Title Loan Data for Pacoima, CA
$5,090
Average Loan Amount
$500–$46,534
Loan Range
2015
Average Vehicle Year
7,471
Loans Funded
Based on 7,471 loans in Pacoima from 2024 to 2025. Actual loan amounts vary based on your vehicle’s condition, mileage, your ability to repay the loan, and California regulations.
Actual Title Loans Funded in Pacoima, CA
Actual loan amounts vary based on vehicle condition, mileage, and California regulations.
| Year | Make | Model | Miles | Funded Amount |
|---|---|---|---|---|
| 2019 | Hyundai | Kona | 122,306 | $4,925 |
| 2021 | Tesla | Model 3 | 96,500 | $3,591 |
| 2012 | Mercedes-Benz | M Class | 209,000 | $3,605 |
| 2018 | Nissan | Rogue Sport | 65,000 | $7,334 |
| 2012 | Ford | Mustang | 96,980 | $6,315 |
| 2017 | Honda | Civic | 152,842 | $2,525 |
| 2019 | Toyota | Tacoma | 100,000 | $5,143 |
| 2018 | Nissan | Maxima | 125,000 | $4,543 |
| 2019 | Honda | Accord | 160,000 | $8,895 |
| 2019 | Toyota | Highlander | 138,000 | $4,320 |
Average Title Loan by Most Common Vehicles in Pacoima, CA
| Vehicle Make | Avg. Vehicle Value | Avg. Loan Amount | Borrowers |
|---|---|---|---|
| Toyota | $11,346 | $5,177 | 1351 |
| Honda | $10,883 | $4,864 | 871 |
| Chevrolet | $11,218 | $5,145 | 787 |
| Ford | $10,293 | $5,236 | 676 |
| Nissan | $7,990 | $4,188 | 476 |
Based on 7,471 loans in Pacoima from 2024 to 2025. Actual loan amounts vary based on your vehicle’s condition, mileage, your ability to repay the loan, and California regulations.
Title Loan Regulations in California
- Interest rate cap: 36% per year plus Federal Funds Rate (~39.6% APR as of Feb 2026)
- Loan range: $2,500 to $10,000+
- Repayment term: 12 to 60 months with fixed monthly payments
- Regulated by: Department of Financial Protection and Innovation (DFPI)
What a Title Loan Costs in California
| Loan Amount | Term | APR | Interest/Fees | Total Due |
|---|---|---|---|---|
| $3,000 | 24 months | 36% | $1,252 | $4,252 |
| $5,000 | 24 months | 36% | $2,087 | $7,087 |
| $9,999 | 24 months | 36% | $4,171 | $14,170 |
Your actual APR also includes the Federal Funds Rate (3.64% as of February 2026), making the current cap about 39.6%. Loans over $10,000 have no state rate cap. Always make sure your lender shows you the exact APR before signing.
📖 Governing law: California Finance Lenders Law (Cal. Fin. Code §22000–22780)
See all California title loan rules and consumer protections on our California title loans page.
Title Loan Questions for Pacoima, CA Residents
If you stop paying your title loan in Pacoima, the main risk is losing your vehicle. Under California law, the lender can repossess your car without advance warning once the loan is in default. You will be notified before any sale and have the right to reclaim the vehicle by paying the outstanding balance before the sale date.
Yes. You can apply entirely online in Pacoima without leaving your home. Submit your vehicle details, upload your documents, and receive a free estimate from your phone or computer. Funds can be arranged online and sent directly to your bank account.
A lost title can be replaced through the California DMV. File Form REG 227, pay the fee, and allow a few weeks for processing. Once you have the duplicate in your name, you can proceed with a title loan application in Pacoima.
No, you do not need good credit. Title loan approval in Pacoima is based mainly on your vehicle’s value and your ability to repay – not your credit score. Many applicants with low or damaged credit still qualify.
The requirements for a title loan in Pacoima are straightforward:
Car title in your name
Government-issued photo ID
Proof of income
Proof of California address
Social Security number
Your credit score is not the main factor. Approval is based on your vehicle’s value and ability to repay.
Yes. You may still qualify with bad credit or a past bankruptcy. Approval is based mainly on your vehicle’s value and your ability to repay.
Yes. At 5 Star Car Title Loans™, you can complete your pre-approval online for free with no obligation. In most cases, the process, including the application, remote car inspection, and signing the agreement, can be completed from home.
A full credit check is not always required for a title loan. Because the loan is secured by your vehicle, approval is based mainly on vehicle value and income. Credit history may be reviewed but is not the deciding factor.
