Title Loan Data for Sylmar, 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 Sylmar 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 Sylmar, 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 Sylmar, 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 Sylmar 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 Sylmar, CA Residents
Yes, 5 Star Car Title Loans accepts vehicles other than standard cars in Sylmar. Eligible vehicle types include:
Trucks, vans, and SUVs
Motorcycles
RVs and motorhomes
ATVs
Commercial trucks (case by case)
A past bankruptcy does not automatically prevent you from qualifying. Title loans are secured by your vehicle rather than your credit history, so the key factors are your car’s current value and your income. If your bankruptcy is discharged and you have a qualifying vehicle, you may still be eligible.
As a resident of Sylmar, CA, you can verify your car title status through the California DMV. Check your physical title to see if a lienholder is listed, or request a vehicle title record from the DMV. You may also confirm the status through the California DMV’s online vehicle records services.
Yes. The age of your car can affect eligibility because the vehicle’s current market value is considered. Many older vehicles may still qualify, but the loan amount will depend on the car’s condition, mileage, and overall value.
Under California law, if you miss a payment on your title loan in Sylmar:
A late fee of 0 to 5 may be charged (one fee per missed payment)
The lender may repossess your vehicle without advance warning
You will be notified before any sale and can reclaim the car by paying the balance owed
You do not hand over your car when you take out a title loan in Sylmar. You hand over the title as security. Your keys stay with you and you keep using your vehicle as normal for the full duration of the loan.
Title loans typically offer 25% to 50% of your vehicle’s value. Most borrowers in Sylmar receive between $2,500 and $10,000, depending on vehicle value and income. Loans above $10,000 are not subject to a state rate cap and can be significantly more expensive.
In Sylmar, CA, your car can be repossessed once you default. You must be notified before the vehicle is sold. You can get the car back by paying what you owe plus any recovery costs.
