- Choose a loan amount
- Fill in loan term
(1-36 months) - Fill in interest rates
| Payment Date | Payment | Principal | Interest | Total Interest | Balance |
|---|---|---|---|---|---|
| Nov 2025 | $510.37 | $491.62 | $18.75 | $18.75 | $4,508.38 |
| Dec 2025 | $510.37 | $493.46 | $16.91 | $35.66 | $4,014.92 |
| Jan 2026 | $510.37 | $495.31 | $15.06 | $50.71 | $3,519.60 |
| Feb 2026 | $510.37 | $497.17 | $13.20 | $63.91 | $3,022.43 |
| Mar 2026 | $510.37 | $499.04 | $11.33 | $75.24 | $2,523.39 |
| Apr 2026 | $510.37 | $500.91 | $9.46 | $84.71 | $2,022.49 |
| May 2026 | $510.37 | $502.79 | $7.58 | $92.29 | $1,519.70 |
| Jun 2026 | $510.37 | $504.67 | $5.70 | $97.99 | $1,015.03 |
| Jul 2026 | $510.37 | $506.56 | $3.81 | $101.80 | $508.46 |
| Aug 2026 | $510.37 | $508.46 | $1.91 | $103.70 | $0.00 |
The information generated by our “car title loan calculator” above is based only on details provided by you. The values generated are for informational purposes only and are not part of 5 Star Car Title Loans application process. The actual payments, rates, and terms may vary and are in no way guaranteed or offered as part of a loan. All the calculations assume payments are made in full and on time.
Using a Car Title Loan Calculator for Title Loan Estimate
Do you need a title loan but want to know the approximate terms of the loan before you get started?
Our simple to use online car title loan calculator allows you to get an estimate of how much a title loan will cost you. It provides you with an approximation of the monthly payments as well as total costs of interest.
Knowing these details will help you manage your finances better and make a wise decision in regards to your title loan. You can use the car title loan calculator anytime, even if you don’t choose to apply for a title loan.
How to Use a Title Loan Calculator
The best thing about an online auto title loans calculator is how easy it is to use! It allows customers to conveniently learn about their financial options before starting any loan application. Using the car title loan calculator only requires a few basic details:
Loan Amount
This is where you want to think how much money you really need. We recommend only borrowing what is truly necessary and not the highest amount due to the fact that you will accrue interest rates that can be costly.
Loan Term Months
Plan ahead and check what works with your income and expenses. Keep in mind that most title loans run between 24-48 months but there is some flexibility on this. You will notice that changing the length of the loan affects the monthly payments directly.
Interest Rate
This section lets you see how the yearly interest rate affects the monthly payments and of course the total interest paid on the loan.
The results presented in the title loan calculator are meant to help you make an informed decision about a loan. There is absolutely no limit on the number of times you can use our simple loan calculator so feel free to play around with the details and get a sense of what a loan can potentially look like. You can use it to compare rates and terms offered by different lenders or just for learning purposes so you can better understand how title loans work.
How a Title Loan Calculator Can be Useful for You
Getting as much information as you can before applying for a title loan is important and there are many advantages to using an auto title loans calculator. Here are some of the clear cut benefits:
It Is Quick And Free
Our online title loan estimate calculator is really quick, you just need to fill out a few basic details and there’s your estimate! It’s completely free to use too so you can test it out and get as many estimates as you need.
Easy Comparison
Instead of working hard to compare the offers given to you by different lenders, simply enter the terms you were given and see which offer works best for you.
Optimize Your Loan
With our simple calculator and easy to understand presentation you can easily see what loan will be optimal for you. If you have any worries that you can’t afford the loan talk to your lender and see if there is any flexibility with the offer.
A title loan calculator can save you time and money in your loan process and is another tool provided by 5 Star Car Title Loans in order to help our customers make the most informed decisions possible.
Explaining Important Title Loan Calculator Terms
Before using a title loan payment calculator, it is important to understand a few basic terms that have to do with title loans. This will help make sure you know what you are looking at and have a clear picture of how your loan can possibly look like should you choose to apply.
Loan Amount
When we are talking about the loan amount we are referring to your total loan and that includes any fees that go along with it. For example, most title loans have a $15 fee which is charged by the DMV in order to add the lien holder on the title. Many lenders charge an administrative fee for processing the loan. The loan amount includes these fees already.
Loan Term Months
This is fairly straightforward. The loan term months are how long your loan will be for. It is common for car title loans to run anywhere between 24-48 months but this can vary by company and state. Make sure your chosen lender doesn’t have a prepayment fee, that way you can pay off the loan in full earlier than the original length without paying anything extra.
Interest Rate
You probably already know what interest rate is but when it comes to loans it can be a bit confusing. Some companies talk about monthly interest whereas others discuss yearly interest, known as APR. The higher the interest, the more you will pay for borrowing your loan.
The above are the main things you need to understand before using a car title loan calculator. We understand that loans can be confusing so feel free to give us a call or use the many resources we have on our website to make sure you understand it all!
Example: Car Title Loan Estimate
Suppose your car is valued at $15,000. Based on your income, you might qualify for a $7,500 loan.
- With a 36-month term at 85% APR, your estimated monthly payment would be about $565.
- Paying off early saves on interest.
- Missing payments may add fees and risk repossession of your vehicle.
This shows why it’s important to calculate first — so you know what to expect before applying.
Title Loan Scenarios for Different Vehicles
Our calculator works for more than cars. You can also estimate loans for:
- Motorcycles – Smaller loans, usually $1,000–$5,000, with shorter terms.
- Trucks – Higher loan amounts, since trucks often hold greater value.
- RVs – Larger collateral may allow higher loans with longer repayment terms.
- Boats – Available in some states; terms depend on local regulations.
Whatever the vehicle, the principle is the same: the more equity and stronger your proof of income, the more you may qualify to borrow.
Risks of Title Loans
While title loans offer quick access to cash, they also carry risks:
- High interest rates compared to traditional loans.
- Vehicle repossession if you default.
- Additional fees for late or missed payments.
Borrow only what you need, and make sure repayment fits your budget.
Frequently Asked Questions
How Much Can I Borrow?
Loan amounts typically range from $2,000 up to $50,000, depending on your vehicle’s value, condition, and proof of income.
How Accurate Is the Calculator?
It provides estimates only. Your actual loan offer depends on state laws, lender policies, and your financial situation.
Does Using the Calculator Affect My Credit?
No. This tool is free to use and does not impact your credit score.
Can I Qualify With a Bad Credit Score?
Yes. Title loans rely more on your vehicle’s equity and ability to repay than on your credit history.
What to Know About Title Loans
Loan calculators provide guidance, not guarantees. Rates, fees, and terms vary by state and lender. Always review your loan agreement carefully before signing.
For more information, see the FTC’s guide on payday and car title loans.
Need More Information on How Title Loans Work?
We hope that this article helped you gain a more thorough understanding of how car title loans estimate using an online calculator can help you make an informed financial choice. If you are looking to learn more on how car title loans work and what is required in order to obtain one, please give us a call today.
If you wish to get started on your application simply fill out our online inquiry which only takes a few minutes to complete. Our loan agents are waiting by to help you with any question or concern.
Get back on the right track with a car title loan today!
The results shown in the car title loan calculator are meant to help you make an informed financial decision. You can use the calculator as many times as you’d like — adjust the numbers, try different terms, and get a clear picture of how your monthly payments and total costs might look. It’s also a great way to compare potential offers from different lenders or simply learn how title loan terms work.
How a Title Loan Calculator Can Help
Getting as much information as possible before applying is important. Here are some key advantages:
- Quick and Free – Enter a few details and instantly see your estimate. The tool is completely free and available 24/7.
- Easy Comparison – Test offers from different lenders by plugging their terms into the calculator and see which one works best for you.
- Optimize Your Loan – Adjust loan amounts and terms to find a repayment schedule that fits your budget. If it looks unaffordable, you’ll know to ask about different options before committing.
Using the calculator can save you time and money, giving you confidence in your next steps. It’s another way 5 Star Car Title Loans helps our customers make informed choices.
Key Loan Terms Explained
Before using the calculator, it’s important to understand a few common loan terms:
- Loan Amount – The total you borrow, including any fees such as DMV lien fees or administrative processing fees.
- Loan Term (Months) – The length of your repayment period. Most title loans run 24–48 months, but this may vary by lender and state. Check if your lender allows early repayment without penalty.
- APR (Annual Percentage Rate) – The yearly cost of borrowing, including fees and interest. A higher APR means higher total repayment. Some lenders list monthly interest instead of APR, so it’s important to clarify.
These basics will help you read and understand your calculator results with confidence.
Need More Information on How Title Loans Work?
We hope this guide helps you understand how a car title loan estimate works and how to use the calculator to plan responsibly. If you’d like to learn more about requirements, eligibility, or repayment options, give us a call today.
If you’re ready to take the next step, simply fill out our online inquiry form — it only takes a few minutes. Our loan agents are here to answer questions and guide you through the process.
Get back on the right track with a car title loan today!
Written by
Bryan Solis
Bryan Solis brings over a decade of expertise in the lending industry, specializing in auto finance, personal loans, and car title loans, with experience in both prime and subprime lending. Leveraging his academic foundation in Business Administration, he has played a role in in the growth of start-ups as well as driving sustained success in established organizations. Currently serving as Head of Sales at 5 Star Loans, he has demonstrated exceptional skills in operational leadership and client relationship management, contributing to the company’s success.
