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 Rocklin
What’s Near the 5135 Pacific St Title Loan Location?
We’re located in Rocklin, near The Strum Shop and KidsPark Rocklin, with David Uribe Park also nearby. Look for us at 5135 Pacific St.
Can I get a title loan with bad credit?
Yes. You may still qualify with bad credit or a past bankruptcy. Approval is based mainly on your vehicle’s value and your ability to repay.
Are title loans expensive?
Yes. Title loans often come with high costs. In California, the rate is capped at about 36% per year plus the Federal Funds Rate, currently about 39% to 40% APR. For every $1,000 you borrow, expect to pay about $390 to $400 in interest per year. Use these only for short-term emergencies you can repay on time.
