Title Loan Data for Imperial Beach, CA
$4,498
Average Loan Amount
$2,525–$9,995
Loan Range
2015
Average Vehicle Year
10
Loans Funded
Based on 10 loans in Imperial Beach 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 Imperial Beach, CA
Actual loan amounts vary based on vehicle condition, mileage, and California regulations.
| Year | Make | Model | Miles | Funded Amount |
|---|---|---|---|---|
| 2014 | Toyota | Camry | 217,000 | $2,510 |
| 2022 | Toyota | Corolla | 253,837 | $10,077 |
| 2012 | Ford | F150 | 167,927 | $6,515 |
| 2016 | Ford | Fusion | 88,000 | $2,525 |
| 2016 | Honda | Accord | 250,000 | $2,525 |
| 2009 | GMC | Sierra 1500 | 260,000 | $2,525 |
| 2018 | Audi | Q3 | 86,000 | $9,995 |
| 2015 | Lincoln | MKZ | 59,000 | $2,525 |
| 2021 | Mercedes-Benz | A-Class | 7,900 | $4,005 |
| 2014 | BMW | 4-Series | 85,000 | $4,409 |
Average Title Loan by Most Common Vehicles in Imperial Beach, CA
| Vehicle Make | Avg. Vehicle Value | Avg. Loan Amount | Borrowers |
|---|---|---|---|
| Ford | $5,138 | $4,520 | 2 |
| BMW | $10,075 | $4,409 | 1 |
| Chevrolet | $5,650 | $4,184 | 1 |
| GMC | $7,025 | $2,525 | 1 |
| Honda | $5,825 | $2,525 | 1 |
Based on 10 loans in Imperial Beach 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? Imperial Beach by the Numbers
What Imperial Beach Borrowers Used Their Loan For
| # | Top Use |
|---|---|
| 1 | Electric and Water Utilities |
| 2 | Emergency Medical Bills |
| 3 | Gas and Transportation Costs |
Based on 10 borrowers in Imperial Beach from 2024–2025.
Unemployment Rate in Imperial Beach, California
7.1% of Imperial Beach 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 Imperial Beach, California
The median household income in Imperial Beach is $86,111. About 14.8% 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 Imperial Beach, CA Residents
You can replace a lost car title through the California DMV by filing Form REG 227 (Application for Duplicate Title). Pay the required fee and submit the form at a local DMV office or by mail. Processing typically takes a few weeks. Once the duplicate is in your name, you can use it to apply for a title loan in Imperial Beach.
Bad credit does not automatically disqualify you in Imperial Beach. Because your vehicle secures the loan, approval is based on what your car is worth and whether you have income to support repayments. A low credit score does not prevent you from applying.
The basic requirements for a title loan in Imperial Beach are:
Car title in your name (lien-free or with equity)
Government-issued photo ID
Income verification
California address documentation
SSN
Credit score is not required for approval. Get a free estimate online.
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.
5 Star Car Title Loans in Imperial Beach primarily works with passenger vehicles such as cars, trucks, vans, and SUVs. Other vehicles may also qualify, including:
Motorcycles
RVs
Boats
ATVs
Commercial trucks
No, a bankruptcy on your record does not automatically disqualify you. Because title loans are secured by your vehicle rather than your credit history, approval is based on your car’s value and your current ability to repay. If your bankruptcy is discharged and you have a qualifying vehicle and income, you may still be eligible.
