Title Loan Data for Fontana, CA
$5,146
Average Loan Amount
$2,510–$17,000
Loan Range
2015
Average Vehicle Year
72
Loans Funded
Based on 72 loans in Fontana 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 Fontana, CA
Actual loan amounts vary based on vehicle condition, mileage, and California regulations.
| Year | Make | Model | Miles | Funded Amount |
|---|---|---|---|---|
| 2012 | Mercedes-Benz | M Class | 209,000 | $3,605 |
| 2014 | Chevrolet | Silverado 1500 | 89,000 | $7,015 |
| 2018 | Toyota | RAV4 | 70,000 | $14,915 |
| 2020 | Tesla | Model 3 | 73,000 | $9,515 |
| 2014 | Freightliner | Cascadia-Series | 728,000 | $5,015 |
| 2023 | Honda | HR-V | 3,000 | $10,015 |
| 2016 | Jeep | Grand Cherokee | 116,000 | $5,760 |
| 2021 | Toyota | Camry | 100,000 | $5,360 |
| 2008 | Cadillac | Escalade | 180,000 | $5,645 |
| 2018 | Toyota | Camry | 48,000 | $9,488 |
Average Title Loan by Most Common Vehicles in Fontana, CA
| Vehicle Make | Avg. Vehicle Value | Avg. Loan Amount | Borrowers |
|---|---|---|---|
| Toyota | $12,457 | $5,290 | 15 |
| Honda | $10,181 | $5,723 | 9 |
| Chevrolet | $9,806 | $5,016 | 9 |
| Kia | $8,055 | $5,256 | 5 |
| Ford | $7,981 | $3,893 | 4 |
Based on 72 loans in Fontana 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? Fontana by the Numbers
What Fontana Borrowers Used Their Loan For
| # | Top Use |
|---|---|
| 1 | Electric and Water Utilities |
| 2 | Emergency Medical Bills |
| 3 | Gas and Transportation Costs |
Based on 72 borrowers in Fontana from 2024–2025.
Unemployment Rate in Fontana, California
6.5% of Fontana 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 Fontana, California
The median household income in Fontana is $102,821. About 9.9% 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 Fontana, CA Residents
Having an existing auto loan does not automatically disqualify you in Fontana. 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.
Traditional bank loans often require good credit, lengthy applications, and may take days or weeks to fund. A car title loan in Fontana is usually faster and uses your vehicle as collateral instead of relying on your credit score. This can make it an option for borrowers who need funds quickly or do not qualify for a bank loan. However, title loans typically come with higher interest rates, and if the loan is not repaid, the lender may repossess the vehicle.
Title loans are fully legal in California, including in Fontana. The state regulates them through the DFPI under the California Finance Lenders Law, which sets rate caps, prohibits rollover loans, limits late fees, and requires proper licensing. California provides stronger consumer protections for title loan borrowers than many other states.
Vehicles with a salvage or branded title may still qualify for a title loan in Fontana, depending on the vehicle’s value and condition. Because salvage titles generally lower a car’s market value, approval can vary. Apply online for a quick pre-approval to see your options.
Title loan applications in Fontana are typically declined when the vehicle has too little equity, there is no verifiable income, or the title is not in the applicant’s name. Poor credit alone is rarely the deciding factor, since the loan is secured by the vehicle.
