Title Loan Activity in the 95127 Area
14
Loans Funded
$5,360
Average Loan Amount
2017
Average Vehicle Year
Recent Loans Near 3136 Story Rd Suite 2
| Year | Make | Model | Miles | Funded Amount |
|---|---|---|---|---|
| 2017 | Mercedes-Benz | C-Class | 105,000 | $5,015 |
| 2016 | Chevrolet | Colorado | 123,000 | $8,269 |
| 2017 | Jeep | Grand Cherokee | 118,122 | $6,015 |
| 2017 | Toyota | RAV4 | 115,000 | $10,076 |
| 2019 | Honda | Pilot | 133,000 | $2,525 |
Actual loan amounts vary based on vehicle condition, mileage, and state regulations.
Most Common Vehicles
Toyota ($5,179 avg), Chevrolet ($6,703 avg), Mercedes-Benz ($4,015 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 San Jose
Yes. The average vehicle year among borrowers in the 95127 area is 2017. A 2007 Mercedes-Benz S Class with 107,300 miles recently qualified for $3,015 near San Jose. Your vehicle’s condition and value matter more than its age.
The smallest recent title loan near 95127 was $2,525 for a 2019 Honda Pilot with 133,000 miles. Across 14 loans in this area, amounts start as low as $2,525. Your loan amount depends on your vehicle’s current market value.
Here is what you need to qualify in San Jose:
Vehicle title in your name
Valid government-issued photo ID
Proof of income (pay stubs, benefit letters, bank statements)
Proof of California address
Social Security number
Your credit history is not the deciding factor.
No, there is no penalty for paying off early. California law prohibits prepayment penalties on title loans. You can pay off your loan at any time and only pay interest for the time you actually hold it.
