Title Loan Data for Moreno Valley, CA
$5,199
Average Loan Amount
$2,525–$20,015
Loan Range
2014
Average Vehicle Year
63
Loans Funded
Based on 63 loans in Moreno Valley 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 Moreno Valley, CA
Actual loan amounts vary based on vehicle condition, mileage, and California regulations.
| Year | Make | Model | Miles | Funded Amount |
|---|---|---|---|---|
| 2012 | Ford | F150 | 288,832 | $2,525 |
| 2023 | Toyota | Camry | 38,000 | $13,015 |
| 2017 | Toyota | Tacoma | 126,000 | $5,468 |
| 2017 | Ford | F250SD | 188,000 | $5,015 |
| 2014 | Toyota | Highlander | 72,000 | $2,525 |
| 2015 | Freightliner | Cascadia-Series | 620,000 | $5,015 |
| 2018 | Honda | Accord | 118,000 | $4,015 |
| 2015 | Volkswagen | Passat | 137,126 | $2,821 |
| 2019 | Ford | Fusion | 95,000 | $7,015 |
| 2014 | Jeep | Grand Cherokee | 89,000 | $7,015 |
Average Title Loan by Most Common Vehicles in Moreno Valley, CA
| Vehicle Make | Avg. Vehicle Value | Avg. Loan Amount | Borrowers |
|---|---|---|---|
| Toyota | $10,231 | $5,849 | 12 |
| Honda | $8,995 | $4,531 | 10 |
| Chevrolet | $11,293 | $6,343 | 10 |
| GMC | $5,205 | $4,652 | 5 |
| Ford | $5,331 | $3,992 | 4 |
Based on 63 loans in Moreno Valley 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? Moreno Valley by the Numbers
What Moreno Valley Borrowers Used Their Loan For
| # | Top Use |
|---|---|
| 1 | Electric and Water Utilities |
| 2 | Emergency Medical Bills |
| 3 | Gas and Transportation Costs |
Based on 63 borrowers in Moreno Valley from 2024–2025.
Unemployment Rate in Moreno Valley, California
7.1% of Moreno Valley 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 Moreno Valley, California
The median household income in Moreno Valley is $93,222. About 11.7% 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 Moreno Valley, CA Residents
No credit check is required for pre-approval or a free estimate. Approval is based primarily on your vehicle’s value and your ability to repay.
Yes, you can apply without a paycheck. You still need to show some form of income to verify you can repay. Accepted alternatives include:
Social Security or disability letters
Pension or retirement statements
Bank statements showing regular deposits
Self-employment records or tax returns
Yes, title loan rates in Moreno Valley are regulated by the California DFPI under the California Finance Lenders Law. The rate cap for loans between $2,500 and $10,000 is 36% APR plus the Federal Funds Rate – currently around 39.6% APR total.
Loan Amount | Term | Monthly Payment | Total Repaid
$3,000 | 24 mo | ~$177 | ~$4,252
$5,000 | 24 mo | ~$295 | ~$7,087
$9,999 | 24 mo | ~$590 | ~$14,170
Actual APR, payments, and loan terms may vary.
Yes, title loan interest rates are typically higher than personal loans or credit cards for borrowers with good credit. California caps rates at approximately 39.6% APR for loans between $2,500 and $10,000. Title loans trade lower cost for faster access and no credit requirement.
The maximum title loan amount in Moreno Valley 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 Moreno Valley, 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 Moreno Valley. 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.
