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 San Francisco
We’re located in San Francisco, near Montessori House of Children and TRX Training Center, with Movement San Francisco also nearby. Look for us at 276 11th St.
A past bankruptcy does not automatically prevent you from getting a title loan in San Francisco. Because title loans are secured by your vehicle rather than your credit history, approval is based on your car’s value and your current ability to repay. If your bankruptcy is discharged, you own a qualifying vehicle, and you have income, you may qualify.
Title loan rates are generally higher than traditional bank financing in San Francisco. This reflects the borrower profile: title loans serve people outside the traditional credit system. California’s rate cap (approximately 39.6% APR for $,500-0,000 loans) provides a ceiling, but the cost is real and worth understanding before applying.
