Car title loans in Modesto, CA
Use your car title to get cash and keep driving. Apply online or by phone from anywhere in Modesto, Ceres, Riverbank and Stanislaus County.Use your car title to get cash and keep driving. Apply online or by phone in Modesto.
2900 Standiford Ave. Suite 16-B #406, Modesto, CA 95350
Get directions
- Keep driving your car
- Free estimate in about a minute
- Local office on 2900 Standiford Ave. Suite 16-B #406
- Licensed lending partners
How it works
Three steps from estimate to cash in Modesto
Get your estimate
Tell us your car's year, make, model and miles. It takes about a minute online, or call 209-284-1381.
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
Modesto drivers by the numbers
For most Modesto 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
The Modesto title loan process
Here is each step, so you know what to expect. You can also call 209-284-1381.
Estimate
Year, make, model and miles go in the form above.
Specialist call
We go over the estimate and explain what the lender looks at.
Vehicle photos
Four sides, odometer and VIN. Wipe off valley dust first so the details are readable.
Documents
License, title, registration, insurance, proof of income and proof of address.
Offer and agreement
The lender reviews your file and decides on terms. Read everything before you sign. You keep driving your car.
Documents explained
Documents for a Modesto application
Here's what to have ready, and why.
- California driver's license or ID. The name should match the title.
- California title. In your name; transfer a relative's car into your name first.
- Current registration. Renew at the Burney St DMV or online if it's due.
- Proof of insurance. A current card for the vehicle.
- Proof of income. Pay stubs, including from Bay Area employers, or bank deposits.
- Proof of address. A recent MID or PG&E bill, lease or bank statement.
Long-distance commuters: email photos of documents during a break and finish the rest by phone.
Title questions
Solving title problems in Stanislaus County
The Modesto DMV field office at 124 Burney St serves most of Stanislaus County.
Apply for a duplicate with form REG 227 at Burney St or at dmv.ca.gov.
Until your auto loan is paid off, the lienholder is on the title. Some lenders can work with the remaining balance; have your payoff statement ready.
Transfer it into your name at the DMV first. With “AND” between two owners, both usually sign; with “OR”, either can.
Register and title it in California first. The DMV does a vehicle verification as part of the transfer.
Where we help
Serving Modesto, Ceres, Riverbank and Stanislaus County
We help drivers all over Modesto: downtown, the College area around Modesto Junior College, Village One, La Loma and the neighborhoods out toward Salida.
Highway 99, Highway 132 and Highway 108 connect Modesto to jobs in Turlock, Manteca, Tracy and the Bay Area. Many people here put serious miles on a car every week.
We also help drivers in Ceres, Riverbank, Oakdale and Turlock. Nearby pages:
Before you sign
Questions Modesto drivers should ask
A loan secured by your car is a serious commitment. Whoever you borrow from, ask:
- What is the total I will repay?
- How many payments, and when?
- Can I pay early without extra cost?
- Who do I contact if my schedule changes and a payment slips?
- Is the lender licensed under the California Financing Law? Look it up in the DFPI licensee search.
Comparing two offers is fine, and a good lender expects it.
Local resources
Handy places for Modesto drivers
Request a duplicate at the Modesto DMV field office, 124 Burney St, Modesto, CA 95354.
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 Modesto and nearby
Get Auto Car Title Loans Modesto Ca
2900 Standiford Ave. Suite 16-B #406, Modesto, CA 95350
209-284-1381Phone hours (Pacific time): Mon–Sat 7 AM–7 PM · Sun 8 AM–5 PM
Modesto is the county seat of Stanislaus County, along SR-99 and SR-132. 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 209-284-1381 and a specialist will take your details.
I lost my title. Can I still apply in Modesto?
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 Modesto DMV field office, 124 Burney St, Modesto, CA 95354.
Do you help drivers outside Modesto?
Yes. You can apply online or by phone from anywhere in Modesto, Ceres, Riverbank and Stanislaus 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 Modesto?
At the Modesto DMV field office, 124 Burney St, Modesto, CA 95354, or online at dmv.ca.gov with form REG 227.
I commute to the Bay Area. Can I still apply?
Yes. Everything is done online and by phone, so you can apply on your schedule or call 209-284-1381.
Can I apply from Ceres or Riverbank?
Yes. We help drivers throughout Stanislaus County.
Will the lender check my income?
Yes. Lenders look at your car's value and your ability to repay, so have proof of income ready.
I commute long hours. Can I finish the application after work?
Yes. You can upload photos and documents any time and schedule your specialist call around your shift. Call 209-284-1381.
Can I use a car registered in my spouse's name?
Only if the title lists you as an owner. Otherwise the title needs to be transferred or the owner applies.
Do I need to visit the Modesto DMV?
Only if your title or registration needs fixing first.
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.