Car Title Loans in California2026 Guide
California has strict regulations on title loans, particularly for loans under $10,000.
Legal Status & Regulations
Governing Law
Cal. Fin. Code §22000+
Last Reviewed: April 2026
Law Summary
The Fair Access to Credit Act (AB 539) significantly changed the landscape in California. For loans between $2,500 and $10,000, interest rates are capped at 36% plus the federal funds rate. Lenders must be licensed under the California Financing Law and provide clear disclosures regarding the cost of credit, including the APR and total finance charges. California also requires lenders to offer a 15-day grace period for late payments and prohibits certain predatory practices such as mandatory arbitration clauses in loan agreements. Furthermore, if a vehicle is repossessed, California law requires a "Notice of Intent to Sell" to be sent to the borrower, detailing the amount needed to redeem the vehicle and the date of the intended sale.
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.
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