Auto Title Loans In San Diego

Get approved for a fast funding title loan in San Diego! Express Car Title Loans offers same day cash for a vehicle that's title in your name, and you don't need good credit.

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      Financial Services We Provide

      We Offer Fast Funding Title Loans In San Diego

      Express Car Title Loans can help anyone get cash with a vehicle title loan. You can qualify as long as you own the vehicle outright and have the car's pink slip. It takes a few minutes to complete our online application to see how much money you can borrow with loan amounts of $2,500 to $20,000! After submitting your vehicle details, we'll contact you to review your quote and underwrite the loan. The last step is to bring your vehicle in for an inspection at a San Diego location and sign the lending contract. All this can be done in one day and some customers can pick up their cash just hours after being approved!

      We also offer cash title loans in San Diego for boats, motorcycles and semi trucks. The qualification requirements for these secured loans are much the same as a vehicle and you can qualify if your car is completely paid off and titled in your name. Are you looking to refinance an existing title loan or looking for a buyout of a loan that's in default? Express Car Title Loans can help you! Contact us at 888-864-7180 to see how much we can reduce your rate with a title loan refinance in CA.


      Apply with Express Car Title Loans online anytime! It takes less than 3 minutes to complete our online application. We'll then underwrite your loan, with the possibility of same day funding.

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      Do you want to speak with one of our agents and have them walk you through the application? We can process and underwrite your application over the phone with approval in one business day.


      Some customers prefer to meet with a local direct lender. Express Car Title Loans offers loans throughout CA and we can also connect you with a direct lender in San Diego.
      Years offering title loans in San Diego
      WELCOME TO Express Car Title Loans

      It's Easy To Get An Instant Title Loan In San Diego!

      Unlike big banks and credit unions, Express Car Title Loans can approve your application in hours. There's no need for a lengthy credit check; we only need your car's title and proof of income. Some applicants can borrow upwards of $20,000 with just the equity from their vehicle. While some companies will offer up to 40% of your vehicle's value as a loan, we can go higher than that. If you have a fully paid off vehicle with under 100k miles, you can sometimes tap into 55% of the vehicle's value! Don't stand on the sidelines any longer. Apply with us online or call 888-864-7180 to start an application!

      Rates & Terms For A Title Loan In San Diego
      The APR and repayment term for a title loan in SD is set by California State Law. These regulations recently changed and as of 2024, the maximum interest rate is 36% plus the Federal Funds Rate. That means you can expect lower interest rates with an online title loan in California then in many other states. The repayment term for a loan over $2,500 ranges from 12 to 46 months.


      Requirements For An Online Title Loan in San Diego


      Paid off vehicle titled in your name – All types of cars and SUVs can qualify for a title loan and that includes those that are 2003 and newer. Even if your vehicle has 150,000 miles you can still qualify if there’s enough equity available. But all things being equal, the car has to be fully paid off and you can’t have liens or lienholders on the title.


      Income Verification – We need to see proof of income from your employer or bank showing you can afford the monthly payments. We accept proof with employment records or bank statements showing sufficient monthly income.


      Vehicle registration and proof of insurance – Is your car registered with the California DMV and do you have an insurance policy on the car that covers it if it’s totaled or stolen? 


      Identification and proof of residency in CA – Online title loans are possible for anyone in Coronado or La Jolla who owns a vehicle. But you need to have valid ID or drivers license showing California residency.


      In person vehicle inspection – Some companies offer title loans in San Diego with no inspection, but these types of loans are rare and you can typically only borrow $3,000 or less. Express Car Title Loans must inspect your car or SUV to ensure it matches the current resale price.  The inspection takes 30 minutes or less and can be done at any location in San Diego or Encinitas.


      Bad Credit Title Loans In San Diego

      Do you have a low FICO score? Even if you have a credit score under 600 you can still qualify for a bad credit title loan in San Diego. Express Car Title loans offers fast funding for anyone with a clean and clear vehicle and we don’t need to worry about your credit history. That means someone who recently went through bankruptcy or deal with a repossession can still qualify for an auto title loan if they have a car titled in their name. 


      Apply With Us Today

      Express Car Title Loans is a leader when it comes to auto title loans in San Diego and we can walk you through an application online or over the phone. Car’s valued at $6,000 or more can lead to a funding amount of $3,000 and most customers will qualify with little other than their paid off vehicle and income verification. Do you already have a loan from another company offering CA title loans? We may be able to lower the interest rate or get you a better payoff term with less money out of pocket. Apply online or contact us at 888-864-7180 to get more information!