Title Loan Data for Adelanto, CA
$5,290
Average Loan Amount
$2,525–$12,042
Loan Range
2015
Average Vehicle Year
19
Loans Funded
Based on 19 loans in Adelanto 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 Adelanto, CA
Actual loan amounts vary based on vehicle condition, mileage, and California regulations.
| Year | Make | Model | Miles | Funded Amount |
|---|---|---|---|---|
| 2013 | Mercedes-Benz | C Class | 146,000 | $4,253 |
| 2018 | Toyota | Tundra | 149,653 | $10,015 |
| 2018 | Ford | Fusion | 101,000 | $2,793 |
| 2019 | Mitsubishi | Eclipse Cross | 151,151 | $2,525 |
| 2005 | GMC | Yukon | 180,000 | $3,012 |
| 2018 | Nissan | Altima | 122,000 | $2,525 |
| 2019 | Chevrolet | Silverado 1500 | 180,296 | $9,525 |
| 2015 | Kia | Soul | 64,000 | $2,525 |
| 2016 | Chevrolet | Colorado | 115,000 | $2,525 |
| 2013 | Ram | 1500 | 78,000 | $8,587 |
Average Title Loan by Most Common Vehicles in Adelanto, CA
| Vehicle Make | Avg. Vehicle Value | Avg. Loan Amount | Borrowers |
|---|---|---|---|
| Chevrolet | $12,358 | $8,031 | 3 |
| Mercedes-Benz | $7,000 | $3,715 | 2 |
| Honda | $6,188 | $4,885 | 2 |
| GMC | $4,113 | $3,205 | 2 |
| Nissan | $3,782 | $3,270 | 2 |
Based on 19 loans in Adelanto from 2024 to 2025. Actual loan amounts vary based on your vehicle’s condition, mileage, your ability to repay the loan, and California regulations.
Did You Know? Adelanto by the Numbers
What Adelanto Borrowers Used Their Loan For
| # | Top Use |
|---|---|
| 1 | Electric and Water Utilities |
| 2 | Emergency Medical Bills |
| 3 | Gas and Transportation Costs |
Based on 19 borrowers in Adelanto from 2024–2025.
Unemployment Rate in Adelanto, California
11.8% of Adelanto residents are currently unemployed, compared to the California state average of 7.1%.
Source: U.S. Census Bureau & Bureau of Labor Statistics.
Median Household Income in Adelanto, California
The median household income in Adelanto is $68,685. About 17.2% of residents live below the federal poverty line.
Source: U.S. Census Bureau & Bureau of Labor Statistics.
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 to 22780)
See all California title loan rules and consumer protections on our California title loans page.
Title Loan Questions for Adelanto, CA Residents
Under California law, if you miss a payment on your title loan in Adelanto:
• A late fee of 0 to 5 may be charged (one fee per missed payment)
• Repossession of your vehicle is permitted without prior warning
• You will be notified before any sale and can reclaim the vehicle by settling the balance
With a title loan from 5 Star Car Title Loans in Adelanto, your car stays in your possession. The lender holds a lien on the title, but you drive it as you normally would. Your vehicle is only at risk if payments stop.
Title loans typically offer 25% to 50% of your vehicle’s value. Most borrowers in Adelanto 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 Adelanto, 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.
Title loan lenders in Adelanto consider all forms of income, not just paycheck employment. If you receive regular income from:
Government benefits (Social Security, disability, unemployment)
Retirement or pension payments
Gig work or self-employment
Other documented sources
Yes. Mileage and condition are two of the main factors used to estimate your vehicle’s value in Adelanto. Lower mileage and better condition mean a higher value estimate, which may allow you to borrow more. Get a free estimate online to see what your vehicle qualifies for.
Yes, you can use your title loan funds to pay rent, utility bills, or any other expenses. There are no spending restrictions. Because title loans carry higher interest rates, they are best suited for genuine short-term needs.
If you stop paying your title loan in Adelanto, 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.
