Car Title Loans in California2026 Guide
Car title loans in California are strictly regulated under the Fair Access to Credit Act (AB 539) and California Financing Law. Learn APR caps for loans under $10,000, grace periods, and repossession rules in 2026.
Legal Status & Regulations
Governing Law
Cal. Fin. Code §22000+
Last Reviewed: April 2026
Law Summary
California heavily restricts title lending through the California Financing Law (Cal. Fin. Code § 22000 et seq.) and the Fair Access to Credit Act (AB 539). Interest rates on loans between $2,500 and $10,000 are capped at 36% APR plus the federal funds rate. All title lenders must be licensed by the Department of Financial Protection and Innovation (DFPI). Lenders must offer a mandatory 15-day late payment grace period and issue a formal "Notice of Intent to Sell" prior to liquidating repossessed vehicles.
Real Rate Example in California
A $1,500 loan in California at a typical market rate of Capped for small loans APR over 30 days would result in approximately $150 in interest and fees. Always compare multiple offers to find the most competitive rate.
What Documents You Need
- A clear vehicle title in your name
- A valid government-issued ID (Driver's License)
- Proof of residency (Utility bill, etc.)
- Proof of income or ability to repay
- The vehicle itself for a quick inspection
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CCPA & CPRA Privacy Rights Notice (California)
Under the California Consumer Privacy Act (CCPA) and the California Privacy Rights Act (CPRA), California residents have specific statutory rights concerning their personal finance data and files processed by our matching or referral platform.
Right to Know & Access
You have the right to request disclosure of what personal information we collect, use, and share about you, including the categories and specific pieces of data.
Right to Delete Data
You have the right to request deletion of the personal information collected from you, subject to certain legal and statutory exemptions.
Right to Correct (CPRA)
You have the right to request that we correct inaccurate personal information that we maintain about you.
Limit Sensitive Data (CPRA)
You have the right to limit the use and disclosure of sensitive personal finance and identification information to only what is necessary.
Right to Opt-Out of Sharing
We do not sell personal data, but matched credit referral transfers to network lenders can count as "sharing" or "selling" under CCPA/CPRA. You can request to opt-out.
Right to Non-Discrimination
We will never discriminate against you, charge different rates, or deny assistance or referral matching services for choosing to exercise your CPRA/CCPA legal privacy rights.
To exercise your privacy choices, submit a request, or exercise a Do-Not-Sell mandate, contact us at support@titleloansunion.com or review our comprehensive rights framework inside our Privacy Policy.
Title Loans Union Editorial Team
Loan Regulations & Guides
Our editorial team monitors state statutes, interest rate ceilings, and car title loan regulations across all 50 states. We analyze legal statutes, state regulatory filings, and consumer protection policies to provide clear, unbiased analysis of borrowing requirements and costs.
*Last reviewed: June 2026. Always verify with your state's financial regulatory body before applying. Laws change frequently.
Quick Info Card
Max Loan Amount
Varies
Max APR / Rate
Capped for small loans
Loan Term Range
Varies
Governing Body
Department of Financial Protection and Innovation