Title Loan Data for Northridge, CA
$5,090
Average Loan Amount
$500–$46,534
Loan Range
2015
Average Vehicle Year
7,471
Loans Funded
Based on 7,471 loans in Northridge 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 Northridge, CA
Actual loan amounts vary based on vehicle condition, mileage, and California regulations.
| Year | Make | Model | Miles | Funded Amount |
|---|---|---|---|---|
| 2019 | Hyundai | Kona | 122,306 | $4,925 |
| 2021 | Tesla | Model 3 | 96,500 | $3,591 |
| 2012 | Mercedes-Benz | M Class | 209,000 | $3,605 |
| 2018 | Nissan | Rogue Sport | 65,000 | $7,334 |
| 2012 | Ford | Mustang | 96,980 | $6,315 |
| 2017 | Honda | Civic | 152,842 | $2,525 |
| 2019 | Toyota | Tacoma | 100,000 | $5,143 |
| 2018 | Nissan | Maxima | 125,000 | $4,543 |
| 2019 | Honda | Accord | 160,000 | $8,895 |
| 2019 | Toyota | Highlander | 138,000 | $4,320 |
Average Title Loan by Most Common Vehicles in Northridge, CA
| Vehicle Make | Avg. Vehicle Value | Avg. Loan Amount | Borrowers |
|---|---|---|---|
| Toyota | $11,346 | $5,177 | 1351 |
| Honda | $10,883 | $4,864 | 871 |
| Chevrolet | $11,218 | $5,145 | 787 |
| Ford | $10,293 | $5,236 | 676 |
| Nissan | $7,990 | $4,188 | 476 |
Based on 7,471 loans in Northridge from 2024 to 2025. Actual loan amounts vary based on your vehicle’s condition, mileage, your ability to repay the loan, and California regulations.
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 Northridge, CA Residents
No, you do not have to visit a store. The entire title loan application process can be completed online in Northridge. Submit your vehicle details, upload your documents, and receive a decision – all from your phone or computer.
You can replace a lost car title through the California DMV by filing Form REG 227 (Application for Duplicate Title). There is a small fee and processing typically takes a few weeks. Once the duplicate title is issued in your name, you can use it to apply for a title loan in Northridge.
No, you do not need good credit. Title loan approval in Northridge is based mainly on your vehicle’s value and your ability to repay – not your credit score. Many applicants with low or damaged credit still qualify.
To apply for a car title loan in Northridge, you will need:
• Your car title in your name (paid off or with a small remaining balance)
• A government-issued photo ID
• Proof of income
• Proof of California residency
• Your Social Security number
Good credit is not required. The main approval factors are your vehicle’s value and your ability to repay.
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.
Yes, 5 Star Car Title Loans accepts vehicles other than standard cars in Northridge. Eligible vehicle types include:
Trucks, vans, and SUVs
Motorcycles
RVs and motorhomes
ATVs
Commercial trucks (case by case)
