Lending Disclosure: Sacramento Auto Title Connect is not a direct lender, loan broker, or agent for any lender. We are a free, independent matching service that connects interested consumers with third-party auto title lenders in our network. We do not make credit decisions, determine loan amounts, or set interest rates. Submitting a request on this site does not guarantee that you will be connected with a lender or approved for a loan.
APR Disclosure: APR (Annual Percentage Rate) varies significantly based on the lender, your state of residence, your creditworthiness, and the loan amount. Sacramento Auto Title Connect does not have access to the specific terms of your loan. Title loan APRs are generally high. Please review your loan agreement carefully to understand all rates and fees before accepting.
Credit Check Notice: Participating lenders may perform credit checks or obtain consumer reports through alternative providers (such as Clarity Services or DataX) or the three major credit bureaus (Equifax, Experian, TransUnion) to evaluate your creditworthiness. By submitting your information, you agree to allow lenders to verify your information and check your credit.
State Information: California residents: Auto title loans in California are governed by the California Financing Law (CFL). Under the Fair Access to Credit Act (AB 539), loans between $2,500 and $9,999 have capped interest rates (36% + Federal Funds Rate). Loans above $10,000 are not subject to these specific rate caps. Lenders must be licensed by the California Department of Financial Protection and Innovation (DFPI).
State Regulations: California Financing Law (CFL), specifically governed by AB 539 for loans under $10,000.