Title Loan Activity in the 93635 Area
24
Loans Funded
$4,542
Average Loan Amount
2015
Average Vehicle Year
Recent Loans Near 317 Mercey Springs RD
| Year | Make | Model | Miles | Funded Amount |
|---|---|---|---|---|
| 2003 | GMC | Sierra 2500 | 139,000 | $3,915 |
| 2013 | Ford | F150 | 147,000 | $4,515 |
| 2020 | Freightliner | Cascadia-Series | 885,041 | $9,160 |
| 2016 | Toyota | Corolla | 124,000 | $3,015 |
| 2017 | Mercedes-Benz | GLC | 132,000 | $7,015 |
Actual loan amounts vary based on vehicle condition, mileage, and state regulations.
Most Common Vehicles
Ford ($4,590 avg), GMC ($3,862 avg), Nissan ($3,426 avg)
Know Before You Borrow 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)
For complete California title loan regulations and consumer protections, visit our full California guide.
Quick Answers About Title Loans in Los Banos
Ford is the most common vehicle among title loan borrowers in the 93635 area, with 5 loans funded. The average loan amount for a Ford here is $4,590, with an average of 132,460 miles on the odometer.
Yes. The average vehicle year among borrowers in the 93635 area is 2015. A 2003 GMC Sierra 2500 with 139,000 miles recently qualified for $3,915 near Los Banos. Your vehicle’s condition and value matter more than its age.
We’re located in Los Banos, near St John’s Lutheran Church & Preschool and Yellow Brick Road Christian School And Daycare, with Donna Mendes’ Positive Changes also nearby. Look for us at 317 Mercey Springs RD.
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.
Income verification is a standard part of the title loan process in Los Banos, but it does not require a paycheck. The goal is simply to show you can make monthly payments. Accepted alternatives include:
Bank statements showing regular deposits
Social Security or disability award letters
Pension or retirement statements
Tax returns for self-employed applicants
