Car Title Loan Calculator
Enter your vehicle information and state to see an estimated title loan amount you may qualify for.
The estimate is based on funded title loans for similar vehicles and the loan limits in your state.
Where the estimate comes from: recent vehicle values and funded loan amounts for similar vehicles in your state, adjusted to stay within its legal limits.
This estimate is not a loan offer or an approval.
How Our Title Loan Calculator Works
After you enter your vehicle type, year, make, model, mileage and state, the calculator compares your personal vehicle with funded loans for similar vehicles in your state.
It then shows the loan amount range similar borrowers received, kept within your state’s law.
If there is not enough data on vehicles like yours, the calculator shows the message “Your vehicle needs a closer look.” You can then check a different vehicle you own, or apply for a free estimate.
When you apply, we check your vehicle’s exact value along with your personal income source and get back to you with a pre-qualified offer.
We update the calculator data as new loans are funded, and we review state law limits monthly.
The amount the calculator shows you is still an estimate. You can use it as many times as you like for free, and seeing your estimate does not involve a credit check.
Editorial Disclosure: 5 Star Car Title Loans™ is a licensed direct lender, NMLS ID 2253575. This page is for informational purposes only and is not financial advice. Your loan approval, amount, APR and terms depend on your state’s law, your car and your income.
Want to See What Your Monthly Payments Could Look Like?
Once you see your estimate, enter that amount below. Then pick how many months you want to repay and an interest rate, called APR, to see what your monthly loan payments could look like.
Our APRs go up to 150%, and never above the cap your state’s law sets. Terms run up to 60 months, and some states set shorter limits. See interest rates and limits by state.
What the payment calculator shows: your monthly payment, the total interest and a month-by-month payment schedule, called an amortization schedule, with your payoff date.
Where the numbers come from: standard loan math applied to the amount, term and APR you enter. It does not use your credit or any personal information.
| Payment Date | Payment | Principal | Interest | Total Interest | Balance |
|---|---|---|---|---|---|
| Nov 2026 | $295.24 | $145.24 | $150.00 | $150.00 | $4,854.76 |
| Dec 2026 | $295.24 | $149.59 | $145.64 | $295.64 | $4,705.17 |
| Jan 2027 | $295.24 | $154.08 | $141.16 | $436.80 | $4,551.09 |
| Feb 2027 | $295.24 | $158.70 | $136.53 | $573.33 | $4,392.38 |
| Mar 2027 | $295.24 | $163.47 | $131.77 | $705.10 | $4,228.92 |
| Apr 2027 | $295.24 | $168.37 | $126.87 | $831.97 | $4,060.55 |
| May 2027 | $295.24 | $173.42 | $121.82 | $953.79 | $3,887.13 |
| Jun 2027 | $295.24 | $178.62 | $116.61 | $1,070.40 | $3,708.50 |
| Jul 2027 | $295.24 | $183.98 | $111.26 | $1,181.65 | $3,524.52 |
| Aug 2027 | $295.24 | $189.50 | $105.74 | $1,287.39 | $3,335.02 |
| Sep 2027 | $295.24 | $195.19 | $100.05 | $1,387.44 | $3,139.83 |
| Oct 2027 | $295.24 | $201.04 | $94.19 | $1,481.64 | $2,938.79 |
| Nov 2027 | $295.24 | $207.07 | $88.16 | $1,569.80 | $2,731.72 |
| Dec 2027 | $295.24 | $213.29 | $81.95 | $1,651.75 | $2,518.43 |
| Jan 2028 | $295.24 | $219.68 | $75.55 | $1,727.30 | $2,298.75 |
| Feb 2028 | $295.24 | $226.27 | $68.96 | $1,796.27 | $2,072.47 |
| Mar 2028 | $295.24 | $233.06 | $62.17 | $1,858.44 | $1,839.41 |
| Apr 2028 | $295.24 | $240.05 | $55.18 | $1,913.62 | $1,599.36 |
| May 2028 | $295.24 | $247.26 | $47.98 | $1,961.60 | $1,352.10 |
| Jun 2028 | $295.24 | $254.67 | $40.56 | $2,002.17 | $1,097.43 |
| Jul 2028 | $295.24 | $262.31 | $32.92 | $2,035.09 | $835.11 |
| Aug 2028 | $295.24 | $270.18 | $25.05 | $2,060.14 | $564.93 |
| Sep 2028 | $295.24 | $278.29 | $16.95 | $2,077.09 | $286.64 |
| Oct 2028 | $295.24 | $286.64 | $8.60 | $2,085.69 | $0.00 |
This payment estimate is for illustration only and assumes every payment is made in full and on time. It is not a loan offer, and your payment depends on your loan agreement.
Example: A $6,000 Loan Over 12 Months
On a $6,000 loan at 36% APR over 12 months, your payment would be about $602.77 a month. You would pay $1,233.27 in interest over the life of the loan.
Checking a payment like this before you apply shows whether a loan fits your monthly budget.
| Detail | Example |
|---|---|
| Amount financed | $6,000 |
| APR | 36% |
| Term | 12 months |
| Monthly payment | $602.77 |
| Total interest | $1,233.27 |
| Total of payments | $7,233.27 |
| Payoff | 12 months after funding |
Each payment covers that month’s interest first, and the rest lowers your balance. Interest is highest in the first months, so extra payments early on save the most.
What Do You Need to Apply After Using the Calculator?
To apply, you need to be at least 18 and have a car title in your name. You also need to show you can afford the monthly payments.
After you pre-qualify, we ask for these documents:
- Your car title, in your name
- A driver’s license, state ID or passport
- Proof of income
- Proof of address
- Photos of your car, or the car in person
Some loans also need proof of full coverage insurance. We tell you after you pre-qualify if yours does. Our title loan requirements page explains each document.
How Much Are Title Loans on Cars Like Yours in Your State?
It depends most on your car and your state. Over the last two years, the typical amount financed, according to our data, ran from about $1,300 in Texas and Louisiana to about $4,500 in Ohio.
| State | Typical Amount Financed | Middle Half of Loans |
|---|---|---|
| California | $4,200 | $2,850 to $6,300 |
| Florida | $2,600 | $1,450 to $4,100 |
| Texas | $1,300 | $700 to $2,550 |
| Louisiana | $1,300 | $950 to $2,200 |
| Ohio | $4,500 | $2,450 to $5,650 |
| Indiana | $2,700 | $2,100 to $5,000 |
Where these numbers come from: title loans 5 Star Car Title Loans funded from October 2024 to October 2026. “Typical” is the middle loan, rounded to the nearest $50.
The middle half leaves out the lowest quarter and the highest quarter of loans. Amount financed is the full loan amount, including fees.
How Much Do Common Cars Get in California, Florida and Texas?
Trucks usually get more than sedans in these states, even when they are older and have more miles. In Florida, the typical Toyota Tundra loan was $6,100, against $2,600 for a Honda Accord or Toyota Camry.
Within the same model, a newer car with fewer miles is usually worth more, and that raises the top of what you can borrow.
California
| Model | Typical Amount Financed | Typical Year and Miles |
|---|---|---|
| Honda Accord | $4,350 | 2016, 122,000 miles |
| Toyota Camry | $4,400 | 2016, 111,000 miles |
| Honda Civic | $5,000 | 2017, 104,000 miles |
| Ford F-150 | $4,950 | 2013, 145,000 miles |
| Toyota RAV4 | $4,000 | 2017, 88,000 miles |
| Chevrolet Silverado 1500 | $5,000 | 2014, 135,000 miles |
Florida
| Model | Typical Amount Financed | Typical Year and Miles |
|---|---|---|
| Ford F-150 | $3,100 | 2013, 179,000 miles |
| Nissan Altima | $1,500 | 2015, 146,000 miles |
| Chevrolet Silverado 1500 | $3,500 | 2015, 150,000 miles |
| Honda Accord | $2,600 | 2014, 133,000 miles |
| Toyota Camry | $2,600 | 2014, 120,000 miles |
| Toyota Tundra | $6,100 | 2014, 142,000 miles |
Texas
| Model | Typical Amount Financed | Typical Year and Miles |
|---|---|---|
| Ford F-150 | $1,250 | 2010, 196,000 miles |
| Honda Accord | $1,200 | 2013, 159,000 miles |
| Toyota Camry | $1,000 | 2013, 180,000 miles |
| Chevrolet Silverado 1500 | $2,000 | 2013, 160,000 miles |
Each model listed has at least 15 of our loans in that state, funded October 2024 to October 2026. Year and miles are the middle values for that model.
Should You Check Your Car’s Value Before Applying?
You can, but you do not have to. We check your car’s value as part of your application.
Checking it yourself first gives you an idea of what you may be able to borrow. Your car’s value sets the top of your loan amount, and your income decides what payment you can afford.
If your car’s value is low, you may get a smaller loan instead of no loan.
Where Can You Check Your Car’s Value?
These two free sites are reliable sources for checking your car’s value before you apply:
- Kelley Blue Book: estimates based on your car’s make, model, year, mileage and condition.
- Edmunds: trade-in and private-party values for your car.
How Can I Find the Equity in My Car?
Equity is what your car is worth minus what you still owe on it. The more equity you have, the more you can borrow.
If your car is paid off, your equity is close to its full market value.
Example Amount Vehicle 2017 Honda Accord Estimated value $10,000 Amount still owed $3,000 Equity $7,000 Possible loan at 25% to 50% of equity $1,750 to $3,500 Where your loan lands in that range depends on your income and your state’s law.
Can I Pay Off My Title Loan Early?
Yes. We do not charge a prepayment penalty, so you can pay off your loan whenever your budget allows.
Paying early lowers your cost, because interest is charged only on the balance you still owe. In the $6,000 example, paying the remaining $3,265.33 after six payments saves $351.30 in interest.
| Detail | Full 12 Months | Paid Off After 6 Months |
|---|---|---|
| Loan amount | $6,000 | $6,000 |
| Payments | 12 monthly payments | 6 monthly payments, then the $3,265.33 balance |
| Total interest | $1,233.27 | $881.97 |
| Total paid | $7,233.27 | $6,881.97 |
| Interest saved | None | $351.30 |
A tax refund or a work bonus put toward your balance has the same effect. For more ways to finish a loan sooner, read how to get out of a title loan.
Does the Calculator Work for Trucks, Motorcycles and RVs?
Yes. The calculator gives estimates for cars, trucks and SUVs, motorcycles, RVs, heavy-duty trucks and classic cars.
Choose your vehicle type at the top of the calculator. Each of these pages explains how loans work for that vehicle:
The calculator does not cover boats. To borrow against a boat, see our boat title loans page.
What Are the Risks of a Title Loan?
The main risks of a title loan are its cost and the chance of losing your car if you cannot repay.
Single-payment title loans carry the most risk. The Federal Trade Commission says they typically last 15 or 30 days, with fees that can equal an APR of about 300%.
A 2016 Consumer Financial Protection Bureau study found that one in five single-payment borrowers had their car or truck seized. These figures do not describe loans paid back in monthly installments, like the example on this page.
Any title loan costs more than most bank or credit union loans, so borrow only what you need.
What Happens If You Fall Behind?
Late fees may be added under your loan agreement. If you stop paying, we may repossess and sell the car under your state’s law, and where the law allows, you may still owe the rest. Read how title loan repossession works before you sign.
If you think you may miss a payment, call us before the due date. We may be able to refinance your loan to lower your payment.
Frequently Asked Questions
How Much Can I Borrow?
With 5 Star Car Title Loans, you can borrow up to $25,000, based on your car’s value, your ability to repay and your state’s law.
We usually lend about 25% to 50% of your car’s available equity.
Most of our loans are well under $25,000. Over the last two years, the typical amount financed was about $4,200 in California, $2,600 in Florida, $4,500 in Ohio and $1,300 in Texas and Louisiana.
How Is My Title Loan Amount Decided?
Three main things decide your title loan amount: your car’s value, your ability to repay and your state’s law.
We check your car’s condition and value, then your proof of income. Your amount can never go above what your state allows.
What Is the Monthly Payment on a $2,000 Title Loan?
Your payment depends on your APR and your loan term, so the same $2,000 costs a different amount each month at a different APR.
36% APR: about $200.92 a month, $411.09 in total interest.
60% APR: about $225.65 a month, $707.81 in total interest.
99% APR: about $268.84 a month, $1,226.05 in total interest.
150% APR: about $330.39 a month, $1,964.66 in total interest.
These examples are for a 12-month term. Our top rate is 150% APR, and state law sets the highest APR allowed, so your rate depends on where you live.
How Accurate Is the Calculator?
The calculator is accurate to our loan data. It shows the range of amounts borrowers with similar vehicles received in your state.
Each borrower gets a different offer, and that is why you see a range instead of one number. Your trim, your car’s condition, your income and your state’s law decide your final amount.
Remember to factor in origination fees, which are often charged after approval, typically up to 10% of the loan amount.
Does Using the Calculator Affect My Credit?
No. Using the calculator and seeing your estimate does not involve a credit check.
Once you decide to take the loan, we run a soft credit check as part of the final approval. That does not affect your FICO score.
Can I Qualify With a Bad Credit Score?
Yes, borrowers with bad credit may still qualify. Your credit score is not the main factor in your approval.
Because your vehicle secures the loan, your vehicle’s value and your ability to repay matter more than your credit score.
Do I Need to Give My Phone Number to See an Estimate?
No. You see your estimate after you enter your vehicle, its mileage and your state.
We ask for your name and phone number only if you choose to continue to the application and get a loan offer without obligation.
Need More Information on How Title Loans Work?
Each of these pages covers one part of how title loans work:
- How title loans work, from application to funding
- Title loan requirements, with what you need to qualify
- Title loan laws by state, with caps and terms where you live
- Frequently asked questions about our loans and services
When you are ready, choose Apply Now. You can also call us with any question about your application.
