Title Loan Data for Modesto, CA
$3,379
Average Loan Amount
$2,525–$6,042
Loan Range
2016
Average Vehicle Year
16
Loans Funded
Based on 16 loans in Modesto 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 Modesto, CA
Actual loan amounts vary based on vehicle condition, mileage, and California regulations.
| Year | Make | Model | Miles | Funded Amount |
|---|---|---|---|---|
| 2015 | Harley-Davidson | FXDL Dyna Low Rider | 20,000 | $3,957 |
| 2015 | Mazda | Mazda3 | 162,000 | $2,716 |
| 2002 | Chevrolet | Silverado 1500 | 36,193 | $4,415 |
| 2015 | Harley-Davidson | FLHP Police Road King | 34,211 | $2,525 |
| 2015 | Mazda | CX-9 | 140,000 | $2,815 |
| 2017 | Nissan | Maxima | 126,000 | $4,240 |
| 2017 | Honda | Civic | 184,000 | $2,754 |
| 2022 | Subaru | Crosstrek | 63,000 | $2,525 |
| 2016 | Ram | 5500 SLT | 167,442 | $5,829 |
| 2019 | Honda | Accord | 50,000 | $3,015 |
Average Title Loan by Most Common Vehicles in Modesto, CA
| Vehicle Make | Avg. Vehicle Value | Avg. Loan Amount | Borrowers |
|---|---|---|---|
| Nissan | $9,817 | $3,097 | 3 |
| Kia | $8,588 | $2,805 | 2 |
| Honda | $12,550 | $2,885 | 2 |
| Hyundai | $6,900 | $3,770 | 2 |
| Harley-Davidson | $5,245 | $2,525 | 1 |
Based on 16 loans in Modesto 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? Modesto by the Numbers
What Modesto Borrowers Used Their Loan For
| # | Top Use |
|---|---|
| 1 | Electric and Water Utilities |
| 2 | Emergency Medical Bills |
| 3 | Gas and Transportation Costs |
Based on 16 borrowers in Modesto from 2024–2025.
Unemployment Rate in Modesto, California
7.2% of Modesto 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 Modesto, California
The median household income in Modesto is $79,891. About 13.3% 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 Modesto, CA Residents
The maximum title loan amount in Modesto depends on your vehicle’s value. Loans typically range from $2,600 to $10,000. Most borrowers may qualify for up to 50% of their car’s current market value. Get a free estimate online to see what your vehicle qualifies for.
Yes, it may still be possible to get a title loan in Modesto, CA if there is a lien on your vehicle. Eligibility depends on the remaining loan balance and the current value of the car. If there is enough equity in the vehicle, some applications may still qualify.
A car title loan works by using your vehicle as collateral. Your car’s value is evaluated during the loan approval process. A lien is placed on the title, and you receive the funds. You keep driving your car while you make monthly payments. Once the loan is paid off, the lien is removed and your title is returned.
Having an existing auto loan does not automatically disqualify you in Modesto. If your car’s market value is considerably higher than your remaining balance, there may be enough equity to qualify. For example, if your car is worth $15,000 and you owe $,000, that gap may be sufficient. Get a free estimate to find out.
Most pre-approvals take about 30 minutes. Funding may be available the same day if completed before 2 PM⁸.
Yes. You keep and drive your car throughout the entire loan term.
In many cases, a full in-person inspection is not required. You can submit your vehicle information and photos online for an initial estimate. Funds can always be arranged without leaving home.
The main differences come down to speed, eligibility, and cost:
Bank loans: require good credit, longer process, lower rates
Title loans: faster funding, no credit requirement, higher rates, vehicle at risk if unpaid
For borrowers in Modesto who need money quickly and do not qualify for traditional financing, a title loan fills that gap. It is worth understanding the cost and risk before deciding.
