**By providing a telephone number with any request for services or loans from City Loan (“we,” “us,” “our”), you authorize us to call and send text messages to these numbers using an automatic telephone dialing system and/or artificial/prerecorded messages, when we provide account information and services, such as transaction approvals, payment reminders, or collection messages. If you do not want to receive these account messages by text, you can withdraw consent by following the opt-out procedures in the text message. We will not charge you for these communications, but your telephone service provider may charge you to receive them.


City Loan – Platinum Title Loan Program


Our City Loan Platinum Title Loan Program offers APR's between 18.59% and 33.42% to qualified customers*. APR's include all fees associated with a loan.

The Platinum Title Loan helps people in California with financial emergencies who need cash fast.

Customers in the Platinum Title Loan program, who make regular on-time payments, can qualify for a review of their loan, which could lower their APR.

If you do not qualify for this program, do not worry...City Loan can still help!  We offer other options that  can get you the cash you need, like our 180 Turn Around Loan. Click here for more information.

Below you will find examples of Platinum Title loans.


Loan Fees:

Pre-Payment Penalty. City Loan does not charge a pre-payment penalty.

Administrative Fee. City Loan may charge an Administrative Fee. Administrative Fees are fully earned at origination. See examples below.

DMV or Lien Transfer Fees. City Loan may include a DMV Fee or Lien Transfer Fee in your loan. See examples below.

Interest Rate. City Loan charges Interest rates starting as low as 17% simple interest based on several factors including collateral, credit history, ability to repay the loan, loan amount, duration of the loan, and other factors. The Annual Percentage Rate (“APR”), may be slightly higher due to an Administrative Fee which is included in the computation of APR as Prepaid Interest.

See the following examples of a Platinum Title Loan:

Loan Amount Term Length Admin Fee Lien Transfer Fee Monthly Payment Amount Interest Rate APR
$2600.00 36 Mo. $75.00 $15.00 $95.31 17% 18.59%
$2600.00 36 Mo. $75.00 $15.00 $115.97 32% 33.42%




*Approval under the Platinum Title Loan Program is subject to City Loan’s credit and underwriting guidelines. In order to qualify, customers must have a 700 FICO score or greater, customer monthly salary must be four (4) times the amount of the monthly loan payment, and have a free and clear title to a 2012 or newer vehicle. In addition borrowers must meet income and other requirements. 

By completing the form on this page, you understand the basic qualifications needed for this program and can present proper documentation.

Not all borrowers may qualify under the Platinum Title Loan Program and the credit amount offered may vary, as it is contingent upon each borrower’s credit profile.  Borrowers are subject to City Loan’s credit criteria standards for the Platinum Title Loan Program.  In addition borrowers must meet income and other credit requirements.  

The minimum amount that can be borrowed is $2,600.00 with a maximum amount of $50,000.00.  Interest rates associated with the Platinum Title Loan Program ranges from 18.59% to 33.41% and is contingent upon a borrower’s credit profile.  The maximum term length of the loan is 36 monthly installments at the minimum amount paid on the loan. A borrower may opt to pay off the loan earlier without any prepayment penalty. Loans are subject to a $75.00 administrative fee and $15.00 Lien Transfer Fee, late fees may apply and are determined by the loan amount.  The maximum amount of a late fee charge is $15.00.  Please note that failure to adhere to the loan agreement and remitting  payments in a timely fashion, can result in collateral repossession or other legal actions.


*”The 15 minute funding time” is the timeframe that City Loan will “fund” the loan to approved borrowers under the Platinum Title Loan Program, if approved borrowers have provided City Loan with proper funding instructions and / or provided that approved borrowers are located near / have access to a funding money center where no additional wait time exists, where applicable.  The 15 minute funding time does not include time for the application process which includes: (1) the borrower completing and submitting an application, (2) the borrower submitting all required documents; and (3) a review of the borrower’s qualifications under City Loan’s underwriting process.  Applications may be processed within 1– 4 hours and upon approval the loan shall be funded within 15 minutes.

City Loan may require additional information in order to process an application, which may further delay the application process time.  The cut-off time for same day funding is 2:00 p.m. PST, which also may delay funding until the next business day, if approval is after the cut-off time.

If you have any questions regarding this, you may contact City Loan for more information at 877-CASH-SOS (877-227-4767).