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 Jose
We’re located in San Jose, near South Bay Dance Fling and Central YMCA, with Challenger School – Strawberry Park also nearby. Look for us at 555 S Bascom Ave.
Under California law, if you miss a payment on your title loan in San Jose:
• A late fee of 0 to 5 may be charged (one fee per missed payment)
• Repossession of your vehicle is permitted without prior warning
• You will be notified before any sale and can reclaim the vehicle by settling the balance
A car title loan in San Jose works by using your vehicle as collateral instead of relying on your credit score. Your car’s value is evaluated during the loan approval process. A lien is placed on the title, and you receive the funds. You keep driving your car while you make monthly payments. Once the loan is paid off, the lien is removed and your title is returned.



