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Find the Best Car Title Loans in San Diego, CA

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. We researched the best title loan companies in San Diego so you know the qualifications and how to apply.

Compare Top Payday and Title Loans

Overall satisfaction rating
  • Any year, make or model
  • Loans up to $25,000
  • Available in San Diego
  • No clear title needed

No clear title needed!

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Overall satisfaction rating
  • Get quick approval online
  • Refinance your title loans
  • Secured car/motorcycle title loans
  • Available in San Diego

TitleMax was founded in Georgia in 1998 and is now one of the largest title lenders in the United States with more than 1,000 locations in 17 states across the United States. The company offers title loans and title pawns for cars and motorcycles.

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TMG Loan Processing
Overall satisfaction rating
  • Apply online or over the phone
  • Application available seven days a week
  • Available in San Diego
  • Qualified customers can receive funds in as little as one business day.

Get quick approval online!

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Finova Financial
  • No prepayment penalty or fee
  • Same-day cash funding
  • Available in San Diego
  • Good credit isn't required
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Big Car Title Loans San Diego
  • M-Sun: 8am - 8pm
  • bigcartitleloanssandiego.com
Location
4411 Mercury St., Ste. 47
San Diego, CA 92111
(619) 345-5870
Fast Auto & Payday Loans
  • M-F: 10am - 7pm
  • Sat: 9am - 4pm
  • Closed Sun
  • fastautoandpaydayloans.com
Location
3760 Gaines St., Ste. A
San Diego, CA 92110
(619) 858-0940
Siry Auto Group
  • M-Sat: 9am - 7pm
  • Sun: 10am - 6pm
  • siryautogroup.com
Location
8085 Clairemont Mesa Blvd.
San Diego, CA 92111
(858) 277-9077
Montana Capital Car Title Loans
  • M-Sat: 10am - 7pm
  • Closed Sun
  • montanacapital.com
Location
2674 Imperial Ave.
San Diego, CA 92102
(858) 201-4259
San Diego Qik Title Loans
  • Hours unavailable
  • qiktitleloanssandiego.com
Location
9712 Distribution Ave.
San Diego, CA 92121
(619) 486-9522

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.

Title Loans Reviews

Accredited Partner

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.

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Accredited Partner

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.

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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.

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