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Sacramento CA

Best Car Title Loans in Sacramento

TFC Title Loans has been providing the best car title loans in Sacramento since 1994; making it the oldest title loan lender in the state. We have streamlined the application process for car title loans in Sacramento so you can get the funding you need as fast as the very next business day. We use the current street value of your car and your ability to repay the loan instead of solely using your credit history, as traditional bank loans do, to qualify you for a loan. If you need some fast funds for an emergency financial situation then you ought to seriously consider title loans Sacramento, CA.

We will also offer you more money than the other title lenders. We will also beat their interest rates because we have the lowest rates. That’s what makes us the best and why we can give you the best car title loan in Sacramento. Our title loan program also offers a no pre-payment penalties, so it allows you the flexibility to pay off when you can. Our loan terms are usually from 24 to 36 months. Some title loan contracts are longer but that is the average loan term that we offer.

So it is nice to know that you do not have to stay with us for the full term, just pay us off when you have the money. We try to make it as simple as possible for you to pay us off. If you want to you can always make partial payments to lower your principle balance.

We will use Experian to run your credit when we are getting you approved. Building your credit with us and Experian will help you in the long run. Establishing your account with us will always allow you to come back to us and do another car title loan if you need our services again. We pride ourselves on our repeat clients; we have many clients that have used our title loan program multiple times. We will offer you the best service and we will always work with our clients or future clients, whatever the situation is. It is important that there is good communication because if for some reason you can not make the payment or you are going to be late , make sure you call our account services and they will take care of you.

Car Title Loans in Sacramento

Are you looking for a way to borrow money, but are concerned about credit? With poor credit, it can feel like you’re out of options. TFC Title Loans may be able to help. You may be able to qualify for up to $50,000 in financial relief in as little as one business day with Car Title Loans in Sacramento.

Car Title Loans use the free-and-clear title to a qualifying vehicle to secure funding. Our customers face no driving restrictions while making regular payments, because the vehicle’s title, not the vehicle itself, is used as collateral. Plus applying is completely free!



TFC Title Loans makes getting a car title loan in Sacramento a fast and hassle-free process. The amount that you might qualify to borrow is usually dependent on the current value of your vehicle and ability you have to the repay the loan along with a few other qualifying factors. Sacramento customers can be eligible to receive funding ranging from $2,500 up to $50,000. We, here at TFC, have no hidden fees and no prepayment penalties, meaning you can pay back the loan at any time you wish.

What TFC Title Loans Can Do

TFC Title Loans uses the title of your vehicle as collateral for your title loan. TFC Title Loans has high approval rates because, as long as you have a clear title and income proof, you can qualify for a title loan. The loan is then based off of the equity value of your vehicle, as well as the ability you have to repay your loan.

In order to value your loan amount, TFC uses the wholesale retail value of your vehicle and offers you 85% of the wholesale value through Kelly Blue Book. Based on your income, TFC can offer you more or less, ranging from funds between $2,500 and $50,000. With those type of funds, you’ll be able to pay whatever financial obligation you are facing with Car Title Loans in Sacramento.

We will check with the DMV to see if there are any outstanding tickets or violations. If there are we will be able to take care of all the DMV paper work from our office. The only thing that we will not be able to handle is if your car needs to be smog. you will need to take care of the smog so that we will be able to complete the DMV transaction.


Benefits of TFC Title Loans

TFC Title Loans Sacramento offers loans with quick approval that can help you avoid those high overdraft fees or other charges that can occur when you run into a financial dilemma. All you need is a car title along with some identification in order to qualify for a title loan. The best part is that you keep your car while you pay off your loan.

TFC Title Loans also offers their customers loan terms that other lenders don’t. We give you 24 to 36 months to pay off your loan, while some lenders make you pay it back in 30 days. TFC Title Loans understands that money can be stressful, and we want to make it easy.

You can get information on our simple loans by completing the online form found on our website or by using our Live Chat function to speak to one of our knowledgeable, friendly Loan Officers. Our online application can take less than 5 minutes! There are no obligations to see if you qualify, so if you don’t like you loan terms, you don’t have to continue. You can also call us at 844-242-3543 or stop in our office in Sacramento.

About This Location

TFC Title Loans on 2636 Fulton Ave is great for those living in or near Sacramento. On Fulton Ave, this location is between the small strip mall with Auto Parts store and the Sacramento County Human Assistance Department. The driveway is right before the department, so keep a close eye as you’re driving down Fulton.

TFC Title Loans – Sacramento

Location: 2636 Fulton Avenue, Suite 150A, Sacramento, CA 95821

Call Toll Free: 844-242-3543

Hours: Monday Through Friday 8:00 AM to 7:00 PM, Saturday 9:00 AM to 2:00 PM


How to Apply with TFC Title Loans

We make applying for a loan easier than the rest! With our streamlined application process, you can get your funds in as little one business day. After you have filled out the online application, your TFC representative will contact you to collect important information regarding the title of your vehicle and your income information. Once they’ve received the needed documents, your contract will be created. The final step will be to come to your Sacramento TFC and sign your terms. You’ll be able to walk out with your funds!

Basic Items Needed for A Title Loan

Your TFC representative may ask for these documents. It can help you speed up your loan process if you have these ready before coming into our Sacramento location or submit your application.

  • Your valid driver’s license or state ID
  • The original title to your vehicle
  • Proof of income
  • Residency proof
  • Valid auto insurance
  • Pictures of the vehicle

Other items may be required but your loan representative will cover those with you.

How to Pay Back Your Loan

TFC Title Loans has a variety of different methods in order to pay back your title loan.

  • Online

Once you’ve applied for your auto title loan and have received all your documentation, you’ll be able to create an account or even make a “quick guest” payment via our website.

  • Telephone

If you prefer the phone, you can pay your monthly payment, you can call 888-505-3784 to make a payment by check through the phone.

  • By Mail

We understand if you prefer the old-fashioned way. Sometimes it seems safest. You can pay by personal check, money order, or cashier’s check. Make sure to put your account number or social security number on the check or money order. Then, make payments to: Trading Financial Credit, LLC. Then, you’ll send it to our Headquarters’ location.

We make payments easy by pairing with Western Union. Head over to your local branch by using the state code “California” and the city code “Thirteen”. You could also visit their website and search for TFC. Follow the prompts to make a payment online by credit/debit card, or you can make a payment by phone by calling Western Union at 800-634-3422.

Find your local MoneyGram and make payments with the MG code “5041”. You can also visit their website and search for TFC. Follow their prompts and make an online payment

Client Testimonials

“I was struggling with financial issues after I got laid off from my job. I found out about this company and they helped me out with all my payment. In other words, this is the best loaning company ever created.”

Rosemary M. Sacramento, CA

Borrowing Money From TFC

With TFC, your money is yours to spend. We understand how hard it can be to talk about money problems, let alone with a financial company. Our customers have used their title loans to pay for different bills that have come up completely unexpected in their lives. There are no restrictions or rules to what you can use your title loans for.

Medical Emergencies

Sick family members or sudden broken bones can add up, even when we have insurance. Even regular check-ups when you’re sick can add up in our pockets. TFC Title Loans can help you pay your medical bills with Car Title Loans in Sacramento. After completing your application, you could receive your funds in as little as one business day so you don’t need to worry about any late fees.

Home Repairs

Houses can be a lot of work, and they require quite a bit of money from the mortgage to any problems that arise. Things from fridges to water heaters can cost thousands of dollars. TFC understands that unplanned problems like these happen, and you just need some help paying for it. When you have less than perfect credit score and can’t get a credit card to pay, TFC Title Loans can approve you for a title loan.

Car Improvements

We all need cars, and as they are equipped with more and more technology, they become more and more expensive to repair. Sometimes, the smallest and easiest repairs are the most expensive, and the ones that need to get repaired immediately. TFC Title Loans knows that a lot can happen to our cars and, if you rely heavily on your car, you need the money right away. Previous financial mistakes shouldn’t keep you from getting the money you need.


Sometimes, when life has been rough, we can feel the need to escape from our responsibilities if just for a little bit. Unfortunately, a last-minute vacation isn’t cheap at all. Airfare costs quite a bit of a vacation budget. TFC Title Loans doesn’t need to know why you’re using your money, but just that you’re using it responsibly. Some customers have used TFC Title Loans to help pay for some expenses that come up with vacations last minute that we might not have planned for. A relative may have fallen ill, and you may need to go visit. Whatever the circumstances for your vacation, TFC Title Loans is there to help you pay for it.

TFC Title Loans is fully license and bonded by the DBO.