Title Loans

What Title Loans does

Car Capital Financial, Inc., doing business as Title Loans, is a California-licensed consumer lender that originates vehicle-secured installment loans in Southern California. Founded around 1998 and headquartered at 700 West Collins Avenue in Orange, the company serves individual consumers across Los Angeles, San Diego, Orange County, and Riverside County who own titled vehicles (cars, trucks, RVs, motorcycles, boats, and other recreational assets) and need short-term liquidity, including borrowers with poor or subprime credit who have been rejected by traditional banks. Its core product is the car title loan: short-term, collateralized installment credit under which the borrower retains use of the vehicle while the title is held as security, with minimum funded amounts of approximately $2,600, 12-48 month repayment terms, and APRs in the 35.9% range.

The platform combines a website (titlelease.com) with an online application form, a toll-free phone sales desk, and an in-person inspection/origination process at the Orange headquarters. Underwriting relies on third-party FICO credit scoring and stated employment/residency stability requirements, with no disclosed proprietary scoring models, AI/ML components, or API integrations in the input data. Product breadth has expanded incrementally beyond the core car title loan to include RV and motorhome title loans, short-term installment loan structures, and seasonal Holiday Loans; the portfolio runs through a single California Financing Law License (6038638) regulated by the California Department of Business Oversight.

The revenue model is direct-to-consumer interest and fee income on originated installment notes, plus ancillary California lien fees and prepaid documentation fees. Pricing is fully publicly disclosed on the website: standard 12-, 24-, 36-, and 48-month amortization tables are published with APRs ranging from 35.9047% to 35.9520%, no prepayment penalty, and uniform documentation/lien fees. Distribution is wholly direct: no partners, brokers, or referral channels are identified; customers are acquired through SEO/content marketing, paid or organic search, the toll-free number, and walk-ins at the headquarters. The customer base is individual retail only, with no disclosed enterprise, SMB, or repeat-customer concentration signal in the source material.

Name

Title Loans

Legal name

Car Capital Financial, Inc.

Website

https://titlelease.com

Company type

Private

Founded year

1998

Operating status

Operating

Headcount range

1–10 employees

Short description

Car Capital Financial, operating as Title Loans, is a California-licensed direct lender originating vehicle title installment loans to Southern California consumers, including subprime borrowers, with loans starting near $2,600 at roughly 35.9% APR over 12 to 48 months.

Ownership category

akta.pro rank

Product category

Consumer Lending / Auto Title Lending

NAICS

Nondepository Credit Intermediation (5222), Sales Financing (522220)

SIC

Personal Credit Institutions (6141)

akta.pro primary industry

Title Loans (Vehicle-Backed Short-Term Credit) (FSAKAMAD)

akta.pro secondary industries

Auto Title Loans (FSAKALAB), Subprime Auto Title Lending (FSAKAOAB)

Keywords

• Title loans
• Auto title loans
• Consumer lending
• Installment loans
• Vehicle collateral lending

Headquarters

HQ city

San Diego

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales

Revenue model

1. Title Loan Interest and Fees: Car title loans generate revenue through interest charges (35.9047% APR for qualified buyers) and fees including a $15 California lien fee and $75 prepaid documentation fee for loans $2,600-$4,999 or 5% for loans $5,000+. Loans range from $2,600 minimum with 12-48 month repayment terms. No prepayment penalties, allowing early payoff.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels4 records

Core offering

Title Loans (Car Capital Financial, Inc.) is a California-based direct consumer lender that provides secured loans using vehicle titles as collateral. The company offers car title loans, RV and motorhome title loans, installment loans, and holiday loans to individual borrowers in Southern California, with fixed monthly payments, terms ranging from 12 to 48 months, and a minimum loan amount of $2,600 at an APR of approximately 35.9%.

Product overview

Car Capital Financial offers a focused portfolio of secured lending products centered on vehicle title loans. The core offering is Car Title Loans, where borrowers use their vehicle title as collateral while retaining use of their vehicle during repayment. The company also provides RV and Motorhome Title Loans for recreational vehicle owners, and Installment Loans that can include title loans with monthly payment structures. Holiday Loans represent a seasonal variation of their title loan product. All products share a common platform: collateral-backed secured loans with quick approval (as fast as 30 minutes), no credit check requirements, and terms ranging from 12-48 months, serving primarily Southern California residents.

Differentiator

Problem solved

Functional benefit

Products and services

• Car Title Loans Secured installment loans using the borrower's car title as collateral, available to individual consumers in Southern California with terms of 12-48 months, a minimum loan of $2,600, and an APR of approximately 35.9%. Borrower retains use of the vehicle during the loan term.
• RV & Motorhome Title Loans

Quantifiable outcome

• Loans approved within 30 minutes of receiving completed application
• +2 more outcomes

Named customers5 records

Segments3 records

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• FirstCash Holdings: Public pawn-loan and short-term consumer credit specialist. Comparable in serving credit-constrained borrowers with collateralized short-term credit, though primarily pawn rather than auto title.
• Check Into Cash: Multi-channel consumer finance provider with title loans as one of several products (alongside payday and installment). Comparable subprime customer base with a broader national footprint.
• Advance America: Large multi-product consumer finance chain offering title loans, payday loans, and installment loans. Comparable subprime-borrower focus with broader product mix and national scale.
• Speedy Cash: Multi-product consumer finance company offering payday, installment, and title loans across many U.S. states. Overlaps in title-loan product and subprime customer, but operates a broader product portfolio at much larger scale.

Direct peers

• LoanMart: California-headquartered car title loan lender with comparable installment-structure products, 12-48 month terms, and similar target segments. Operates in overlapping Southern California geography.
• TitleMax: Largest U.S. title-loan specialist with similar vehicle-collateralized installment structure. Closest direct peer in business model and target customer (subprime borrowers needing fast cash against vehicle titles).
• TitleBucks: Vehicle-title lending specialist offering short-term and installment title loans in multiple states. Closely mirrors Car Capital's product structure and credit-underwriting approach.
• Regional Management Corp. Public installment lender specializing in direct subprime consumer loans, including auto-secured products. Comparable in targeting credit-challenged borrowers with installment loan structures.
• 1-800 LoanMart (now Cherry Creek Lending): California-licensed installment title lender offering vehicle-secured loans to subprime borrowers. Directly comparable in regulatory framework, loan structure, and customer demographic.

Emerging players

• Lendbuzz: Fintech auto-finance platform using alternative data to underwrite subprime and credit-challenged auto borrowers. Adjacent competitor addressing similar borrower need through a tech-enabled, lower-overhead model.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/carcapitalinc
• LinkedInlinkedin.com/company/car-capital-inc

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Title Loans