Pawning Car Titles in San Francisco

February 20, 2020 - Vehicles

What’s The Right Way to Do It?

Do you need money for an emergency?

Maybe it’s an unexpected home improvement or you’ve fallen behind with other bills. If you’ve found yourself in a tight spot financially and you’re in need of a loan, then you may be interested in learning about pawning car titles.

Sometimes life throws us curve balls and we need to act fast in order to salvage our prosperity. That’s where title pawn shops come in. They can loan you the money you need so that you can stay afloat and avoid further mishaps with your finances.

If you’re wondering what it takes to pawn a car title for cash, then you’ve come to the right place. Here, we’re discussing some logistics so that you can feel safe and secure about pawning your car. Keep reading to learn more.

Pawn Your Car and Still Drive It

In order to pawn your car, you must have the title in hand. It must be clear of lien holders meaning that you can’t already have a loan out on it before you decide to pawn. If you’re not sure where your car title is, you can request a replacement copy from your local DMV office.

The Process

Once you have your title, you’ll need to bring it with you to the pawn shop for review. You’ll also need your state-issued identification, proof of income, and in many cases proof of residence, such as a utility bill. This will ensure the pawn shop that you have the means of paying back your loan and give them a place to find you in case of default.


Different states have different regulations surrounding pawning car titles so you’ll need to do a little homework in your state before contacting the pawn shop. In most cases, terms are from 30-60 days.

Interest Rates

Keep in mind that interest rates for pawn loans can be quite outrageous depending on where you live. Again, different states offer different laws but the rule of thumb is generally somewhere around 25 percent which can add up quickly. This equates to an annual percentage rate of 300 percent!


You’ll need to make sure you can pay the loan back within the specified terms or you could risk repossession of your vehicle. Some lenders provide a grace period but others don’t. Make sure you know your options up front.

Responsible Borrowing

It can be a risky decision to pawn your car title with the high interest rates and low terms. It’s easy to get stuck in an endless cycle of paying only the interest and not making a dent in the actual loan. Make sure you can pay the funds back before the interest starts piling up to avoid this outcome.

Pawning Car Titles in San Francisco

Pawning a car for cash is a quick and convenient way to get cash in hand in the event of an emergency. And, you’ll still be able to drive your car as long as you make your payments on time.

There are pawn shops that take car titles all over San Francisco if you know where to look. All you have to do is a quick search of our database and it will direct you right to the nearest car title pawn shops.

Now that you know the ropes about pawning car titles, you can safely pawn your car and get the funds you need right away.

David Stiebel
David Stiebel

David Stiebel is one of the cofounders of PawnGuru. David was educated at MIT, where he studied Math. He subsequently worked at Bain as a data scientist before starting PawnGuru in 2015. He started PawnGuru to build a better tool for pawn shops and consumers to connect.

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