Rates & Fees
Transparency is important to us. Below you'll find detailed information about our rates and fee structure.
In California, title loans are primarily regulated under the California Financing Law. For loans of $2,500 or more, interest rates are subject to state-mandated caps under AB 539, which generally limits rates on loans between $2,500 and $10,000 to approximately 36% plus the federal funds rate. However, actual APRs can vary based on the lender, the loan amount, and the borrower's creditworthiness. It is essential to review the specific terms, including origination fees and any late payment penalties, provided by your matched lender before signing any agreement.
Annual Percentage Rate (APR)
36% - 199% (Varies by lender)
Representative Example
| Loan Amount | Term | APR | Finance Charge | Total Repayment |
|---|---|---|---|---|
| $2,600 | 24 Months | 35.99% | $100 | $3,845.20 |
| $5,000 | 36 Months | 34.50% | $150 | $8,122.40 |
| $10,000 | 48 Months | 32.00% | $250 | $17,450.00 |
This representative example is for informational purposes only. Actual rates, fees, and terms will vary based on the lender you are matched with, your vehicle's appraised value, and your individual financial profile. Always read your specific loan agreement for exact figures.
State-Specific Information — California
Maximum Loan Amount: Based on vehicle equity, typically up to $50,000
Rate Cap: Approximately 36% + Federal Funds Rate for loans $2,500 - $10,000
Regulations: California AB 539 (2020) limits interest rates on consumer loans of $2,500 to $10,000. Lenders must provide a clear disclosure of all costs and follow specific repossession protocols.
Licensing: All lenders in our network must be licensed under the California Financing Law (CFL) or the California Deferred Deposit Transaction Law (CDDTL).