Title Loan Statistics in Oxnard, CA
$4,338
Average Title Loan in Oxnard
$7,848
Average Vehicle Value
15
Loans Funded in 2025
55.3%
Average Loan-to-Value
Based on 15 title loans funded in 2025
Most Common Vehicles for Title Loans in Oxnard, CA
| Vehicle Make | Avg. Year | Avg. Mileage | # of Loans |
|---|---|---|---|
| Nissan | 2017 | 108,168 mi | 5 |
| Chevrolet | 2017 | 115,383 mi | 2 |
| Ford | 2012 | 190,000 mi | 1 |
| Hyundai | 2017 | 86,000 mi | 1 |
| Kia | 2023 | 84,000 mi | 1 |
Recent Title Loans Funded in Oxnard, CA
The table below shows actual title loans funded in Oxnard, CA. Amounts vary based on each vehicle’s make, model, year, and condition.
| Year | Make | Model | Miles | Funded Amount |
|---|---|---|---|---|
| 2015 | Nissan | Altima | 154,838 | $3,155 |
| 2017 | Nissan | Altima | 75,000 | $3,898 |
| 2020 | Nissan | Sentra | 63,000 | $3,483 |
| 2016 | Scion | iM | 161,000 | $5,236 |
| 2019 | Audi | A4 | 108,000 | $3,605 |
| 2023 | Kia | K5 | 84,000 | $4,515 |
| 2017 | Nissan | Sentra | 120,000 | $2,598 |
Frequently Asked Questions About Title Loans in Oxnard, CA
Seasonal and variable income from the Oxnard Plain’s farms and packing houses, the produce and logistics operations around the Port of Hueneme, and similar work all count toward the ability-to-repay review a California title loan requires. The documentation just needs to show a realistic monthly figure across the year. Bring 60 to 90 days of pay stubs, recent bank statements confirming deposits, and prior-year tax forms so we can see both peak-season and slower-season earnings.
Because farm and packing work swings with the harvest, size the loan to a normal month rather than your busiest stretch – a California title loan is a fixed-payment installment loan of at least 12 months, so the monthly payment has to be sustainable through the off-season. Confirm the approved amount, APR, payment schedule, and total cost in writing, and make sure the payment still fits after your regular expenses.
Yes. Montana Capital offers service in Spanish, including a Spanish site at montanacapital.com/es, which matters in a community as heavily Spanish-speaking as Oxnard. California adds a real protection here: if the loan is negotiated primarily in Spanish, you are generally entitled to receive the contract in that language, so you can review the terms in the language you actually negotiated in.
What matters most is that you fully understand the agreement before signing. We disclose the loan amount, APR, finance charge, payment schedule, and total cost, and you should confirm each of those in the language you are most comfortable with. If it helps, bring a trusted bilingual family member, and take the time to read the terms rather than rushing a same-day signing.
It matters a great deal in California, because the interest-rate protection depends on the loan size. For a title loan from $2,500 up to $9,999 made under the California Financing Law, the rate is capped at 36% plus the federal funds rate. For a loan of $10,000 or more, California sets no rate cap at all – the lender can charge much more.
That creates a real risk: a borrower can be steered toward borrowing $10,000 or more specifically to escape the rate cap, even when a smaller loan would meet their needs. If your vehicle could support a larger amount, think carefully about whether you actually need to cross that line, and borrow the smallest amount that solves the problem. Either way, confirm the lender is licensed by the Department of Financial Protection and Innovation before you sign – you can verify a license through the DFPI.
