Title Loan Activity in the 95404 Area
10
Loans Funded
$7,224
Average Loan Amount
2014
Average Vehicle Year
Recent Loans Near 716 College Ave. Suite A-1
| Year | Make | Model | Miles | Funded Amount |
|---|---|---|---|---|
| 2017 | Toyota | Corolla | 132,000 | $3,687 |
| 2008 | Toyota | Camry | 130,000 | $2,525 |
| 2012 | Toyota | RAV4 | 140,000 | $7,215 |
| 2018 | Lexus | IS 300 | 73,000 | $4,012 |
| 2013 | Mercedes-Benz | C Class | 105,933 | $5,269 |
Actual loan amounts vary based on vehicle condition, mileage, and state regulations.
Most Common Vehicles
Toyota ($4,476 avg), Chevrolet ($10,266 avg), GMC ($14,989 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 Santa Rosa
Yes. Vehicles with high mileage regularly qualify. Near 95404, a 2009 Chevrolet Silverado 1500 with 150,000 miles on it was approved for $4,015. The average mileage among borrowers in this area is 115,991 miles.
Yes. Trucks and SUVs often qualify for higher loan amounts due to their value. Near 95404, a 2019 Chevrolet Silverado 2500 with 106,869 miles was approved for $16,518. Bring your truck or SUV title to get a free estimate.
A car title loan uses your vehicle as collateral rather than relying mainly on your credit score. The process typically works as follows:
2. Provide proof of income and basic documents
3. Your vehicle is evaluated to determine its value
4. If approved, a lien is placed on your title and funds are issued
5. You repay the loan over a set term (12 to 60 months in California)
6. Once paid in full, the lien is released and your title is returned
In California, the process is regulated by the Department of Financial Protection and Innovation under the California Finance Lenders Law.
No, a low credit score will not automatically disqualify you in Santa Rosa. 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.
