First off I want to say that this was very good and informative so thank you!
I wanted to mention that getting a loan from a tradional bank is not easy and can be very complicated. They usually have lower interest rates than car title lenders but they have a long and complicated process and if you got bad credit you can even forget about applying.
Car title loans Sacramento has the easiest auto loan service one could ask for. They provide same day funding and accept all credit scores.
They base the amount of loan you can get on your car value. So don't worry about your credit score.
You can also do the whole process online https://www.cartitleloanscalifornia.com/location/car-title-loans-sacramento/ by filling out their application form on their website