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 Pomona
A past bankruptcy does not automatically prevent you from qualifying. Title loans are secured by your vehicle rather than your credit history, so the key factors are your car’s current value and your income. If your bankruptcy is discharged and you have a qualifying vehicle, you may still be eligible.
Title loan rates in Pomona are typically higher than personal loans or credit cards for borrowers with good credit. California caps title loan rates at approximately 39.6% APR for loans between $2,500 and $10,000. If a lower-cost option is available to you, it is worth comparing first.
Loan Type | Typical APR Range | Credit Required
Bank personal loan | 6% to 20% | Good to excellent
Credit card | 20% to 30% | Fair to good
Car title loan (CA) | ~36% to 39.6% (capped) | Not required
