Car Title Loans in Bakersfield, California
$2,500 - $50,000

Need Cash in Bakersfield? Your Car Title Can Help You Get It.

Connect with local lenders through our secure matching service. Keep driving your car while you pay back your loan.

Fast Funding Options No Prepayment Penalties Keep Your Vehicle
Check Your Eligibility
Fast Response
Same-Day Decisions
Simple Setup
3-Step Process
Secure Data
256-bit Encryption
Secure SSL Encryption
California Financing Law Compliant
Trusted Matching Service
Quick Online Process

How It Works

Get the funds you need in a few simple steps

1

Submit Online Form

Fill out our quick and secure online form with your vehicle details and contact information.

2

Get a Quick Quote

A representative from a lender in our network will contact you to discuss your vehicle's value and loan options.

3

Vehicle Verification

Provide photos of your car and the required documents to verify the condition and ownership of your vehicle.

4

Receive Your Funds

Once approved and the agreement is signed, funds are typically deposited into your account as soon as the next business day.

Apply Now

Fill out the form below to get matched with a lender

Lenders in our network may perform credit checks through major bureaus or alternative providers to determine eligibility. Submitting a request on this website does not guarantee you will be matched with a lender or approved for a loan.

Loan Information

Loan Details

Loan Amounts
$2,500 to $50,000
Loan Terms
24 to 48 Months
APR Range
36% - 199% (Varies by lender)
Types Offered
Car Title Loans Truck Title Loans RV Title Loans Motorcycle Title Loans

Eligibility Requirements

  • Must be 18 years or older
  • Clear California vehicle title in your name
  • Verifiable monthly income of at least $1,500
  • Proof of residence in California

Required Documents

  • Original vehicle title (Pink Slip)
  • Valid Government-issued ID
  • Proof of income (pay stubs or bank statements)
  • Proof of insurance and registration

Why Choose Us

Local Expertise

We focus on the Bakersfield market, understanding the specific needs of Kern County residents and local vehicle values.

High Approval Potential

Because these loans are secured by your car title, lenders are often able to approve those with less-than-perfect credit.

Streamlined Online Process

Our secure digital platform allows you to start your application from the comfort of your home without visiting an office first.

No Prepayment Penalties

We match you with lenders who typically allow you to pay off your balance early without any extra fees or hidden charges.

Transparent Terms

We prioritize connecting you with lenders who provide clear, easy-to-understand loan agreements compliant with California law.

Keep Your Vehicle

The most important benefit is that you continue to drive your car for work, school, and errands while you repay the loan.

What Our Customers Say

Fast Emergency Help

I needed $3,000 for an unexpected medical bill. The process was way faster than a bank. I met a lender near Stockdale Hwy and had the money the next day.

Robert Martinez ·Bakersfield, CA

Kept My Car

I was worried about losing my ride to work, but I kept my keys the whole time. The interest is high, but it solved my short-term problem with my transmission repair.

Sarah Jenkins ·Oildale, CA

Professional Service

They connected me with a lender that actually listened. Everything was explained clearly. It’s a solid option if you have equity in your truck and need cash fast.

Michael Nguyen ·Rosedale, CA

Simple Application

The online form was easy to use on my phone. Got a call back within two hours. Not the cheapest way to borrow, but very convenient when you're in a pinch.

David Garcia ·East Bakersfield, CA

Helpful Team

I appreciate that they helped me find a lender that worked with my social security income. It was a smooth experience from start to finish.

Linda Thompson ·Bakersfield, CA

Payday Loan Stores in Bakersfield, California

Borrowers in Bakersfield can visit these local stores or apply online through our matching service to find the financial solution that meets their needs, whether it's for emergency expenses or covering costs until the next paycheck.

ACE Cash Express

Payday Loans

6465 Niles St, Bakersfield, CA 93306

(661) 366-2000

Mon-Fri 9am-7pm, Sat 10am-6pm

Advance America

Payday Loans

3811 Ming Ave., Bakersfield, CA 93309

(661) 827-8680

Mon-Fri 10am-6pm, Sat 9am-1pm

Check Into Cash

Payday Loans

4476 Ming Ave, Bakersfield, CA 93309

(661) 835-9299

Mon-Fri 9am-7pm, Sat 10am-4pm

California Check Cashing Stores

Check Cashing

3300 White Ln, Bakersfield, CA 93309

(661) 831-4534

Mon-Fri 9am-7pm, Sat 10am-2pm

5 Star Car Title Loans

Title Loans

9356 Shellabarger Rd, Bakersfield, CA 93312

(661) 412-1925

Mon-Fri 9am-7pm, Sat 10am-5pm

Money Mart

Cash Advance

4117 Ming Ave, Bakersfield, CA 93309

(661) 831-8660

Mon-Fri 9am-8pm, Sat 9am-6pm

ACE Cash Express

Payday Loans

2600 Buck Owens Blvd, Bakersfield, CA 93308

(661) 321-9951

Mon-Fri 9am-6pm, Sat 10am-5pm

Advance America

Title Loans

2600 Oswell St., Ste C, Bakersfield, CA 93306

(661) 872-0686

Mon-Fri 10am-6pm, Sat 9am-1pm

Allied Cash Advance

Cash Advance

4128 Chester Ave # F, Bakersfield, CA 93301

(661) 322-2253

Mon-Fri 10am-6pm, Sat 10am-2pm

Check Into Cash

Payday Loans

2350 White Lane, Ste B, Bakersfield, CA 93304

(661) 398-8098

Mon-Fri 10am-6pm, Sat 10am-2pm

Bakersfield Community Profile

Bakersfield serves as the economic hub for California's southern San Joaquin Valley, with a landscape dominated by the energy and agriculture industries. Despite its role as a major producer of oil and produce, the city contends with economic volatility tied to these sectors, resulting in an unemployment rate that often exceeds the state and national averages. With a poverty rate around 16% and a median income that trails behind coastal California, many Bakersfield residents face financial pressures from seasonal work and variable energy prices, leading to a demand for short-term lending and credit options to bridge budgetary gaps during leaner months.

Key Statistics

408,366
Population
$77,397
Median Household Income
16.3%
Poverty Rate
8.3%
Unemployment Rate

Means of Transportation to Work

Drove Alone 80.4%
Carpooled 9.8%
Public Transit 0.6%
Walked 1.1%
Work from Home 7.2%
Other 0.9%

Class of Worker

Private Wage & Salary 77.2%
Government 17.5%
Self-Employed 5.2%
Unpaid Family 0.1%

Household Income Distribution

Under $25K 16.2%
$25K - $50K 17.8%
$50K - $75K 16.4%
$75K - $100K 12.1%
Over $100K 37.5%

Source: U.S. Census Bureau, American Community Survey 2023; Bureau of Labor Statistics, December 2025

Frequently Asked Questions

How much can I borrow with a title loan in Bakersfield?
In California, most title loans start at $2,500. The maximum amount is typically determined by the wholesale value of your vehicle (usually 25% to 50% of its equity) and your ability to repay the loan.
Do I get to keep driving my car?
Yes! One of the primary benefits of a title loan is that you retain possession of your vehicle and continue driving it throughout the life of the loan as long as you make your payments on time.
Can I get a title loan with bad credit?
Yes, title loans are secured by your vehicle's equity, which means lenders are often more concerned with the car's value and your income than your credit score. Many borrowers with poor credit find success through our network.
What happens if I can't make a payment?
If you anticipate missing a payment, you should contact your lender immediately. California law provides certain protections, but defaulting on a title loan can eventually lead to the repossession of your vehicle.
How long does the process take in Kern County?
The initial online form takes only minutes. Many lenders in our network can provide a conditional approval the same day, with funding often available by the next business day after document verification.
Are there any upfront fees to apply?
No, we do not charge any fees for using our matching service. Any fees associated with the loan itself will be disclosed by the lender in your loan agreement.
Is my personal information secure?
Absolutely. We use industry-standard 256-bit encryption to ensure your data is protected and only shared with our network of trusted third-party lenders.
Can I pay my loan off early?
Most lenders in our network do not charge prepayment penalties, allowing you to save on interest by paying the loan off sooner than scheduled. Be sure to confirm this with your specific lender.

Ready to Get Started?

Need cash for an emergency? Most of our users receive a lender decision within the same business day.

Check Your Eligibility