Rates & Fees
Transparency is important to us. Below you'll find detailed information about our rates and fee structure.
In California, auto title loans are regulated under the California Financing Law (CFL). The amount you can borrow and the interest rate you are charged depend heavily on the loan amount and the equity in your vehicle. For loans between $2,500 and $9,999, California law generally caps the interest rate at 36% plus the Federal Funds Rate. Loans of $10,000 or more do not have a hard rate cap under the CFL, though lenders must comply with unconscionability standards. As a matching service, Sacramento Auto Title Connect does not set your rates or loan terms. The specific APR, origination fees, and lien fees will be detailed in your loan agreement provided by the third-party lender. We strongly advise you to read your loan agreement carefully before signing.
Annual Percentage Rate (APR)
36% to 199% (Varies by lender and loan amount)
Representative Example
| Loan Amount | Term | APR | Finance Charge | Total Repayment |
|---|---|---|---|---|
| $3,000 | 24 Months | 38% | $75 | $4,385.12 |
| $5,000 | 36 Months | 37% | $75 | $8,325.80 |
| $12,000 | 36 Months | 65% | $150 | $26,845.50 |
The table above is for illustrative purposes only and does not constitute a guaranteed loan offer. Actual rates and terms vary by lender, applicant's creditworthiness, ability to repay, and the vehicle's appraised value. Sacramento Auto Title Connect does not charge consumers a fee for using our service.
State-Specific Information — California
Maximum Loan Amount: Varies by vehicle equity (Typically up to $50,000)
Rate Cap: 36% + Federal Funds Rate (For loans $2,500 - $9,999)
Regulations: California Financing Law (CFL), specifically governed by AB 539 for loans under $10,000.
Licensing: California Department of Financial Protection and Innovation (DFPI)