Title Loan Activity in the 92054 Area
9
Loans Funded
$3,601
Average Loan Amount
2011
Average Vehicle Year
Recent Loans Near 1106 S Coast Hwy A
| Year | Make | Model | Miles | Funded Amount |
|---|---|---|---|---|
| 2015 | Hyundai | Sonata | 87,963 | $2,525 |
| 2009 | Toyota | Camry | 132,000 | $4,015 |
| 2009 | INFINITI | G37 | 61,000 | $3,015 |
| 2013 | Nissan | Pathfinder | 169,053 | $2,747 |
| 2006 | Mercedes-Benz | S Class | 96,000 | $2,746 |
Actual loan amounts vary based on vehicle condition, mileage, and state regulations.
Most Common Vehicles
Mercedes-Benz ($4,031 avg), INFINITI ($3,015 avg), Hyundai ($2,525 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 Oceanside
Mercedes-Benz is the most common vehicle among title loan borrowers in the 92054 area, with 2 loans funded. The average loan amount for a Mercedes-Benz here is $4,031, with an average of 104,250 miles on the odometer.
Yes. The average vehicle year among borrowers in the 92054 area is 2011. A 2005 Jeep Wrangler with 130,000 miles recently qualified for $4,000 near Oceanside. Your vehicle’s condition and value matter more than its age.
We’re located in Oceanside, near MAAC – North Coast Center and Pilgrim Children’s Center, with Kids Care Spot Day Care & Preschool also nearby. Look for us at 1106 S Coast Hwy A.
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.
Title loans are a higher-cost form of borrowing. Here is how they compare:
Loan Type | Typical APR Range | Credit Required
Bank personal loan | 6% to 20% | Good to excellent
Credit card | 20% to 30% | Fair to good
Car title loan (CA) | ~36% to 39.6% (capped) | Not required
If a lower-rate option is available to you, compare it carefully before choosing a title loan.
