Title Loan Activity in the 95358 Area
17
Loans Funded
$3,939
Average Loan Amount
2013
Average Vehicle Year
Recent Loans Near 1511 Crows Landing Rd
| Year | Make | Model | Miles | Funded Amount |
|---|---|---|---|---|
| 2018 | Harley-Davidson | FLHR Road King | 109,080 | $3,015 |
| 2017 | GMC | Acadia | 16,000 | $2,525 |
| 2010 | Toyota | Venza | 160,000 | $4,015 |
| 2003 | Chevrolet | Silverado 2500 | 220,000 | $3,015 |
| 2010 | Toyota | Venza | 157,000 | $3,015 |
Actual loan amounts vary based on vehicle condition, mileage, and state regulations.
Most Common Vehicles
Chevrolet ($4,174 avg), Toyota ($4,739 avg), Harley-Davidson ($3,529 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 Modesto
Yes. The average vehicle year among borrowers in the 95358 area is 2013. A 2002 Chevrolet Silverado 2500 with 200,000 miles recently qualified for $3,555 near Modesto. Your vehicle’s condition and value matter more than its age.
The smallest recent title loan near 95358 was $2,525 for a 2015 Nissan Altima with 90,000 miles. Across 17 loans in this area, amounts start as low as $2,525. Your loan amount depends on your vehicle’s current market value.
Several factors affect how much you can borrow in Modesto:
Year, make, and model
Current mileage
Overall vehicle condition
Accident or damage history
A well-maintained vehicle in good condition will generally support a higher loan amount. Get a free estimate online to see what your car qualifies for.
Car title loans and bank loans differ in a few key ways:
Feature | Bank Loan | Title Loan
Credit required | Good credit needed | Not required
Funding speed | Days to weeks | Often same day
Interest rate | Lower | Higher
Collateral | Varies | Your vehicle title
Risk | Credit impact | Vehicle repossession if unpaid
Title loans offer faster access and no credit requirement, but at a higher cost.
