Title Loan Data for Santa Fe Springs, CA
$5,356
Average Loan Amount
$3,315–$9,395
Loan Range
2016
Average Vehicle Year
5
Loans Funded
Based on 5 loans in Santa Fe Springs 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 Santa Fe Springs, CA
Actual loan amounts vary based on vehicle condition, mileage, and California regulations.
| Year | Make | Model | Miles | Funded Amount |
|---|---|---|---|---|
| 2013 | Toyota | Corolla | 178,000 | $3,315 |
| 2020 | Mazda | CX-5 | 54,000 | $5,042 |
| 2015 | Ford | Edge | 139,000 | $5,015 |
| 2018 | Kia | Sorento | 980,000 | $9,395 |
| 2015 | Toyota | Corolla | 50,000 | $4,015 |
| 2013 | Toyota | 4Runner | 69,000 | $6,560 |
Average Title Loan by Most Common Vehicles in Santa Fe Springs, CA
| Vehicle Make | Avg. Vehicle Value | Avg. Loan Amount | Borrowers |
|---|---|---|---|
| Toyota | $6,775 | $3,665 | 2 |
| Ford | $3,425 | $5,015 | 1 |
| Kia | $6,000 | $9,395 | 1 |
| Mazda | $17,475 | $5,042 | 1 |
Based on 5 loans in Santa Fe Springs 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? Santa Fe Springs by the Numbers
What Santa Fe Springs Borrowers Used Their Loan For
| # | Top Use |
|---|---|
| 1 | Electric and Water Utilities |
| 2 | Emergency Medical Bills |
| 3 | Gas and Transportation Costs |
Based on 5 borrowers in Santa Fe Springs from 2024–2025.
Unemployment Rate in Santa Fe Springs, California
4.3% of Santa Fe Springs 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 Santa Fe Springs, California
The median household income in Santa Fe Springs is $88,238. About 13.0% 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 to 22780)
See all California title loan rules and consumer protections on our California title loans page.
Title Loan Questions for Santa Fe Springs, CA Residents
As a resident of Santa Fe Springs, 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 Santa Fe Springs:
• A late fee of 0 to 5 may be charged (one fee per missed payment)
• Repossession of your vehicle is permitted without prior warning
• You will be notified before any sale and can reclaim the vehicle by settling the balance
With a title loan from 5 Star Car Title Loans in Santa Fe Springs, your car stays in your possession. The lender holds a lien on the title, but you drive it as you normally would. Your vehicle is only at risk if payments stop.
Title loans typically offer 25% to 50% of your vehicle’s value. Most borrowers in Santa Fe Springs receive between $2,500 and $10,000, depending on vehicle value and income. Loans above $10,000 are not subject to a state rate cap and can be significantly more expensive.
In Santa Fe Springs, CA, your car can be repossessed once you default. You must be notified before the vehicle is sold. You can get the car back by paying what you owe plus any recovery costs.
Title loan lenders in Santa Fe Springs consider all forms of income, not just paycheck employment. If you receive regular income from:
Government benefits (Social Security, disability, unemployment)
Retirement or pension payments
Gig work or self-employment
Other documented sources
Yes. Mileage and condition are two of the main factors used to estimate your vehicle’s value in Santa Fe Springs. Lower mileage and better condition mean a higher value estimate, which may allow you to borrow more. Get a free estimate online to see what your vehicle qualifies for.
