Need Quick Cash? Get a Car Title Loan Today
Unexpected bills or urgent expenses can appear at any time. A car title loan lets you use your vehicle’s value to borrow money quickly, even if you have bad credit. At 5 Star Car Title Loans, we make it simple to get approved, stay on the road, and receive cash when you need it most.
With same-day approval, flexible terms, and transparent rates, our auto title loans are designed to help you handle life’s financial surprises responsibly.
What Is a Car Title Loan?
A car title loan (also known as an auto title loan) is a secured loan that allows you to borrow money based on your vehicle’s equity. You keep driving your car while the lender holds the title as collateral until the loan is paid off.
Unlike traditional bank loans, car title loans don’t rely solely on your credit score. Approval is based on your vehicle value, proof of income, and ability to repay the loan, not your past credit challenges.
Key Benefits of a 5 Star Car Title Loan
- Same-Day Approval: Apply online or visit one of our branches and get approved in as little as 30 minutes.
- Keep Your Vehicle: You keep driving while repaying your loan.
- Flexible Loan Amounts: Borrow from $2,500 up to $50,000, depending on your car’s value and your income.
- No Prepayment Penalties: Pay off your loan early and save on interest.
- Bad Credit? No Problem: We focus on your car’s equity and current financial situation, not your credit history.
- Licensed and Trusted: 5 Star Car Title Loans is a licensed lender with transparent rates and no hidden fees.
How Do Car Title Loans Work?
Applying for a vehicle title loan is simple. Here’s how it works from start to finish:
Step 1: Apply Online or In Person
Complete a short online form or visit one of our convenient locations. Provide your vehicle details, make, model, mileage, and basic contact information.
Step 2: Submit Your Documents
Upload or bring:
- Vehicle title (clear or with significant equity)
- Government-issued ID
- Proof of income (pay stubs, bank statements, or benefits)
- Proof of insurance and vehicle registration
Step 3: Get Your Car Inspected
Your vehicle’s value determines your loan amount. A quick visual inspection or photo verification confirms its current market value.
Step 4: Review and Sign Your Loan Agreement
Once approved, you’ll receive a loan offer outlining your loan term, interest rate, and monthly payment schedule. Our terms are clear, with no hidden costs.
Step 5: Get Funded
After signing, funds are deposited directly into your bank account, often the same day if approved before noon.
How Much Can I Borrow with a Car Title Loan?
Loan amounts range from $2,500 to $50,000, depending on:
- Your vehicle’s year, make, model, and mileage
- Your equity (the difference between your car’s value and any existing auto loan)
- Your income and ability to repay the loan
Use our free title loan calculator to estimate your monthly payments and see how much cash you could qualify for.
Who Qualifies for a Car Title Loan?
You may qualify if:
- You own your car outright or have significant equity
- Your vehicle is registered in your name
- You can show proof of steady income
- You have valid insurance and a government-issued ID
We’ve helped thousands of borrowers with all types of credit backgrounds. Even if you’ve been denied elsewhere, 5 Star Car Title Loans can help you get the cash you need.
Why Choose 5 Star Car Title Loans
- Trusted Lender Since 2007: Over a decade of helping customers across the U.S.
- Transparent Process: No surprises, hidden fees, or balloon payments.
- Personalized Support: Our team works with you to find a payment plan that fits your financial situation.
- Fast Funding: Get access to cash within hours after approval.
- State-Licensed: We follow all state regulations for consumer lending.
Common Uses for Car Title Loans
Many customers use auto title loans to cover urgent expenses such as:
- Car repairs or replacement tires
- Medical bills or emergency healthcare costs
- Rent or mortgage payments
- Family emergencies or travel expenses
- Debt consolidation to pay off high-interest debt
Car Title Loans vs. Payday Loans
| Feature | Car Title Loan | Payday Loan |
| Loan Amount | $2,500 – $50,000 | $100 – $1,000 |
| Term | 12 – 48 months | 2 – 4 weeks |
| APR Range | 36% or less | 300%+ |
| Keep Your Car? | Yes | N/A |
| Credit Reporting | Sometimes | No |
| Installments | Yes, fixed monthly payments | One lump-sum payment |
Unlike payday loans, our car title loans come with predictable monthly payments, lower interest rates, and no debt rollovers.
What Documents Do I Need for a Car Title Loan?
- Vehicle title in your name
- Driver’s license or photo ID
- Proof of income (pay stub, bank statement, or benefit letter)
- Vehicle registration and insurance
- Proof of residence
Having these ready helps speed up your approval and funding process.
Frequently Asked Questions
Can I Get a Car Title Loan with Bad Credit?
Yes. Because the loan is secured by your car’s value, your credit score plays a smaller role. As long as you can prove repayment ability, you may qualify.
Do I Need to Own My Car Outright?
If your application is approved before 11 a.m. on a business day, you may receive same-day funding via direct deposit.
How Fast Can I Get My Money?
If your application is approved before 11 a.m. on a business day, you may receive same-day funding via direct deposit.
What Happens if I Miss a Payment?
Contact us immediately. We’ll work with you to adjust your payment schedule. Missing payments may result in additional fees or repossession as a last resort.
Get Started Today
At 5 Star Car Title Loans, we make borrowing fast, transparent, and stress-free. Whether you’re dealing with an unexpected bill or need quick financial relief, we’re here to help.
Apply online now or call (888) 309-0994 to get your free quote and find out how much cash you may access 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.
