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 Mateo
Yes, it is legal to get a car title loan in San Mateo, California. All title loan companies must be licensed by the California DFPI and comply with the California Finance Lenders Law. Montana Capital is licensed to operate in California.
A past bankruptcy does not automatically prevent you from getting a title loan in San Mateo. 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.