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Legal Disclaimer 

5 Star Car Title Loans™ 

1. Purpose of This Website 

5 Star Car Title Loans™ provides information about title loans and related financial products. The content on this website is educational and informational. It is not a substitute for professional financial, legal, or tax advice. 

2. No Professional Advice 

The information on this website is general and educational in nature. It is not personalized advice for your specific situation. For decisions that affect your finances, we recommend speaking with a qualified professional. 

3. Accuracy of Information 

We review our content for accuracy at the time of publication. However, financial information, interest rates, laws, and state regulations change over time. We do not guarantee that all information is complete, current, or error-free. If you find inaccurate or outdated information, please contact us at legal@5starloans.com. 

4. Advertising & Compensation Disclosure 

Use of this website is free. You are under no obligation to use our services or accept any loan offer. 

5. User Responsibility 

We encourage you to make informed decisions. Before accepting any offer, carefully review all terms and conditions. We provide information to help guide you, but the final decision is yours. We do not oversee or control third-party content, conduct, suggestions, terms, or business practices.. 

6. External Links 

This website may contain links to third-party websites for your convenience. We do not control the content of external sites and are not responsible for their accuracy, privacy practices, or terms of use. Linking to a third-party site does not imply endorsement. You access external websites at your own risk. 

7. Geographic Limitations 

Loan availability, terms, and products vary by state and are subject to state regulatory requirements, which may change over time. Only United States residents are eligible for loans through this website. 

8. Important Loan Disclosures & Risks 

Title loan approval is based on your ability to repay, vehicle equity, and underwriting criteria. Actual loan amounts, terms, and APR vary by consumer and state. 

Key Risks and Disclosures: 

  1. Credit Checks: A credit check may be performed using national databases including TransUnion, Equifax, LexisNexis, or FactorTrust. 
  1. High Cost of Borrowing: Title loans are expensive. APRs can reach triple digits. These loans are designed for short-term financial needs only, not as a long-term solution. 
  1. Risk of Repossession: A title loan is secured by your vehicle. If you cannot make payments, your vehicle may be repossessed. Repossession costs may include towing, storage, and sale of the vehicle, as permitted by applicable state law. 
  1. Consider Alternatives: Before committing to a title loan, consider alternatives such as borrowing from family or friends, setting up a payment plan with a creditor, or speaking with a nonprofit credit counselor. These alternatives may cost less and carry fewer risks. 
  1. Military Protections: Active duty military servicemembers and their dependents are protected under the Military Lending Act, which caps the Military Annual Percentage Rate (MAPR) at 36%. 

9. Regulatory Information 

5 Star Loans, Inc., dba 5 Star Car Title Loans™ 

NMLS ID: 1442517 

10. Privacy & Security 

We use 256-bit SSL encryption and TLS to protect your information. California residents have specific rights under the California Consumer Privacy Act (CCPA), including the right to opt out of the sale or sharing of personal information. For details, see our Privacy Policy and Do Not Sell My Personal Information page. 

If you are a resident of another state and wish to make a privacy-related request, please contact us at legal@5starloans.com. 

11. USA PATRIOT Act Notice 

Federal law requires financial institutions to obtain, verify, and record information that identifies each person who opens an account. When you apply, we may ask for your name, address, date of birth, and other identifying documents. 

12. Accessibility 

We are committed to making our website accessible to all users. We aim to follow WCAG 2.1 Level AA guidelines. If you use assistive technology and have difficulty accessing any part of our website, please contact us at legal@5starloans.com. We welcome your feedback and will work to address accessibility concerns. 

13. Updates to This Disclaimer 

We periodically update this Legal Disclaimer to reflect changes in our practices, regulations, or legal requirements. The “Last Updated” date at the top of this page reflects the most recent review. Continued use of this website after changes constitutes your acceptance of the revised disclaimer. 

14. Contact Information 

Legal Inquiries: legal@5starloans.com 

Mailing Address: 473 E. Carnegie Dr., Suite 200, San Bernardino, CA 92408 

5 Star Car Title Loans™ | 5 Star Loans, Inc. 

NMLS ID: 1442517 | © 2026 5 Star Car Title Loans™. All rights reserved. 

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5 Star Car Title Loans


5 Star Loans, Inc., dba
5 Star Car Title Loans™

473 E. Carnegie Dr.,
Suite 200
San Bernardino, CA 92408

NMLS ID 1442517

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1Applications submitted through this website are processed by 5 Star Loans™, Inc., dba 5 Star Car Title Loans™

2Applicants must be at least 18 years of age (19 in Alabama). Loans are not available in all states.  

3Use of this website is free. We may share personal information with third-party service providers as necessary to process your loan request, in accordance with our Privacy Policy.

4USA PATRIOT ACT NOTICE: IMPORTANT INFORMATION ABOUT OPENING A NEW ACCOUNT. To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.

5Loan proceeds are intended primarily for personal, household, or family purposes. The minimum loan amounts differ according to various states. Consumers must prove their ability to repay the loan. 

6Approving loans depends on meeting credit criteria and may include offering certain assets as collateral. The actual loan amounts, terms, and Annual Percentage Rate (APR) of a loan that the consumer qualifies for could vary according to the consumer.  

7Title Loans can be expensive and are intended for short-term financial needs only. Consumers may have access to lower-cost alternatives. Paying the loan early may help reduce additional finance charges. 

8Completing the application may take about five (5) minutes. Conditional approval may be issued pending document review. Final funding begins upon full approval and receipt of all required documents signed before 2 PM local time on a business day.  

9Title Loan Notice: This loan is secured by your vehicle. If required payments are not made, your vehicle may be repossessed, and you could lose your car. Late or missed payments may be reported to consumer reporting agencies and could negatively affect your credit.

10For anyone experiencing difficulty with this website using a screen reader, please feel free to call (510) 992-4050 for assistance.

© 2026 5 Star Car Title Loans. All rights reserved.

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