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What do I need to get a title loan from Cash Time?

  • A Car or Truck Certificate of Title in Your Name
  • Loans Require Full Coverage Auto Insurance
  • Government Issued Identification
  • Minimum 18 years of age
  • Proof of California Residency
  • An Active Checking Account With Direct Deposit

Title Loans in California

What is a title loan?
Title loans are fast and easy cash loans secured by your motor vehicle.

Can I still drive my car with a title loan from Cash Time?
Yes, you can still drive your car with a title loan. When you get one of our title loans in California, Cash Time allows you to keep and drive your vehicle while you’re paying off your loan.

What if I have an old car with high mileage?
There are no year or mileage limits with our California title loans.

How much money can I get with a Cash Time title loan in California?
Cash Time can offer title loans for as little as $2600 or as high as $100,000 depending on your application and your vehicle’s value.

Why Choose Cash Time for Your Title Loans In California?

Industry Leadership – Cash Time Loan Centers has been providing title loans in Arizona for over 20 years.  Now we bring that expertise to California, and offer  better alternatives residents in need of an auto title loan.

Professional Customer Service – Cash Time is an accredited business with the Better Business Bureau and boasts an A-Rating.

On the Spot Approval – Loan approval takes less than 30 minutes, and we can send money directly to your bank account as soon as the same day..

Flexible Repayment Plans – Get California’s best title loan rates and flexible payment plans. You may choose from multiple cash loan models to ensure your payment works for your needs.

Convenient Hours and Service – Get your Title Loans in California 7 days a week for your convenience. If you are looking for loans for bad credit in CA, start your application anytime or schedule a visit for the fastest title loans in California.

No Repayment Penalty – With an auto title loan from Cash Time Loan Centers, you are never charged a fee for paying off your loan early.

Two Cash Loan Programs – Cash Time Loan Centers offer Installment loans and auto title loans in California to fit all of your cash loan needs.  For the best California Title Loans, call us today!

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Proudly Offering Title Loans In The Following Areas

Los Angeles, San Diego, San Jose, San Francisco, Fresno, Sacramento, Long Beach, Oakland, Bakersfield, Anaheim, Santa Ana, Riverside, Stockton, Chula Vista, Fremont, Irvine, San Bernardino, Modesto, Oxnard, Fontana, Moreno Valley, Glendale, Huntington Beach, Santa Clarita, Garden Grove, Santa Rosa, Oceanside, Rancho Cucamonga, Ontario, Lancaster, Elk Grove, Palmdale, Corona, Salinas, Pomona, Torrance, Hayward, Escondido, Sunnyvale, Pasadena, Fullerton, Orange, Thousand Oaks, Visalia, Simi Valley, Concord, Roseville, Santa Clara, Vallejo, Victorville, El Monte, Berkeley, Downey, Costa Mesa, Inglewood, Ventura, West Covina, Norwalk, Carlsbad, Fairfield, Richmond, Murrieta, Burbank, Antioch, Daly City, Temecula, Santa Maria, El Cajon, Rialto, San Mateo, Compton, Clovis, Jurupa Valley, South Gate, Vista, Mission Viejo, Vacaville, Carson, Hesperia, Redding, Santa Monica, Westminster, Santa Barbara, Chico, Whittier, Newport Beach, San Leandro, Hawthorne, San Marcos, Citrus Heights, Alhambra, Tracy, Livermore, Buena Park, Lakewood, Merced, Hemet, Chino, Menifee, Lake Forest, Napa, Redwood City, Bellflower, Indio, Tustin, Baldwin Park, Chino Hills, Mountain View, Alameda, Upland, Folsom, San Ramon, Pleasanton, Lynwood, Union City, Apple Valley, Redlands, Turlock, Perris, Manteca, Milpitas, Redondo Beach, Davis, Camarillo, Yuba City, Rancho Cordova, Palo Alto, Yorba Linda, Walnut Creek, South San Francisco, San Clemente, Pittsburg, Laguna Niguel, Pico Rivera, Montebello, Lodi, Madera, Monterey Park, La Habra, Santa Cruz, Encinitas, Tulare, Gardena, National City, Cupertino, Huntington Park, Petaluma, San Rafael, La Mesa, Rocklin, Arcadia, Diamond Bar, Woodland, Fountain Valley, Porterville, Paramount, Hanford, Rosemead, Eastvale, Santee, Highland, Delano, Colton, Novato, Lake Elsinore, Brentwood, Yucaipa, Cathedral City, Watsonville, Placentia, Glendora, Cerritos, Gilroy, West Sacramento, La Mirada, Palm Desert, Rancho Santa Margarita, Aliso Viejo, Poway, Cypress, Covina, Azusa, Dublin, Ceres, San Luis Obispo, Palm Springs, San Jacinto, Lincoln, El Centro, Newark, Lompoc, Bell Gardens, Danville, Rancho Palos Verdes, San Bruno, Rohnert Park, Coachella, La Puente, San Gabriel, Campbell, Brea, Culver City, Calexico, Stanton, Morgan Hill, LaQuinta, Pacifica, Beaumont, Montclair, Monrovia, Los Banos, Martinez, Temple City, Bell, Oakley, Manhattan Beach, Hollister, Claremont, San Juan Capistrano, Moorpark, West Hollywood, Beverly Hills, San Dimas, Dana Point, Pleasant Hill, Seaside, Lawndale, Wildomar, Menlo Park, Adelanto, La Verne, Foster City, Laguna Hills, Saratoga, Goleta, Paso Robles, Banning, Los Gatos, Santa Paula, Walnut, San Pablo, Los Altos, Burlingame, San Carlos, Atascadero, Atwater, East Palo Alto, Suisun City, Monterey, Ridgecrest, Maywood, Eureka, Norco, Benicia, Windsor, Imperial Beach, Paradise, Desert Hot Springs, Belmont, Soledad, South Pasadena, Wasco, Lemon Grove, Twentynine Palms, Brawley, Corcoran, Coronado, Lemoore, Sanger, Reedley, Seal Beach, Hercules, Lafayette, Cudahy, Galt, San Fernando, El Cerrito, Loma Linda, Selma, Calabasas, Laguna Beach, Riverbank, Barstow, Port Hueneme, Millbrae, Dinuba, South Lake Tahoe, Duarte, Blythe, Yucca Valley, Oakdale, Patterson, Agoura Hills, Lomita, La Cañada Flintridge, South El Monte, Marina, Hermosa Beach, American Canyon, Arvin, Chowchilla, Albany, Pinole, Dixon, Lathrop, Susanville, Orinda, Arroyo Grande, Arcata, Rancho Mirage, Shafter, El Segundo, Artesia, Greenfield, Santa Fe Springs, Laguna Woods, Truckee, Ukiah, Moraga, La Palma, Oroville, Avenal, Clearlake, Pacific Grove, Fillmore, Imperial, Parlier, Tehachapi, Ripon, Hawaiian Gardens, California City, Red Bluff, Mill Valley, Kerman, Palos Verdes Estates, Coalinga, Auburn, Grover Beach, San Marino, Livingston, Carpinteria, King City, Solana Beach, Grass Valley, Commerce, McFarland, Malibu, San Anselmo, Marysville, Grand Terrace, Fortuna, Larkspur, Lindsay, Scotts Valley, Los Alamitos, Kingsburg, Half Moon Bay, Healdsburg, Signal Hill, Mendota, Sierra Madre, Clayton, Hillsborough, Piedmont, Sonoma, Farmersville, Canyon Lake, Placerville, Exeter, Morro Bay, Newman, Shasta Lake, Emeryville, Anderson, Capitola, Taft, Corte Madera, Orange Cove, Tiburon, Cloverdale, Waterford, Live Oak, Westlake Village, Mammoth Lakes, Gonzales, Rolling Hills Estates, Los Altos Hills, Ione, Calimesa, Yreka, Calipatria, Corning, Pismo Beach, Crescent City, Firebaugh, Ojai, Fairfax, Sebastopol, Rio Vista, Orland, Woodlake, Fort Bragg, Cotati, Escalon, Guadalupe, Sausalito, Atherton, Huron, Hughson, Winters, Gridley, Loomis, Willows, Colusa, Holtville, St. Helena, Villa Park, Fowler, Gustine, La Habra Heights, Woodside, Solvang, Calistoga, Williams, Big Bear Lake, Indian Wells, Dos Palos, Sonora, Willits, Needles, Buellton, Lakeport, Jackson, Portola Valley, Brisbane, Del Mar, San Joaquin, Bishop, Angels Camp, Avalon, Carmel-by-the-Sea, Wheatland, Mount Shasta, Rio Dell, Monte Sereno, Nevada City, Weed, Yountville, Alturas, Sutter Creek, Ross, Westmorland, Portola, Belvedere, Colfax, San Juan Bautista, Rolling Hills, Hidden Hills, Colma, Biggs, Dunsmuir, Del Rey Oaks, Montague, Irwindale, Ferndale, Blue Lake, Maricopa, Bradbury, Tulelake, Plymouth, Dorris, Fort Jones, Isleton, Loyalton, Etna, Point Arena, Tehama, Trinidad, Sand City, Industry, Amador City, Vernon and all of California.

Collections Practices
Your Title Loan in California is secured by your vehicle. Missing one payment by a single day could trigger a default and put your vehicle at risk of repossession. For your convenience, during regular business hours we accept payments by cash, check, money order, and debit card. We can also process electronic payments (ACH) from your checking account. All payments made at an Express Loan Center will be credited to your account the following business day. Payments placed in an outside drop box (no cash) after regular business hours will also be credited to your account the following business day. We may contact you by telephone, email or regular mail regarding your account.

Failure to make your regularly scheduled payments may result in the repossession of your vehicle. If you fail to make a payment within 10 days of a due date, you will be charged a late fee of $10.

Potential impact to users credit score
We do not report customer account histories to any credit bureau. However, when customers apply for loans in California, we are given authorization to obtain their Credit Bureau Report. Subject to the policies of the credit reporting service, a customer’s Credit Bureau Report may reflect our inquiry, be recorded on that individuals credit history and may affect the individuals credit score.

Renewal Policy
You may request a renewal of your loan. However we are not obligated to do so. You may choose your loan renewal to be structured as either a Balloon Loan with no principal reductions or as a Fully Amortized Loan with principal reductions. There are no fees for a loan renewal.

Title Loan FAQs

What is a Title Loan?

A Title Loan is a fast easy short term cash loan secured by your vehicle.

Will Cash Time repossess my vehicle if I am late?

If you default on your loan, Cash Time may attempt to place a lien on your title and recover your vehicle.

Do I need an California Certificate of Title for an Auto Title Loan?

Yes, all lenders will require a California title. Converting an out of state title to a California title is easy to do and we can assist you with that.

Do I need auto insurance to get a Title Loan in Arizona?

No insurance coverage is required unless your loan amount is over $5,000.

Do you need to see my motor vehicle for a Title Loan in CA?

Yes. In order to receive a California Title Loan, a vehicle inspection is required

Does my vehicle registration need to be current?

No it does not.

Are there any year or mileage limits on my motor vehicle for Auto Title Loans?

No. There are no year or mileage limits.

Does my vehicle need to be paid for?

NO. While it is easier to qualify for the amount you are requesting on an Auto Title Loan when your motor vehicle is paid for, sometimes we can pay off your existing loan and issue you a new loan or we can offer you a Personal Loan.

Do I get to keep and drive my motor vehicle with a Title Loan in CA?

Yes, our title loans allow you to keep driving your vehicle.

What is the minimum and maximum California Auto Title Loan amount?

$2600 to $100,000

Can I get a Title Loan in California with bad credit?

Your credit history is not an important part of our customer evaluation.

How long does it take to get my money from a Title Loan in Arizona?

In most cases, 30 minutes or less. Funds sent directly to your bank account take about 1 business day.

How are my title loan funds issued?

We give you a Cash Time check drawn from a local bank and offer to cash it for you. Online applicants may choose to have funds deposited directly into their bank account as well.

Do I need an appointment?

No appointment is needed, but you are welcome to schedule an appointment for expedited service. You can apply online and schedule your appointment during your application process.

Can I qualify for a Title Loan if I am not currently employed, self-employed or do not receive a regular paycheck?

We may still be able to help you, just call us or apply to discuss your options.

What if I become late on my Title Loan payment?

It is very important to keep in communication with the Cash Time Loan Center that made your loan to discuss ways we can help you.

Can I make my title loan payment after hours?

Payments received after hours will be credited to your account the next business day.

What type of payment can be made via mail?

No Cash. Only personal check, cashier’s check, or money order.

What if I am not able to pay off my auto title loan by the end of my contract?

We will work with you, just call us to discuss ways we can help you.

What will my Title Loan payment schedule be?

Your payment schedule can be bi-weekly, semi-monthly, or monthly. We will work with you to determine the best fit for you at the time of your loan application.

How long does a Title Loan last?

The length of the loan depends on your payment schedule. We work with you to determine the best loan terms for your situation.

What is the interest rate?

For questions about interest rates, please contact a Cash Time representative. Or, use the link below for general information.

Annual Percentage Rates (APR):
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*Arizona Maximum Annual Finance Rates:

Loan Amount Rate
$0-$500 204%
$501-$2500 180%
$2501-$5000 156%­
$5001 and up 120%

**California Maximum Annual Finance Rates:

Loan Type Loan Amount Rate
Installment $2600 132%

* ARS § 44-291(G)
** APR may vary depending on loan amount and term.

Examples of Fully Amortized Loan Terms and Costs:

California Installment Loans:

Loan Amount Interest Rate Loan Term Payment Frequency # of Payments Payment
$2,675 132.00% 36 Months Bi-Weekly 78 $144.07

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