Car title loans in Bakersfield, CA
Use your car title to get cash and keep driving. Apply online or by phone from anywhere in Bakersfield, Oildale and Kern County.Use your car title to get cash and keep driving. Apply online or by phone in Bakersfield.
- Keep driving your car
- Free estimate in about a minute
- Local office on 8500 Kern Canyon Rd. # 67-E
- Licensed lending partners
How it works
Three steps from estimate to cash in Bakersfield
Get your estimate
Tell us your car's year, make, model and miles. It takes about a minute online, or call 805-307-7074.
Talk to a specialist
A loan specialist calls you to go over your options and what you'll need.
Get your money
Send your photos and documents from your phone. Once the lender finishes its review, you get your money and keep driving.
Before you apply
What you'll need
- Driver's license
- Car title in your name
- Vehicle registration
- Proof of insurance
- Proof of address (last 30 days)
- Proof of income (last 30 days)
- Photos of your car, odometer and VIN
Requirements can vary by lender.
California title loan basics
Title loans in California are made by lenders licensed under the California Financing Law, and state law limits the interest that can be charged on many consumer loans. Always read your loan agreement for the APR, fees, payment schedule and what happens if you miss a payment.
Local snapshot
Bakersfield drivers by the numbers
For most Bakersfield workers, the car is how they get to work, so keeping it while you borrow matters. Source: U.S. Census Bureau, American Community Survey 5-year estimates, 2020–2024.
Step by step
From estimate to payoff in Bakersfield
Kern County is big, and we know you may be calling from a job site or a long commute. You can finish everything from your phone, or call 805-307-7074.
Start your estimate
Enter the year, make, model and miles above. Trucks and SUVs are welcome.
Talk with a specialist
We call you back to go over the numbers and the lender's checklist.
Photograph the vehicle
Take the photos early in the day if you can. Shots in hard midday sun can wash out the odometer and VIN.
Send your documents
License, title, registration, insurance, proof of income and proof of address.
Lender review and signing
The lender reviews your file and decides on terms. Read the whole agreement before signing, and keep driving your vehicle while you repay.
Documents explained
Documents for a Bakersfield application
Most Kern County applicants can gather these in a few minutes.
- California driver's license or ID. The name should match the title.
- California title (pink slip). In your name, without other owners unless they can sign too.
- Current registration. Check that your registration hasn't lapsed. Smog-related holds are common on older trucks.
- Proof of insurance. Your current card for this vehicle.
- Proof of income. Pay stubs from field, farm, warehouse or oil work, or bank deposits if your hours vary.
- Proof of address. A recent PG&E bill, lease or bank statement.
Seasonal or contract income can count; share what you have and your specialist will explain.
Title questions
Fixing title problems in Kern County
The Bakersfield DMV field office at 3120 F St handles most title issues for local drivers.
Apply for a California duplicate title with form REG 227 at the F St office or at dmv.ca.gov. You can start your estimate in the meantime.
If a bank or credit union still has a lien, it's listed as legal owner. Some lenders can work with a remaining balance; have your payoff statement handy.
Many Kern County trucks change hands privately. The title must be transferred into your name at the DMV before it can secure a loan.
Oil field and farm workers often arrive with out-of-state titles. California needs the vehicle registered and titled here first, with a vehicle verification.
Where we help
Serving Bakersfield, Oildale and all of Kern County
We help drivers from Oildale and East Bakersfield to Rosedale, Seven Oaks and the southwest, and students and staff around Cal State Bakersfield.
Highway 99, Highway 58 and Highway 178 are how most Bakersfield workers reach the oil fields, farms and warehouses. Distances are long, so a dependable vehicle is part of the job.
You can apply from anywhere in Kern County, from Shafter and Wasco to Arvin and Lamont. Nearby pages:
Before you sign
What Bakersfield borrowers should ask
A loan secured by your car is a serious commitment. Whoever you borrow from, ask:
- What will I repay in total, not just per payment?
- When is each payment due, and how do I pay?
- Is there a charge for paying early?
- What happens if a payment is late during a slow work season?
- Is the lender licensed under the California Financing Law? Look it up in the DFPI licensee search.
A good lender answers each of these before you sign, not after.
Local resources
Handy places for Bakersfield drivers
Request a duplicate at the Bakersfield DMV field office, 3120 F St, Bakersfield, CA 93301.
Every California title lender must hold a California Financing Law license. Look any lender up in the California DFPI licensee search before you sign.
Kelley Blue Book and J.D. Power (NADA) show typical values for your year, make, model and miles. Lenders also look at condition and any money still owed on the car.
What lenders look at
- Your car's year, mileage and condition
- How much equity you have (value minus any balance owed)
- Your ability to repay from your income
- A clear title in your name, or a lien the lender can pay off
The lender sets the final amount and terms after reviewing your application.
Serving Bakersfield and nearby
Get Auto Title Loans Bakersfeild CA
8500 Kern Canyon Rd. # 67-E, Bakersfield, CA 93306
805-307-7074Phone hours (Pacific time): Mon–Sat 7 AM–7 PM · Sun 8 AM–5 PM
Bakersfield is the county seat of Kern County, along SR-99 and SR-58. You don't need to visit an office: you can apply online or by phone from home, work or anywhere in the area.
Get directionsCan I keep driving my car?
Yes. You keep your car and drive it as usual while you repay the loan. The lender holds the title as security until the loan is paid.
Do I need perfect credit?
No. Lenders look mainly at your car's value and your ability to repay. Your credit may still be reviewed.
What if my car isn't fully paid off?
You may still qualify if you have enough equity in it. Your loan specialist can check this with you.
How fast can I get the money?
It depends on the lender and how quickly your documents are verified. Your specialist gives you a realistic timeline before you decide.
Can I apply by phone?
Yes. Call 805-307-7074 and a specialist will take your details.
I lost my title. Can I still apply in Bakersfield?
Yes, you can start your estimate now. You'll need a title in your name before the loan is finished. Request a duplicate at the Bakersfield DMV field office, 3120 F St, Bakersfield, CA 93301.
Do you help drivers outside Bakersfield?
Yes. You can apply online or by phone from anywhere in Bakersfield, Oildale and Kern County.
Can I pay my loan off early?
Many lenders allow early payoff. Your loan agreement lists any prepayment terms, so read it before you sign.
What happens if I miss a payment?
Call your lender right away. Missed payments can lead to fees and, in the worst case, repossession of the car. Your agreement explains the lender's process and your rights under California law.
Is my information safe?
The form is encrypted, and your details go only to licensed lenders who can review your request.
Where do I get a duplicate title in Bakersfield?
At the Bakersfield DMV field office, 3120 F St, Bakersfield, CA 93301, or online at dmv.ca.gov using form REG 227.
Can I use my work truck?
Often yes, if the title is in your name and the truck has value. Tell your specialist if it's still financed or has equipment added.
I live in Oildale or Shafter. Can I apply?
Yes. We help drivers anywhere in Kern County, online or by calling 805-307-7074.
Does high mileage rule my car out?
Not automatically. Highway miles are common here. The lender looks at the whole vehicle, so share the exact mileage and condition.
Can I use a vehicle with a lapsed registration?
Usually the registration needs to be current first. The Bakersfield DMV on F St can help you sort it out.
My income changes with the season. Can I still apply?
Yes. Share recent deposits or stubs. The lender looks at your ability to repay over the life of the loan.
Do I have to stop using my truck for work?
No. You keep driving it while you repay. The lender holds the title, not the vehicle.
California: loans made or arranged pursuant to a California Finance Lenders Law license #60DBO-53460. Not all applicants qualify. Loan amounts, rates and terms are set by the lender after reviewing your application and vary by state and vehicle. Read your loan agreement before you sign.