Car equity loans, also called auto equity loans or vehicle equity loans, let you borrow money against the value of a car you own. TFC Title Loans is a Los Angeles title loan broker. We compare car equity loan offers from licensed lenders so you can choose the terms, payment and loan amount that fit your budget.
Do you need quick cash but don’t know where to turn? Car equity loans might be the solution you are looking for.
TFC Title Loans can help you unlock the value in your car to get the money you need fast we can get you a 24-hour loan. Our referral lenders have the state-required licenses, ensuring you receive safe and reliable service.
Car equity loans allow you to borrow money using the equity in your car as collateral. This means the amount you can borrow depends on the value of your car, minus any outstanding loans.
Auto equity loans work similarly to home equity loans, allowing borrowers to use the equity accumulated in their vehicles as collateral for financing. It is important to understand the benefits and drawbacks before pursuing this type of financing.
Car equity loans or title loans, are a great option if you need cash quickly and have limited credit options.
Why Choose TFC for Car Equity Loans in Los Angeles
TFC Title Loans has been a trusted name since 1994. We connect you with licensed car equity lenders who comply with state and federal regulations.
Our process is designed to be quick and easy, helping you get the best possible loan terms based on your car’s equity. Auto equity loans pros include quick access to cash, flexible repayment options, and the ability to keep driving your car.
Experienced Broker: With years of experience, TFC Title Loans understands the importance of finding the best loan options for our customers. We are committed to providing top-notch service and ensuring you get the financial help you need.
Licensed Lenders: All our referral lenders have the state-required licenses, ensuring your loan is handled legally and professionally.
Customer Support: Our team is here to guide you through the process and answer any questions you may have, making sure you feel confident every step of the way.
What is an Auto Equity Loan?
An auto equity loan is a type of secured loan that allows you to borrow money using the equity in your vehicle as collateral. Much like a home equity loan, this financial product leverages the value of your car instead of your home. Auto equity loans are particularly useful for individuals who need quick access to cash and have a stable income.
How much you can borrow depends on the lender, your vehicle’s value and your income. Car title lenders often lend roughly 25 to 50 percent of a vehicle’s value, while banks and credit unions that offer cash-out auto refinancing set their own loan-to-value (LTV) limits based on your credit. Some lenders might even offer loans that exceed your vehicle’s equity, but this can be risky and may lead to financial strain. The loan amount is generally based on the current value of your car, minus any outstanding loans or liens.
Auto equity loans can be used for various purposes, such as making a down payment on a new car, financing a significant purchase, or consolidating debt. They are also a viable option for those with poor credit who might not qualify for traditional loans. By using the equity in your vehicle, you can secure the funds you need while continuing to drive your car.
Understanding Vehicle Equity and Loan to Value (LTV)
Vehicle equity is the value of your car after subtracting any outstanding loans or liens. If you own your car outright, your equity is 100%. However, if you’re still paying off an auto loan, you need to subtract the loan balance from the car’s current value to determine your equity.
To find out how much equity you have in your car, start by determining its current market value. You can use online vehicle valuation tools or check listings for similar makes, models, and years to get an estimate. Once you have an estimated value, subtract any remaining loan balance or liens to calculate your equity.
For instance, if your car is worth $10,000 and you still owe $3,000 on your auto loan, your equity would be $7,000 ($10,000 – $3,000). This means you could potentially borrow up to $5,000 with an auto equity loan, depending on your creditworthiness and other factors.
Understanding your vehicle equity is crucial before applying for an auto equity loan. It helps you determine how much you can borrow and what your monthly payments might be. Additionally, knowing your vehicle equity can guide you in making informed financial decisions and avoiding over-borrowing.
How Do Car Equity Loans Work?
Car equity loans allow you to borrow against the value of your car. This type of loan can beneficial if you need quick access to cash and have a vehicle with significant equity.
Auto equity loan refinance can also be a smart financial move. By refinancing an existing auto loan, you can obtain a lower annual percentage rate (APR), reduce your monthly payments, and potentially free up cash by extending the loan term.
Step 1: Apply for a Car Equity Loan Online
Application Process: Start by filling out an online application or calling us. You will need to provide basic information about yourself and your vehicle, such as the make, model, year, and mileage.
Once approved, the loan funds may be directly deposited into the borrower’s bank account, highlighting the convenience and speed of the transaction.
Step 2: Verify Documents and Vehicle Equity
Document Verification: Submit proof of income, identification, and your car’s title. Our referral lenders will verify your documents and assess your car’s value.
Step 3: Car Equity Loan Approval and Funding
Loan Approval: Once your application is approved, you will receive the loan amount quickly, often on the same day. You can continue to drive your car while repaying the loan.
Benefits of Auto Equity Loans
- Quick Cash: Access the money you need fast to cover emergency expenses. Licensed lenders offer auto equity loans as a financial solution for urgent cash needs, detailing the conditions such as credit history, income verification, and the requirement for insurance.
- Bad Credit Considered: Approval depends mostly on your car’s equity and your income, so bad credit does not rule you out. Many lenders still check credit.
- Keep Your Car: Continue driving your car while making loan payments.
- Flexible Repayment: Choose a repayment plan that suits your budget, with no prepayment penalties.
- Confidential Service: Your privacy is important to us. All information is kept confidential and secure.
Considerations Before Applying for Car Equity Loans
Before applying for a car equity loan, it is essential to consider a few factors:
- Repayment Ability: Ensure that you can meet the monthly payments comfortably to avoid additional fees or repossession of your vehicle.
- Loan Terms: Understand the terms and conditions of the loan, including interest rates and repayment schedules.
- Alternative Options: Consider other financial solutions such as personal loans or lines of credit, which may offer different benefits and requirements.
FAQs About Car Equity Loans
Q: Can I get an auto equity loan with a bad credit score?
A: Yes, in many cases. Car title lenders focus on your car’s value and your income, so a low credit score does not automatically disqualify you. Many lenders still run a credit check, and your credit can affect the rate you are offered.
Q: How much can I borrow with a car equity loan?
A: The loan amount depends on your car’s equity and your ability to repay.
Q: How fast can I get the money?
A: Many borrowers receive the money the same day they are approved, depending on the lender and your bank.
Q: Are equity loans safe?
A: Yes, as long as you work with licensed lenders. TFC Title Loans ensures all referral lenders are licensed and comply with state regulations.
Q: What documents are needed for a car equity loan?
A: You will need to provide proof of income, identification, and your car’s title.
Compared to an unsecured personal loan, car equity loans can be easier to qualify for with bad credit. Car title loans usually cost more than bank or credit union loans, so compare the APR and total cost before you choose.
Getting Auto Equity Loans Made Easy
TFC Title Loans provide a reliable way to handle financial emergencies. Whether you need to pay unexpected bills or require extra cash, our team is here to help you through the process quickly and easily.
Trust TFC Title Loans to connect you with licensed lenders who offer the best terms based on your car’s equity. We have different options for title loans.
We offer, auto title loans, commercial vehicle title loans, motorcycle title loans, title pawns, online title loans, pink slip loans, and RV title loans. We are here to help you get the most money with your vehicle equity.
Contact us today to learn more about how car title loans can work for you. Unlock the value of your car and secure the financial assistance you need with TFC Title Loans.
Learn More About Car Title Loans and Auto Equity Loans
- Title loans while still making payments
- Can I get a title loan on a salvage title?
- Title loan with bill of sale
- Title loan no pay stub
Car title loans typically require full ownership of the vehicle, often have high interest rates, and can lead to vehicle repossession if borrowers fail to repay.
Two Kinds of Car Equity Loans
The term car equity loan is used for two different products. Knowing which one you are applying for helps you compare offers fairly.
Car Title Loans
A title lender lends against a car you own outright or nearly outright. The lender holds a lien on the title and you keep driving the car. Approval depends mostly on the car’s value and your income. These are the car title loans TFC Title Loans helps you compare.
Auto Loans Against Equity
A bank or credit union pays off your current car loan and gives you a new, larger car loan. You receive the difference in cash. This is sometimes called a car loan with equity or a car loan against equity. Approval usually depends heavily on your credit score.
Cash-out refinancing usually costs less, but it is harder to qualify for. A car title loan is easier to get with bad credit, but it usually has a higher APR.
| Feature | Car title loan | Cash-out auto refinance |
|---|---|---|
| Who offers it | Licensed title lenders | Banks and credit unions |
| Credit needed | Bad credit considered | Usually fair or good credit |
| Typical speed | Same day to next business day | Several days |
| Typical cost | Higher APR | Lower APR |
| Collateral | Your vehicle title | Your vehicle |
When a Cash-Out Auto Loan Refinance Makes More Sense
If you have good credit and a steady income, ask a bank or credit union about a cash-out auto loan refinance first. The rate on a new auto loan is usually lower than a car title loan, and the payment is spread over a longer term.
A car title loan makes more sense when you need cash quickly, your credit score is low, or you do not qualify for a new auto loan. Compare both offers by the APR and the total repaid.
How Do You Calculate Your Car Equity?
Equity is what your car is worth minus what you still owe on it. Loan to value (LTV) is the loan amount divided by the car’s value.
Car equity = vehicle value - auto loan balance Loan to value (LTV) = car equity loan amount / vehicle value
Start with a realistic value. Free tools from Kelley Blue Book and Edmunds estimate trade-in and private-party values. Lenders often use wholesale or auction values, which are lower than the retail price or MSRP.
| Item | Example |
|---|---|
| Estimated vehicle value | $12,000 |
| Remaining car loan balance | $4,000 |
| Your equity | $8,000 |
| LTV if you borrow $3,000 (no other loan) | 25% |
| LTV if you borrow $6,000 (no other loan) | 50% |
Use our car title loan calculator for a quick estimate. The final amount is set after the lender reviews the car, your income and state rules.
Can You Get Car Equity Loans With Bad Credit or No Credit?
A car title loan can work for borrowers with bad credit, fair credit or no credit history. The car secures the loan, so the lender relies less on your credit score.
Most lenders still look at your credit. Some use a soft credit check. Others use a hard inquiry. Ask which one before you apply.
Be careful with ads for a no credit check auto loan. A lender that ignores credit may charge a higher rate to cover its risk. Compare the APR and the total cost the same way you would for any loan.
If your credit has improved, a credit union or bank may offer a lower-rate auto loan or cash-out refinance. Learn more about auto equity loans for bad credit borrowers and bad credit title loans.
Vehicle Equity Loans With Fair or Good Credit
With fair or good credit, you have more choices. Credit unions and banks may offer a lower-rate auto loan, a personal loan or a personal line of credit. A credit union often has the most flexible credit rules for members.
Check your credit report before you apply. You can get free credit reports at AnnualCreditReport.com. Fixing errors on your credit report can raise your credit score and lower the rate you are offered.
What Are Car Equity Loan Rates, APR and Fees?
The APR shows the yearly cost of a loan, including interest and most fees. Do not confuse it with APY, which is used for savings accounts.
Car title loans usually have higher APRs than bank auto loans, credit union loans or home equity loans. Rates depend on the lender, the state, the loan amount and your credit.
Car Equity Loan Fees and Prepayment
Common fees include origination or processing fees, lien recording fees, late fees and returned-payment fees. Ask whether there is a prepayment penalty. Many lenders let you pay early without one.
In California, state law caps the interest rate on consumer loans between $2,500 and $10,000. See California title loan rates and fees and interest rates of auto equity loans.
Car equity loan rate questions to ask
- What is the APR and the total finance charge?
- What is the total amount I will repay?
- Which fees are included?
- Is there a prepayment penalty?
- Is the rate fixed for the whole loan?
Car Equity Loans vs. Home Equity Loans and Mortgages: Which Costs Less?
Homeowners often compare car equity loans with home equity loans, home equity lines of credit (HELOCs) and cash-out mortgage refinancing.
Home equity loans and mortgages usually have lower rates than car title loans. They also take longer, require more paperwork and use your home as collateral. Closing costs, appraisals and title insurance add to the cost.
Home Equity Line of Credit (HELOC) vs. a Car Equity Loan
A home equity line of credit (HELOC) is a revolving line of credit secured by your home. You draw from the line of credit as you need it and pay interest only on what you use. A personal line of credit works the same way but is unsecured.
A line of credit can be cheaper than a car equity loan, but it needs good credit and, for a HELOC, home equity. If you do not own a home or your credit is limited, a car equity loan may be the faster option.
A car equity loan is usually smaller and faster. It suits a short-term need better than a long-term project. For large expenses, mortgages and home equity products are often cheaper if you qualify.
| Option | Collateral | Typical speed | Main trade-off |
|---|---|---|---|
| Car equity loan (title loan) | Vehicle title | Same day to a few days | Higher APR; car at risk |
| Home equity loan | Home | Weeks | Closing costs; home at risk |
| HELOC | Home | Weeks | Variable rate; home at risk |
| Cash-out mortgage refinance | Home | Weeks | Resets your mortgage; closing costs |
Should You Use a Mortgage or Home Loan Instead of a Car Equity Loan?
If you own a home, a mortgage refinance or one of the home loans that lets you borrow against home equity can finance a large expense at a lower rate than a car equity loan. A cash-out mortgage refinance replaces your current mortgage with a bigger one, and you receive the difference in cash. A second mortgage, such as a home equity loan, leaves your first mortgage in place.
Mortgage options take longer. Lenders review your credit, income and the home’s value, and the mortgage closing can take several weeks. You will also pay closing costs, and the money you borrowed is secured by your home, so missed mortgage payments put the home at risk.
A car equity loan is better suited to a smaller, short-term need. If you need to finance a large project and can wait, compare home loans first. If you rent, have little home equity, or your mortgage lender will not approve new financing, a car equity loan may be the faster way to borrow.
- Mortgage refinance: lowest rates for many homeowners, but weeks to close.
- Home equity loan or second mortgage: a lump sum borrowed against your home.
- HELOC: a line of credit you can draw on to finance projects over time.
- Car equity loan: faster and smaller; your vehicle secures the money borrowed.
Car Equity Loans vs. Other Auto Loans and Credit Options
| Option | How it works | Watch out for |
|---|---|---|
| Car loan or auto loan | Pays for the purchase of a vehicle | Only for buying a car |
| Cash-out auto refinance | New, larger car loan pays off the old one | Usually needs good credit |
| Buy here pay here and subprime auto loans | Dealer or subprime lender finances a car | High rates; for purchases only |
| Personal loan | Unsecured loan from a bank, credit union or online lender | Credit check; may take days |
| Payday loan or cash advance | Small loan tied to your paycheck | Very high cost; short term |
| Credit card | Revolving credit line | High APR on cash advances |
| Credit union small-dollar loan | Low-cost loan for members | Membership required |
Compare more options on our title loan alternatives page and in personal loans vs. title loans.
Negative Equity: When You Are Upside Down on Your Car
You have negative equity when you owe more on your car than it is worth. This is also called being upside down on your car loan.
With negative equity, there is no equity to borrow against. Most car equity lenders will not approve a loan until the balance is lower than the car’s value.
How to Fix Negative Equity on an Auto Loan
Paying down the loan, waiting for the balance to fall or refinancing at a lower rate can help you get back to positive equity. Extra payments on your auto loan go straight to the balance.
Read more about negative equity auto loans, rolling negative equity into a vehicle loan and trading in a vehicle with negative equity.
Vehicles You Can Use for a Vehicle Equity Loan
Cars, Trucks and SUVs
Most cars, trucks, SUVs and vans can secure a car equity loan, and older cars can qualify if they still have equity. Newer vehicles with lower mileage usually qualify for larger loans. Used cars qualify too, as long as they have equity.
Motorcycles, RVs, Boats and Other Vehicles
Lenders also make equity loans on other vehicles: motorcycle title loans, RV title loans, boat title loans and semi truck title loans.
Work Vehicles for Business Owners
Self-employed and small business owners can use a work truck or van. See auto equity loans for small business owners and auto equity loans for self-employed individuals.
Car Insurance and Car Equity Loans
Most lenders require active car insurance for the whole loan. Some require comprehensive and collision coverage.
Insurance protects both you and the lender if the car is damaged or stolen. If your coverage lapses, the lender may add its own coverage and charge you for it.
Ask whether optional products, such as GAP coverage or other asset protection, are included in your contract. You can usually decline them. Learn more about auto equity loans and vehicle insurance.
Car Equity Loans in Los Angeles and California
TFC Title Loans has been based in Los Angeles, California since 1994. We help Californians compare car equity loans across Los Angeles County and the rest of the state.
In California, finance lenders are licensed by the Department of Financial Protection and Innovation (DFPI). The DMV records the lien on your title. State law caps the interest rate on consumer loans between $2,500 and $10,000. Read our privacy policy to see how we protect the information you share when you apply.
Borrowers in Long Beach, Hollywood, Baldwin Park, Riverside, San Diego and Sacramento can apply online. See our Los Angeles title loans page and the California title loans hub.
Car Equity Loan Requirements in Los Angeles, California
- A California title in your name with equity in the vehicle
- A valid driver’s license or state ID
- Proof of income and proof of address
- Current registration and car insurance
- See all California title loan requirements
Car Equity Loan Terms Explained
Lenders and borrowers use many names for the same products. Car equity loans are also called:
- auto equity loans
- vehicle equity loans
- car loans against equity
- car title loans
- auto loans against equity
Here is what the common terms mean.
Car equity loan, auto equity loan and vehicle equity loan
A loan that uses the equity in your vehicle as collateral. Vehicle equity loans can cover cars, trucks, motorcycles and RVs.
Car loan with equity, car loan against equity and loan against car equity
Usually a cash-out auto refinance. Car loans against equity and car loans with equity pay off your current car loan and give you cash.
Loans against equity and loans equity
General terms for borrowing against something you own, such as a car or a home.
Equity financing and car loans equity financing
In business, equity financing means selling ownership shares. In car lending, people use these phrases to mean borrowing against a car’s equity.
Chattel equity loans
A chattel is movable property, such as a car. A chattel loan is secured by that property instead of real estate.
LTV or loan to value
The loan amount divided by the vehicle’s value.
Financed and refinanced
A financed car still has a loan on it. A refinanced loan has been paid off by a new loan.
Best, top, low interest and bad credit auto loans
Marketing phrases. The best car equity loan or best auto equity loan for you is the one with the lowest total cost that you can repay on time.
How to compare car equity loans with other options
Before choosing car equity loans, compare the product against unsecured personal loans, credit union small-dollar loans, payment extensions, hardship programs, employer advances, and selling an unused vehicle or asset. A title-secured product may be faster to request, but speed should not be the only decision factor. The most important comparison is the total repayment amount, including interest, finance charges, fees, and any cost that applies if a payment is late or returned.
Borrowers should also compare what happens if the plan does not go perfectly. Ask whether the lender offers payment reminders, grace periods, early payoff options, refinancing, extensions, or hardship communication channels. A lower payment can still be expensive if the loan runs longer than expected, and a larger loan amount can create more pressure if income changes during the repayment period.
| Comparison point | Question to ask | Why it matters |
|---|---|---|
| Total cost | What will I repay in dollars, not just APR? | Shows the practical cost of the loan. |
| Payment schedule | Are payments weekly, biweekly, monthly, or due in one lump sum? | Helps match the loan to income timing. |
| Collateral risk | What can happen to the vehicle or asset after default? | Clarifies the most serious downside. |
| Early payoff | Can I pay early, and are there fees or savings? | Shows whether fast repayment can reduce cost. |
| Alternatives | Have I checked lower-risk borrowing or payment-plan options? | Prevents using a secured product when a safer option exists. |
Decision checklist before submitting a request
- Confirm the title, registration, or ownership documents are accurate and in your name where required.
- Estimate a payment amount that leaves room for rent, utilities, insurance, fuel, food, and other essentials.
- Read the APR, finance charge, fees, due dates, late-payment rules, and default language before signing.
- Keep a copy of all disclosures, the repayment schedule, and lender contact information.
- Use the smallest amount that solves the immediate need instead of borrowing the maximum offered.
Car Equity Loans: requirements, costs, and borrower checklist
This section expands the borrower guidance for car equity loans so applicants can compare eligibility, documentation, repayment risk, and alternatives before submitting a request. TFC Title Loans may connect applicants with partner lenders or service providers. Approval, loan amount, rates, fees, funding time, and repayment terms vary by lender, applicant, vehicle, title status, and state requirements.
Editorial and compliance note: This product guide was reviewed on June 23, 2026. It is educational information, not a loan offer or guarantee of approval. Always review the lender disclosures, APR, finance charge, payment schedule, default terms, and total repayment amount before signing.
What lenders may review
| Review area | Why it matters | What to prepare |
|---|---|---|
| Vehicle value, title status, payoff details, and available equity | Helps estimate collateral value and available equity. | Year, make, model, mileage, condition, photos, registration, title, or payoff details if requested. |
| Identity and contact details | Used for applicant verification and communication. | Government ID, current address, phone number, and email. |
| Title or ownership status | Shows whether the asset can be used as collateral. | Title in your name, lienholder details, or payoff information if another lien exists. |
| Income or ability to repay | Lenders may review whether repayment appears manageable. | Pay stubs, bank statements, benefit statements, business income records, or another accepted proof source. |
When this product may or may not fit
A car equity loan may fit borrowers who have usable vehicle equity and want to compare a secured funding option before submitting a request.
This may not fit borrowers with little vehicle equity, uncertain income, or a repayment schedule that could put essential transportation at risk. Because this type of borrowing is secured by an asset, missed payments can create serious consequences, including default and possible loss of the collateral depending on the agreement and applicable law.
Costs and repayment questions to compare
- What is the APR and total finance charge?
- What is the total repayment amount if every payment is made as scheduled?
- Are there processing, lien, title, late, returned-payment, or payoff fees?
- How long is the repayment term, and when are payments due?
- What happens if a payment is late or missed?
- Can the loan be paid off early, and does early payoff change the total cost?
Safer comparisons before applying
Car equity borrowing can create vehicle risk if the agreement is not repaid as scheduled. Compare lower-risk options first when available, including credit union loans, payment plans, employer advances, hardship programs, family support, or selling unused items. If you continue with a title-secured product, borrow only what you can reasonably repay and keep copies of every disclosure.
Car Equity Loans: State and Local Availability
Title-secured lending rules vary by state. Use the state guides and local pages below to compare requirements, availability, and borrower considerations in your area.
- California title loans
- Alabama title loans
- Arizona title loans
- Florida title loans
- Georgia title loans
- Illinois title loans
- Indiana title loans
- Kentucky title loans
- Michigan title loans
- Mississippi title loans
- Ohio title loans
- Tennessee title loans
- Texas title loans
- Virginia title loans
Related title loan resources
- Car title loans
- Online title loans
- Pink slip loans
- Title loan refinancing
- Car equity loans
- Title loan calculator
- Title loan locations
- Apply for a title loan
Car Equity Loan Frequently Asked Questions
Can I start the request online?
Yes. You can start with an online request, but additional documentation, lender review, vehicle or asset verification, and approval steps may still be required.
Does approval depend only on credit?
No. Credit may be reviewed, but lenders may also consider collateral value, equity, title status, income, state rules, and the ability to repay.
What should I read before signing?
Read the APR, finance charge, fees, payment schedule, total repayment amount, default terms, repossession or collateral provisions, and payoff rules before accepting any offer.
More Car Equity Loan Questions
Can I get a car equity loan in Los Angeles, California?
Yes. TFC Title Loans helps borrowers in Los Angeles and across California compare car equity loans from licensed lenders. You can apply online or by phone.
Can I get a car equity loan if my car is not paid off?
Sometimes. You need positive equity, meaning the car is worth more than you owe. Some lenders can pay off the current loan as part of the new one.
Is a car equity loan the same as a car title loan?
Often, yes. Many people use car equity loan to mean a car title loan. Banks and credit unions also use the term for cash-out auto refinancing.
Does a car equity loan affect my credit?
It can. A hard credit inquiry may lower your score for a short time. On-time payments can help your credit if the lender reports to the credit bureaus.
Can I pay off a car equity loan early?
Many lenders allow early payoff without a penalty. Paying early can reduce your total interest. Check your contract first.
What can I use a car equity loan for?
Borrowers use car equity loans for emergencies such as medical bills, car repairs, rent or debt payments. It is best for short-term needs you can repay quickly.
Can I get a car equity loan with no job?
You need a way to repay. Lenders may accept wages, self-employment income, benefits or other regular income.
Can I get a car equity loan with no credit history?
Often, yes. Car title lenders can approve borrowers with no credit history because the vehicle secures the loan. You still need proof of income and a title in your name.
Will a car equity loan help my credit score?
It can, if the lender reports on-time payments to the credit bureaus. Ask before you sign. Late payments can hurt your credit.
Car Equity Loans by State
Each state sets its own rules for car equity loans and car title loans, including licensing, rate limits and repossession rules.
Car equity loans by state: which guide do you need?
Car equity loans in Western states
Car equity loans in Southwestern states
Car equity loans in Midwestern states
Car equity loans in Southern states
Car equity loans in Northeastern states
Car Equity Loans Near You in California
Find a local office for car equity loans and car title loans in California:
Car equity loans in Southern California
Car equity loans in Northern and Central California
Auto Equity Loan Guides
Car Equity Loan and Title Loan Help Guides
Short answers to common car equity loan and auto title loan questions:
- The Risks of Pink Slip Loans
- Pros and Cons of No-Inspection Car Title Loans
- Préstamos con Título de Carro: Una Guía Completa
- Refinancing Pink Slip Loans: Payoff Questions and Cost Review
- Refinancing Car Title Loans in Los Angeles
- Salvage Title Loans in Portland, Oregon
- Pink Slip Loans vs. Payday Loans
- Pink Slip Loans from Banks and Credit Unions
- Pink Slip Loans vs. Pawn Shop Loans
- Prepayment Penalties on Pink Slip Loans
- Pink Slip Loans for Military Members
- Pink Slip Loans and Vehicle Insurance
- Pink Slip Loan Documentation Requirements: What You Need to Know
- Motorcycle Title Loans in Victorville
- Peer-to-Peer Lending vs Pink Slip Loans: Which One is Right for You?
- Pink Slip Loan Repossession Process
- Pink Slip Loan Repayment Options
- Pink Slip Loans Alternatives
- Motorcycle Title Loans in Irvine, CA
- Comparing 24 hour Title Loans and Traditional Bank Loans
- 24 Hour Auto Title Loans for Bad Credit
- Late Payment Fees on Pink Slip Loans
- Can You Settle a Title Loan?
- Car Title Loan Scams in Los Angeles
- Can I Get a Title Loan If I Am on Disability?
- Bankruptcy and Pink Slip Loans
- Can You Get A Title Loan With An Out-of-State Title?
- Bad Credit Title Loans in Irvine, CA
- Bad Credit Title Loans in Cleveland
- Bad Credit Title Loans in Victorville: Unlock Cash
- Auto Cash Title Loans
- Car Title Loans for Bad Credit in Austin, Texas
- ¿Cómo Funcionan los Préstamos con el Título de Carro en Los Ángeles?
- Documentation Required for No-Inspection Title Loans
- Do Car Title Loans Affect Your Credit Score in Los Angeles?
- Car Title Loans With No Income Verification Near Me
- Car Title Loans Open on Sunday
- Everything You Need to Know About Banks That Offer Title Loans
- Commercial Vehicle Title Loans in Portland Oregon
- How Many Registration Loans Can You Have in Arizona?
- Bad Credit Auto Title Loans in Portland, Oregon
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- Credit Cards vs Pink Slip Loans: Which is the Better Option for You?
- How to Get Your Car Back After a Pink Slip Loan Repossession
- Defaulting on a Pink Slip Loan: What Happens and How to Avoid It
- How Many Times Can You Renew a Pink Slip Loan?
- Get the Best Deal on Pink Slip Loans From Car Dealerships
- How to Calculate the Total Cost of a Pink Slip Loan
- If Your Car is Totaled and You Still Owe on the Title Loan: What to Do
- Income Requirements for Pink Slip Loans
- How to Consolidate Debt with a Title Loan
- Downsides of Title Loans
- How to Pawn Your Car Without Title
- Differences Between Title Loans vs Auto Equity Loans
- Cash Loans on Car Titles
- How to Set Up a Title Loan Payment Plan
- How Long Does It Take to Get Your Title Back from a Title Loan?
- How Long Do Title Loans Last?
- How to Negotiate with a Title Loan Lender
- How to Choose a Reliable Auto Equity Loan Lender
- How to Avoid Pink Slip Loan Scams
More Car Equity Loan, Refinancing and Credit Articles
In-depth articles on refinancing, negative equity, credit and car title loan rates:
- Title Loans That Pay Off Other Title Loans: Get More Money at a Lower Rate
- Mobile Home Title Loans Bad Credit: What You Need to Know
- Installment Car Title Loans: Get Fast Cash with Low Interest Rates
- 9 Title Loan Alternatives for Bad Credit
- Tractor Trailer Title Loans: Fast and Secure Financing for Your Commercial Vehicle
- Big Rig Title Loans: Get the Most Money with the Lowest Interest Rate
- Can You Roll Negative Equity Into a Lease?
- Best Way to Trade in a Vehicle with Negative Equity
- Car Title Loans No Credit Checks
- Do Title Loans Go Against Your Credit?
- How to Get A Car Title Loan With A Lien Holder?
- What to Do If Car Is Repossessed With a Title Loan?
- Refinance Car Title Loans in North Carolina
- Title Loans With Balloon Payments
- What is Vehicle Equity?
- How Do I Get A Title Loan In Ohio With Bad Credit
- What is the Interest Rate On Title Loans in Idaho
- Types of Consumer Credit & Loans In Florida
- Can I Get A Car Title Loan in Florida With No Credit Check?
- Will An Auto Title Loan Affect My Credit in Ohio?
- Bad Credit Loan Options in Georgia
- Where Can I Get The Best Interest Rate On A Title Loan?
- How to Calculate APR on a Car Title Loan
- Online Title Loan Interest Rate Caps
- Online Title Loan Repayment Options
- Online Title Loans with No Prepayment Penalties
- Flexible Payment Options for Online Title Loans
- Credit Builder Loans
- Low-Interest Online Car Title Loans
- What Is Car Equity?
- What Are The Interest Rates On Title Loans
- Does Title Pawn Go On Your Credit?
- Bad Credit Car Title Loans in Washington
- Pink Slip Loans for Bad Credit Borrowers
- Different Repayment Options for Title Loans
- Managing Loan Payments in Vehicle Title Loans
- Credit Repair Strategies After an Auto Title Loan
- Improving Credit Score Post Auto Title Loan
- Exploring Repossession Policies for Car Title Loans
- Determining the True Financial Impact of Vehicle Title Loans
- Preventing Auto Title Loan Repossession
- The Negative Impact of Defaulting on a Car Title Loan
- Auto Title Loan Repercussions on Creditworthiness
- Long-Term Effects of Auto Title Loans on Financial Stability
- Different Repayment Options for Auto Title Loans
- Rebuilding Credit After an Auto Title Loan
- Auto Title Loan Repossession
- Interest Rates on Auto Title Loans
- Auto Title Loans and Financial Emergency Preparedness
- The Impact of Auto Title Loans on Credit Scores
- Auto Equity Loans Near Me
- Can I Get Registration Loans with Bad Credit?
- Late Title Loan Payments What are the Effects
- Bad Credit Title Loans in Tulsa
- Getting a Title Loan While Still Making Payments
- Title Loan Rates in Utah
- Refinance Car Title Loans in Wisconsin
- Bad Credit Car Title Loans Wisconsin
- Amortized Title Loans Or Interest Only Title Loans?
- Get A Loan With No Credit
- Trade In A Car With Negative Equity
- Consumer Credit
- Cash Out Refinance Title Loan
- No Credit Check Registration Loans in Phoenix
- Title Loan Refinance in Cleveland?
- Does A Title Loan Affect My Credit?
- Bad Credit Title Loans Columbus Oh
- Bad Credit Title Loans in Alabama
- What Is A Lien On A Title Loan?
- RV Equity Loans
- Auto Equity Loan Refinance
- Vehicle Equity Loan Buyout
- Extra Credit: Your Complete Guide to Credit Card Acronyms
How Do You Check a Car Equity Lender’s License in Your State?
Car equity lenders and car title lenders must be licensed in the states where they lend. Before you sign, look the lender up with your state’s financial regulator or on NMLS Consumer Access. A licensed lender has to follow state rules on rates, fees and repossession.
Use the list below to find the regulator in your state. Many of these agencies also take complaints about lenders, brokers and auto loans.
- Alabama: State Banking Department
- Alaska: Division of Banking and Securities
- Arizona: Department of Insurance and Financial Institutions
- Arkansas: Securities Department
- California: Department of Financial Protection and Innovation
- Colorado: Attorney General, Uniform Consumer Credit Code
- Connecticut: Department of Banking
- Delaware: Office of the State Bank Commissioner
- Florida: Office of Financial Regulation
- Georgia: Department of Banking and Finance
- Idaho: Department of Finance
- Illinois: Department of Financial and Professional Regulation
- Indiana: Department of Financial Institutions
- Iowa: Division of Banking
- Kansas: Office of the State Bank Commissioner
- Kentucky: Department of Financial Institutions
- Louisiana: Office of Financial Institutions
- Maine: Bureau of Consumer Credit Protection
- Maryland: Office of Financial Regulation
- Massachusetts: Division of Banks
- Michigan: Department of Insurance and Financial Services
- Minnesota: Department of Commerce
- Mississippi: Department of Banking and Consumer Finance
- Missouri: Division of Finance
- Montana: Division of Banking and Financial Institutions
- Nebraska: Department of Banking and Finance
- Nevada: Financial Institutions Division
- New Hampshire: Banking Department
- New Jersey: Department of Banking and Insurance
- New Mexico: Financial Institutions Division
- New York: Department of Financial Services
- North Carolina: Commissioner of Banks
- North Dakota: Department of Financial Institutions
- Ohio: Division of Financial Institutions
- Oklahoma: Department of Consumer Credit
- Oregon: Division of Financial Regulation
- Pennsylvania: Department of Banking and Securities
- Rhode Island: Department of Business Regulation
- South Carolina: Department of Consumer Affairs
- South Dakota: Division of Banking
- Tennessee: Department of Financial Institutions
- Texas: Office of Consumer Credit Commissioner
- Utah: Department of Financial Institutions
- Vermont: Department of Financial Regulation
- Virginia: Bureau of Financial Institutions
- Washington: Department of Financial Institutions
- West Virginia: Division of Financial Institutions
- Wisconsin: Department of Financial Institutions
- Wyoming: Division of Banking
- NMLS Consumer Access
- Conference of State Bank Supervisors
- National Credit Union Administration
Car Equity Loan Sources and Consumer Resources
These independent resources explain vehicle values, borrowing costs and your rights:
- Kelley Blue Book: car values
- Edmunds: car values and reviews
- J.D. Power: vehicle values
- CFPB: payday loans and short-term lending
- CFPB: auto loans
- CFPB: submit a complaint
- California DFPI: lender licensing
- California DMV: titles and liens
- NCUA: find a credit union
- NFCC: nonprofit credit counseling
- FDIC Money Smart
- AnnualCreditReport.com: free credit reports
- USA.gov: credit reports
- Wikipedia: title loan
- Wikipedia: secured loan
- Wikipedia: loan-to-value ratio
- Wikipedia: equity
- Wikipedia: home equity loan
- Wikipedia: negative equity
- Wikipedia: refinancing
- Wikipedia: annual percentage rate
- Better Business Bureau: check a lender
- Investopedia: title loans
- Bankrate: auto loan guides
- CFPB: buying a home and mortgages
- HUD: home loans and housing counseling
- Freddie Mac: mortgage and home loan basics
- myFICO: credit scores explained
- Experian: credit reports
- Equifax: credit reports
Car equity loans: get your free quote
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