How To Use Our Title Loan Calculator

Calculate Your APR and Payment Terms With A Title Loan Calculator

Our car title loan calculator is the best way to quickly determine the financial repercussions of a title loan.  By entering some simple information such as your desired loan amount, vehicle information, and requested payoff term, we can tell you how much you'll pay in interest charges and your monthly payment!

You may wonder why you need a title loan calculator if you get a quote from a lender within minutes of filling out an application. The reason is that our online calculator can break numerous payment options that won't be included in your title loan estimate. For instance, we can tell you how much you'll save in interest by paying more each month or how beneficial it is to pay off a title loan in 6 months versus a year.

How California Title Loans Online Calculator Works

Our title loan calculator uses your basic lending information to estimate the monthly payments, repayment terms, and interest charges. You need to know the following info to use our online calculator:

- The amount of money you need
- The expected loan repayment term
- The interest rate (APR)
- Your car's value and your expected payment

Besides the information show above, it also helps to know how much more you can afford to pay each month, above and beyond the required monthly payments. Our title loan calculator uses all this information to determine your monthly payments, interest rates, and the total cost of the loan. Remember that these are just estimates, and your final loan amount and monthly payment will be determined based on your lending profile during underwriting and the current resale value of your vehicle.

What To Look For With A Title Loan Estimate

When considering a title loan or auto equity loan, pay attention to the annual percentage rate (APR). This percentage is the cost assessed by the lender for your loan, and the APR is calculated monthly. Review any fees associated with the loan offer and ensure these charges are included in your initial quote. Many companies funding bad credit title loans will charge origination fees, prepayment penalties, and other hidden costs that can add up quickly. Some of these won't be included in a title loan lending calculator. Look for an online calculator with the fees built-in or additional fields where you can add in other less common data to run different estimates and determine how much you will be paying over the life of the loan.

Estimate Early Payoff Dates And Payment Amounts With A Title Loan Calculator

A title loan calculator can estimate the payoff dates and payment amounts if the loan is paid off early. That means you can get more information than you'll initially see from a pre-approval quote when you factor in a quicker payoff and loan repayment term.

The average borrower can save thousands by making early payments or paying slightly more than the minimum. By estimating your payment dates and total payoff, you can make extra payments toward your title loan to pay it off early. It can also help you create a budget and plan how much you must set aside each month to stay on time with the expected payments and avoid a dreaded default!

How Much Can I Afford To Pay Monthly

Title loans can be a helpful solution for anyone facing a financial crisis in California. But ultimately, a title loan won't be an option if you can't afford the required payments. Most personal finance experts recommend limiting your monthly payments on a title loan to no more than 30% of your monthly income. Anything more than that can make paying other expenses such as your mortgage, rent, or car insurance difficult.

While you want to have an idea in your head about the monthly payments you can afford, you also need to remember that title loans have high interest rates, and paying double or triple the monthly payments can lead to a loan payoff in 1 to 2 years versus double that if you were only paying the minimum payments. Because of these two competing factors, we recommend finding a monthly payment amount that fits in the middle of what you can afford to pay monthly versus how much you can pay until it starts taking away from other essential expenses.

At California Title Loans, we'll work with you to develop a payment term and monthly payment that pays off your title loan quickly while not putting you in a situation where you can no longer afford other bills. As of 2025, our customers pay an average of $300 monthly. Some borrowers can pay way more than that; in that situation, you can often pay off your title loan in 12 months or less.

What Else Affects The Payment Terms And Monthly Payments

A title loan calculator can give you the basic information about what to expect with a title loan, but what if you're looking for more detailed analysis of your lending estimate? At California Title Loans, our calculator also breaks down how much you'll save by refinancing a title loan and customers can also see what they'll end up paying on a title loan buyout. Title loans mainly depend on the value of your vehicle when determining eligibility. Still, other factors, such as your credit score and state of residence, can lead to changes in your payment terms, monthly payment, and expected APR.

Start with our online title calculator to get a basic understanding of the title loan payment terms to expect in California. After that, Call California Title Loans at 855-339-1001 for a more detailed breakdown of your exact APR, payoff date, and alternative payment options with a title loan. Our agents can break everything down for you in just one phone call and once you feel comfortable with your lending estimate, we can start underwriting your loan!