Title Loan Data for San Bernardino, CA
$4,011
Average Loan Amount
$2,510–$12,373
Loan Range
2014
Average Vehicle Year
58
Loans Funded
Based on 58 loans in San Bernardino 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 San Bernardino, CA
Actual loan amounts vary based on vehicle condition, mileage, and California regulations.
| Year | Make | Model | Miles | Funded Amount |
|---|---|---|---|---|
| 2013 | Jaguar | XF | 93,337 | $3,415 |
| 2012 | Toyota | Camry | 2,000,000 | $2,525 |
| 2018 | Chrysler | 300 | 100,000 | $3,025 |
| 2018 | Chevrolet | Silverado 1500 | 146,000 | $4,015 |
| 2011 | Toyota | Corolla | 175,000 | $3,215 |
| 2018 | Nissan | Frontier | 120,000 | $5,015 |
| 2018 | Kia | Optima | 100,000 | $2,552 |
| 2006 | Lexus | LS 430 | 100,000 | $4,751 |
| 2018 | Toyota | RAV4 | 85,000 | $12,373 |
| 2012 | Hyundai | Santa Fe | 160,000 | $3,227 |
Average Title Loan by Most Common Vehicles in San Bernardino, CA
| Vehicle Make | Avg. Vehicle Value | Avg. Loan Amount | Borrowers |
|---|---|---|---|
| Toyota | $8,419 | $4,262 | 12 |
| Chevrolet | $6,584 | $3,813 | 8 |
| Nissan | $6,300 | $3,241 | 5 |
| Honda | $10,600 | $4,328 | 4 |
| Kia | $6,331 | $2,793 | 4 |
Based on 58 loans in San Bernardino 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? San Bernardino by the Numbers
What San Bernardino Borrowers Used Their Loan For
| # | Top Use |
|---|---|
| 1 | Electric and Water Utilities |
| 2 | Emergency Medical Bills |
| 3 | Gas and Transportation Costs |
Based on 58 borrowers in San Bernardino from 2024–2025.
Unemployment Rate in San Bernardino, California
6.1% of San Bernardino 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 San Bernardino, California
The median household income in San Bernardino is $67,415. About 18.6% 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 San Bernardino, CA Residents
No, you do not have to visit a store. The entire title loan application process can be completed online in San Bernardino. Submit your vehicle details, upload your documents, and receive a decision – all from your phone or computer.
You will need a valid title in your name to complete a title loan. If yours is lost, you can request a duplicate from the California DMV using Form REG 227. You may be able to start the pre-approval process while you wait.
No, a low credit score will not automatically disqualify you in San Bernardino. Because the loan is secured by your vehicle, approval is based on what your car is worth and whether you have income to support repayments. Credit history is a minor factor.
To qualify for a car title loan in San Bernardino, have these ready:
Your vehicle title (paid off or with some equity remaining)
A valid government-issued photo ID
Proof of income in any form
Proof of California residency
Your Social Security number
Get a free estimate online to see what your vehicle qualifies for.
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.
Many vehicle types may qualify for a title loan in San Bernardino:
Cars, trucks, vans, and SUVs
Motorcycles
RVs and motorhomes
ATVs and powersports vehicles
Commercial trucks (case by case)
