Title Loan Data for Oxnard, CA
$4,336
Average Loan Amount
$2,525–$12,693
Loan Range
2017
Average Vehicle Year
18
Loans Funded
Based on 18 loans in Oxnard 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 Oxnard, CA
Actual loan amounts vary based on vehicle condition, mileage, and California regulations.
| Year | Make | Model | Miles | Funded Amount |
|---|---|---|---|---|
| 2017 | Nissan | Sentra | 120,000 | $2,598 |
| 2017 | Nissan | Altima | 75,000 | $3,898 |
| 2020 | Nissan | Sentra | 63,000 | $3,483 |
| 2023 | Kia | K5 | 84,000 | $4,515 |
| 2012 | Ford | E150 Vans | 190,000 | $5,015 |
| 2015 | Mazda | Mazda3 | 165,123 | $2,777 |
| 2017 | Chevrolet | Suburban | 120,000 | $12,693 |
| 2017 | Nissan | Rogue | 128,000 | $2,525 |
| 2016 | Scion | iM | 161,000 | $5,236 |
| 2022 | Mitsubishi | Outlander | 60,250 | $3,515 |
Average Title Loan by Most Common Vehicles in Oxnard, CA
| Vehicle Make | Avg. Vehicle Value | Avg. Loan Amount | Borrowers |
|---|---|---|---|
| Nissan | $5,863 | $3,265 | 4 |
| Chevrolet | $8,900 | $7,731 | 2 |
| Mazda | $7,300 | $2,896 | 2 |
| Ford | $3,250 | $5,015 | 1 |
| Ducati | $9,425 | $4,042 | 1 |
Based on 18 loans in Oxnard 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? Oxnard by the Numbers
What Oxnard Borrowers Used Their Loan For
| # | Top Use |
|---|---|
| 1 | Electric and Water Utilities |
| 2 | Emergency Medical Bills |
| 3 | Gas and Transportation Costs |
Based on 18 borrowers in Oxnard from 2024–2025.
Unemployment Rate in Oxnard, California
6.5% of Oxnard 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 Oxnard, California
The median household income in Oxnard is $96,212. About 11.0% 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 §22000–22780)
See all California title loan rules and consumer protections on our California title loans page.
Title Loan Questions for Oxnard, CA Residents
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 Oxnard. Eligible vehicle types include:
Trucks, vans, and SUVs
Motorcycles
RVs and motorhomes
ATVs
Commercial trucks (case by case)
A past bankruptcy does not automatically prevent you from qualifying. Title loans are secured by your vehicle rather than your credit history, so the key factors are your car’s current value and your income. If your bankruptcy is discharged and you have a qualifying vehicle, you may still be eligible.
As a resident of Oxnard, CA, you can verify your car title status through the California DMV. Check your physical title to see if a lienholder is listed, or request a vehicle title record from the DMV. You may also confirm the status through the California DMV’s online vehicle records services.
Yes. The age of your car can affect eligibility because the vehicle’s current market value is considered. Many older vehicles may still qualify, but the loan amount will depend on the car’s condition, mileage, and overall value.
Under California law, if you miss a payment on your title loan in Oxnard:
A late fee of 0 to 5 may be charged (one fee per missed payment)
The lender may repossess your vehicle without advance warning
You will be notified before any sale and can reclaim the car by paying the balance owed
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.
