Title Loan Data for Costa Mesa, CA
$5,271
Average Loan Amount
$2,726–$7,542
Loan Range
2015
Average Vehicle Year
6
Loans Funded
Based on 6 loans in Costa Mesa 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 Costa Mesa, CA
Actual loan amounts vary based on vehicle condition, mileage, and California regulations.
| Year | Make | Model | Miles | Funded Amount |
|---|---|---|---|---|
| 2008 | Jeep | Wrangler | 120,000 | $5,015 |
| 2017 | Nissan | Sentra | 117,000 | $2,726 |
| 2017 | Nissan | Altima | 98,000 | $3,332 |
| 2013 | Dodge | Challenger | 134,945 | $6,995 |
| 2019 | Kia | Sportage | 62,000 | $6,015 |
| 2016 | Honda | Accord | 91,000 | $7,542 |
| 2016 | Ford | F150 | 135,000 | $5,347 |
| 2015 | Chrysler | 300 | 80,000 | $2,525 |
| 2014 | Toyota | Venza | 130,000 | $5,015 |
| 2016 | Toyota | Corolla | 102,000 | $4,015 |
Average Title Loan by Most Common Vehicles in Costa Mesa, CA
| Vehicle Make | Avg. Vehicle Value | Avg. Loan Amount | Borrowers |
|---|---|---|---|
| Nissan | $5,350 | $3,029 | 2 |
| Dodge | $12,525 | $6,995 | 1 |
| Honda | $11,775 | $7,542 | 1 |
| Jeep | $6,800 | $5,015 | 1 |
| Kia | $13,800 | $6,015 | 1 |
Based on 6 loans in Costa Mesa 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? Costa Mesa by the Numbers
What Costa Mesa Borrowers Used Their Loan For
| # | Top Use |
|---|---|
| 1 | Electric and Water Utilities |
| 2 | Emergency Medical Bills |
| 3 | Gas and Transportation Costs |
Based on 6 borrowers in Costa Mesa from 2024–2025.
Unemployment Rate in Costa Mesa, California
4.7% of Costa Mesa 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 Costa Mesa, California
The median household income in Costa Mesa is $111,505. About 9.1% 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 Costa Mesa, CA Residents
No, you do not have to give up your car. You hand over the title as security, but your keys stay with you. You keep driving your vehicle as normal throughout the entire loan term.
Title loans typically offer 25% to 50% of your vehicle’s value. Most borrowers in Costa Mesa 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 Costa Mesa, 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 Costa Mesa 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. Your loan amount depends on your vehicle’s value. This is typically estimated using guides like Kelley Blue Book, considering factors such as:
Year, make, and model
Mileage
Overall vehicle condition
Accident history
In many cases, borrowers may qualify for up to about 50% of the vehicle’s estimated value.
No, there are no restrictions on how you spend your title loan funds. You can use them for any legal purpose. Borrowers in Costa Mesa commonly use them for rent, bills, car repairs, medical expenses, and other unexpected costs.
If you stop paying your title loan in Costa Mesa, 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 Costa Mesa 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.
