Know Before You Borrow in California
- Interest rate cap: 36% per year plus Federal Funds Rate (~39.6% APR as of Feb 2026)
- Loan range: $2,500 to $10,000+
- Repayment term: 12 to 60 months with fixed monthly payments
- Regulated by: Department of Financial Protection and Innovation (DFPI)
For complete California title loan regulations and consumer protections, visit our full California guide.
Quick Answers About Title Loans in Oakland
We’re located in Oakland, near Bright Future Early Learning and Great Western Power Company, with Claremont Canyon Regional Preserve also nearby. Look for us at 320 23rd St.
Yes. The age of your car can affect eligibility because the vehicle’s current market value is considered. Many older vehicles may still qualify, but the loan amount will depend on the car’s condition, mileage, and overall value.
Yes, it may still be possible to get a title loan in Oakland, CA if there is a lien on your vehicle. Eligibility depends on the remaining loan balance and the current value of the car. If there is enough equity in the vehicle, some applications may still qualify.
