1. Home
  2. Title Loans

Best Car Title Loans in San Diego, CA

Sept. 25, 2019, 10:54 p.m.

If you need quick access to significant cash and own a car, but your credit isn’t strong, a title loan is an option. This type of secured, short-term borrowing, which uses a vehicle as collateral, is popular in California. Our partners at ConsumerAffairs researched the best title loan companies in San Diego so you know the qualifications and how to apply.

×
#1
RECOMMENDED
Speedy Cash

No clear title needed!

VISIT WEBSITE
Sponsored Ad
#1 MOST POPULAR
Speedy Cash
Speedy Cash
Features
  • Any year, make or model
  • Loans up to $25,000
  • Available in San Diego
  • No clear title needed
Read More
VISIT WEBSITE Sponsored  Ad
#2
TitleMax
TitleMax
Features
  • Get quick approval online
  • Refinance your title loans
  • Secured car/motorcycle title loans
  • Available in San Diego
Read More
VISIT WEBSITE Sponsored  Ad
#3
Finova Financial
Finova Financial
Features
  • No prepayment penalty or fee
  • Same-day cash funding
  • Available in San Diego
  • Good credit isn't required
Read More
VISIT WEBSITE Sponsored  Ad
Big Car Title Loans San Diego
Big Car Title Loans San Diego
Features
  • M-Sun: 8am - 8pm
  • bigcartitleloanssandiego.com
Location
4411 Mercury St., Ste. 47
San Diego, CA 92111
(619) 345-5870
Get matched today
Fast Auto & Payday Loans
Fast Auto & Payday Loans
Features
  • M-F: 10am - 7pm
  • Sat: 9am - 4pm
  • Closed Sun
  • fastautoandpaydayloans.com
Location
3760 Gaines St., Ste. A
San Diego, CA 92110
(619) 858-0940
Get matched today
Siry Auto Group
Siry Auto Group
Features
  • M-Sat: 9am - 7pm
  • Sun: 10am - 6pm
  • siryautogroup.com
Location
8085 Clairemont Mesa Blvd.
San Diego, CA 92111
(858) 277-9077
Get matched today
Montana Capital Car Title Loans
Montana Capital Car Title Loans
Features
  • M-Sat: 10am - 7pm
  • Closed Sun
  • montanacapital.com
Location
2674 Imperial Ave.
San Diego, CA 92102
(858) 201-4259
Get matched today
San Diego Qik Title Loans
San Diego Qik Title Loans
Features
  • Hours unavailable
  • qiktitleloanssandiego.com
Location
9712 Distribution Ave.
San Diego, CA 92121
(619) 486-9522
Get matched today

How to get a title loan in San Diego

San Diego skyline

Both title loans and payday loans are short-term, high-interest types of borrowing meant as temporary financial solutions. But they are not the same; a title loan is secured, authorizing the lender to take possession of the borrower’s vehicle if the loan isn’t repaid. Title loans in San Diego also make it possible to borrow considerably more money.

With a title loan in San Diego, the amount you’re able to borrow depends on the value of the vehicle. The borrower surrenders the title to the car and gets it back once the loan is repaid, including interest and fees.

California caps interest on consumer loans up to $2,500, but 99.99 percent of title loans in the state exceed that threshold, allowing lenders to set their own borrowing costs; in 2013 a majority of title loans in California had annualized interest rates of 70 - 100 percent or higher.

Applying for a title loan in San Diego is done either online, over the phone or in person. The requirements may vary slightly from lender to lender, but in general you must:

  • Be 18 or older
  • Have a valid ID
  • Own a vehicle with a clean title
  • Have proof of income
  • Have proof of residency
  • Have proof of vehicle registration

The title loan company in San Diego may run a credit check, but good credit is not required.

California urges borrowers to exercise caution when considering title loans, not least because you risk losing your vehicle if the loan isn’t repaid on time. Before signing a contract, carefully review the terms of the loan and make sure you understand the interest charges, the annual percentage rate and all fees.

Borrow only what you can afford to repay, and consider cheaper alternatives first. If you do decide a title loan is appropriate, start by looking at the companies on this page.

Speedy Cash

Speedy Cash VISIT SPEEDY CASH

Speedy Cash is a national company with two locations in the San Diego area. Title loans are available from $2,600 to $25,000. Start your application online and complete it in store, then drive away with cash. Even if you’re still making payments, you can still qualify for up to $6,000. Reviewers include many repeat customers who say Speedy Cash lives up to its name.

Sponsored Ad

TitleMax

TitleMax VISIT TITLEMAX

TitleMax is one of the largest title lending companies in the U.S, offering cash to borrowers in as little as 30 minutes. This company features quick approvals and accepts applicants of all credit types. Start the process online and bring your car to a San Diego location for a quick appraisal. Reviewers appreciate the professional and friendly service at TitleMax and say the rates are competitive.

Sponsored Ad

Finova Financial

Finova Financial VISIT FINOVA FINANCIAL

Finova Financial, founded in 2015, offers fast and affordable title loans for San Diegans. Good credit isn’t required as long as you own your vehicle. The application process is entirely web-based, and same-day cash is available. Customers get access to a client portal for real-time management of loans. According to reviews, Finova Financial makes the borrowing experience stress-free.

Sponsored Ad
Advertising Disclosure Learn more

The information on our website is general in nature and is intended for informational purposes only; it is not legal, health, investment or tax advice. ConsumerAffairs.com makes no representation as to the accuracy of the information provided and assumes no liability for any damages or loss arising from its use. We may receive advertising revenue from some partners. See our FAQs for more information. At ConsumerAffairs we take privacy seriously, please refer to our Privacy Policy to learn more about how we keep you protected. You’re responsible for yourself so please remember that your use of this site constitutes acceptance of our Terms of Use. Copyright © 2019 Consumers Unified LLC. All Rights Reserved. The contents of this site may not be republished, reprinted, rewritten or recirculated without written permission.