amount they can give you. We will get you the maximum title loans every time you apply with us. Getting maximum title loans from us is easy because we have a higher advance rate than other lenders. However, not all lenders let you in on that process in the way that Car Title Loans California does.

We have crafted new ways of valuing your vehicle and determining a lend-able amount so that the process will be as easy as possible and you will be able to borrow as much money as you might need. We can usually give you a quote over the phone by knowing just a few simple facts about your vehicle. We go to all this trouble to make the process as quick and painless as possible because we are aware that you are probably in a hurry and need money quickly.

We have consistently made our customers our top priority which is why we care about transparency and consumer education. We want to help you understand each step of the lending processing before you make any commitments. To understand better how you can get the maximum loan amount then please continue reading this article. If you decide that your car has enough value in it or you would like to receive a free quote from us on your vehicle, then fill out our online application or give us a call today!

Determining the Value for your Car Title Loan

You can get an idea about the value of your car before even speaking with us if you wish to by checking out any number of various car value estimators. One long-standing online free estimator is the Kelley Blue Book, at If you input your vehicle’s age, make, and model then you will be able to find out a ball-park estimate of the maximum loan amount of your car. That is usually the first step we take in determining the maximum loan amount. We run your vehicle through a more exact estimator to determine the trade-in value of it by using the year, make, model, style, mileage, and condition.

Most lenders go by the trade-in value of your car since that is what most dealerships would pay for it if you were to get rid of your car. To give you a free quote, we only require the basic facts. To get you a more solid quote with loan terms or equity loans, we require pictures of your vehicle to verify the mileage and the condition of your vehicle. Then when we pass over the money that you are borrowing we like to take a quick look at your vehicle in person so we can verify that the pictures were accurate and current.

Determining How Much We Can Lend for your Car Title Loan

Once we have determined a more exact picture of the trade-in value of your vehicle we can cut that down to the maximum loan amount for your title loan. We are usually able to offer UP TO 85% of the trade-in value price to qualified applicants. You can occasionally qualify for more than 50% or sometimes qualify for less. Whether you can get more or less than 50% is usually determined by the requirement to qualify. We cannot overextend our customers because of the high risk it poses to both us and them.

If you are left with any questions after learning about how we determine the value of your car or how to get a pink slip or how much you can get on a car title loan, then please give us a call. We would love to answer all your questions and give you a free quote on how much you may be able to borrow. However, if you have already decided that you would like to apply for a title loan with Car Title Loans California right away then go ahead and get started with our online application!

Learn more about Title Loans at


Looking for fast access to cash for an emergency? There are a few alternatives, but Car Title loan California online car title loan offers you the most advantages. Car Title Loans California, one of the California most reputable consumer finance companies, offers borrowers who own a vehicle the ability to borrow money rather easily. How It Works;

STEP ONE – Fill Out the Application

The first thing is to fill out the application online with correct response in boxes provided and we will be glad to walk you through it. Either way, we just need a little information so we know who you are, a bit about you, some details about your car, quite easy, isn’t it?

STEP TWO – Provide A Few Documents

Here you will have to provide us with a clear title to the car for registration and In addition to that title document, we will need to see a couple of other items to help us know who you are and where you live as this will help determine the type of loan to be provided for you. Your Car Title Loans California representative will tell you exactly what we need, but it will be simple items like your driver’s license and a utility bill or two, no cause for alarm.

STEP THREE – Get Your Car Inspected Online

You have the option to stop by one of our multiple inspection stations in California so one of our associates can take a quick look at the car to make sure it matches the title you are presenting.

Car Title Loans California representative will help you find the one nearest you, to reduce stress, you can simply upload the picture of the sensitive required part while we inspect from here.

STEP FOUR – Pickup Your Money!

Once we approve the loan, you can pick up your cash at the MoneyGram location nearest you! There are thousands all across California.

That’s it! No loans based on credit checks. No stacks of paperwork. No waiting.

Car title loan is no doubt filled with lots of benefits. All conventional loans will require an examination of your credit history. But in this case, the vehicle will serve as collateral and in the event that a borrower does not repay, the lender can take possession.

The loan is not dependent upon a borrower’s payment history. If you have a poor credit history, it will not affect your ability to take out a car title loan.

Continue driving your vehicle. You may think you have to give up your vehicle to the lender while you repay the loan. That is not the case. You are able to keep driving your car or truck as you pay back the loan. You do give up the title to the vehicle until you make your last payment.

Car title loans offer reduced rates of interest when compared with other car title lenders. Since the title to the vehicle provides the lender with a layer of security, they can charge less in interest.


Excessive worries can lead to anxiety, affect your relationships and even make you sick. Let me guess, you’re probably going through a terrible job loss, a barely steady job but the immediate needs just keep piling up mercilessly.

Chances are that you own a car and you are already thinking of getting a car title loan to offset most of the financial obligations but then, you wonder, can I get a title loan without a real job?

Definitely YES, you can get a title loan without a job at least from most title loan lenders.

With these loans, you can get funds to settle most pressing commitments. The fact remains, however, most lenders want proof of a job before giving you a loan but it shouldn’t put you off as you can still work your way around getting a loan if you look in the right places.

While we often hope for the best at all times. Cars, like every other property, frequently utilized could face susceptible to some of the ugliest unforeseen circumstances like an accident or a seemingly innocent mechanical failure can quickly plummet your car value and this is where a proof of income comes handy, a paying job/income ensures you are able to make up the difference in the event of such occurrence.

While some title lenders may be eager to hand you the loan without necessarily demanding for a proof of income, some states have laws against it.

This is done to protect you from legal issues that may arise as per your inability to repay such loan.

Though this article intends to enlighten you on getting loans without proof of regular income, it is best you have some source of regular income before applying for a title loan.

The income can be anything from a pension, disability, and alimony to regular employment or unemployment benefits.


Taking out loans without proof of income

On getting a loan without a job, many lenders allow you to take out car title loans without verifying your income provided a cosigner is presented on the loan agreement form.

The cosigner claims joint responsibility of repaying the loan if the borrower is unable to cover completely the deficits. However, different lenders come up with their lending policies concerning your cosigner, but one thing they all often have in common is making sure your cosigner is someone with a sound financial reputation.

A piece of advice here; ensure you work hand in hand with your cosigner so they get clear details of their part in the deal even if such is a close friend or family member (you certainly do not want to muddy your relationship with that person).

The awesome part of taking a car title loan is that the money is yours to use how you want and this could range from paying up the rent, keeping your cable running or the power on.

Once you find lenders willing to accept your car title loan application without any proof of employment, you are halfway done as all you need do is simply filling out the application form online and if you’re able to convince them of your repaying ability, you get approval pretty fast.


Buying a used car can be a tricky proposition. It requires a diligent search, test drives, and plenty of legwork to find the right car. One step that should never be overlooked is the search for any liens on the title. If you make a mistake and the vehicle has a lien on it, you may wake up to find your new car repossessed with very little that you can do about it. One should always know how to get a title loan with a lien.

The difference between a car registration and a car title is that the title relates to the ownership of the car, informs the state who actually owns the vehicle, and lists any liens on the vehicle. The registration, on the other hand, relates to the license plates on the car. License plates provide revenue to the state and are usually paid to the state DMV.

A title will not typically contain information regarding the registration or the license plate and should be kept in a safe place at all times. A registration, on the other hand, should be kept in the vehicle if you are wondering how to get a title loan with a lien.

Let’s now go to what a car Lien is. A car lien is a right that a loan company, bank or other party has to the vehicle in exchange for their assistance in paying for the vehicle. A good example of how to get a title loan with a lien: in exchange for the money to buy the vehicle, the bank puts a lien on the vehicle, which acts as “security” for the bank that you will repay the loan.

If you fail to repay the loan, the bank has a legal right to the vehicle, which they will repossess and sell to satisfy your debt.

When you finance a car (take out a loan to help pay for it) you are giving the lender (bank, credit union, etc.) partial ownership in the car until the debt is repaid. That is called a lien and they are the lienholder. (This also gives them the right to repossess (“repo”) the car should you fail to make payments on the loan.)

Once you repay the loan they will send you a release of lien and you should use this to apply for a new, “clean” title, in other words, one free from lien. Having a title with a lien on it will make it difficult to resell.

There are reasons a car may have a lien on the title, perhaps the owner used it as collateral on a title loan, or they owe the government some money or something else.

Liens can be applied to a vehicle by institutions other than banks or finance companies. If vehicle taxes or fees are not paid, the local government may put a lien on the vehicle.

Unfortunately, liens can pass to a new owner if the car is sold, so before buying a used vehicle it is important to know how to get a title loan with a lien.

Also, there is a type of lien called Electronic Lien. The Electronic Lien and Title Program (ELT) is a method by which lending institutions (lienholders) can exchange vehicle and title information electronically.