Borrow against your car title and keep driving. Same-day funding8, no prepayment penalty, and an office near you.
5 Star Loans helps Tennessee drivers turn vehicle equity into cash through online title loans. The process is simple, decisions come back quickly, and your vehicle value plays an important role in qualification.
A title loan can help cover unexpected costs like car repairs, medical bills, or short-term cash needs. You keep your vehicle and continue driving while making payments.
$1,236
Average Loan Amount
$250 to $2,500
Typical Loan Range
2009
Avg Vehicle Year
579
Loans Funded
Based on 579 loans in Tennessee from 2023 to 2026. Actual loan amounts vary based on your vehicle's condition, mileage, your ability to repay the loan, and Tennessee regulations.
Some approved loan amounts were higher. In Tennessee, title loan amounts are limited by law to a maximum of $2,500.
Recent funded loans in Tennessee. Actual loan amounts vary based on vehicle condition, mileage, and Tennessee regulations.
| Year | Make | Model | Miles | Funded Amount |
|---|---|---|---|---|
| 2018 | Honda | Odyssey | 235,252 | $2,500 |
| 2017 | Nissan | Frontier | 92,792 | $2,500 |
| 2004 | Dodge | Ram 1500 | 314,890 | $2,450 |
| 2020 | Nissan | Versa | 58,000 | $2,500 |
| 2018 | Chevrolet | Malibu | 150,000 | $2,500 |
| 2006 | Honda | Accord | 177,640 | $2,500 |
| 2015 | Ram | 1500 | 164,744 | $2,500 |
| 2014 | Ford | Taurus | 210,780 | $2,034 |
| 2011 | Mazda | CX-9 | 209,000 | $2,500 |
| 2013 | Hyundai | Santa Fe | 179,340 | $2,500 |
Some approved loan amounts were higher. In Tennessee, title loan amounts are limited by law to a maximum of $2,500.
| Vehicle Make | Avg. Vehicle Value | Avg. Loan Amount | Borrowers |
|---|---|---|---|
| Ford | $3,083 | $1,154 | 77 |
| Chevrolet | $3,193 | $1,275 | 76 |
| Nissan | $2,707 | $1,194 | 64 |
| Dodge | $3,621 | $1,211 | 49 |
| Honda | $4,431 | $1,178 | 30 |
Top 5 vehicle makes financed in Tennessee based on 579 loans. Actual loan amounts vary based on your vehicle's condition, mileage, your ability to repay the loan, and Tennessee regulations.
Some approved loan amounts were higher. In Tennessee, title loan amounts are limited by law to a maximum of $2,500.
Borrowers across Tennessee tap into their vehicle's equity for a range of real-world needs — from covering unexpected bills to bridging income gaps. Here are the most common reasons our customers request a title loan.
| # | Top Use |
|---|---|
| 1 | Electric and Water Utilities |
| 2 | Funeral and Burial Expenses |
| 3 | Groceries and Household Essentials |
| 4 | Income Gap Coverage (Between Jobs) |
| 5 | Rent or Mortgage Payments |
| 6 | Urgent Vehicle Repairs |
| 7 | Appliance Replacement (Fridge, Oven) |
| 8 | Business Operating Capital (Small/Solo) |
Based on common use cases reported by Tennessee borrowers across 579 funded loans.
| Loan Amount | Term | APR | Interest/Fees | Total Due |
|---|---|---|---|---|
| $500 | 1 month | 264% | $110 | $610 |
| $1,000 | 1 month | 264% | $220 | $1,220 |
| $2,500 | 1 month | 264% | $550 | $3,050 |
Every charge is calculated on your original loan amount, not the remaining balance, so you owe the same charge each period. Interest is 2% of principal ($20 per $1,000) and the fee is 20% of principal ($200 per $1,000) per 30 days.
Lenders must be licensed; search the NMLS Licensee database before borrowing. Lenders may charge up to 2% interest per month plus up to a 20% fee per month, along with limited administrative fees, and must provide written disclosure of the loan amount, interest, fees, payment terms, and total due. You may cancel by the end of the next business day for a full refund with no fees. After repossession you have a 20-day redemption period to reclaim the vehicle by paying the full amount, with no additional interest or fees during redemption, and repossession fees are limited to the actual costs charged.
📖 Governing law: Tennessee Title Pledge Act (T.C.A. Title 45, Chapter 15)
Sources: Tennessee Title Pledge Act (T.C.A. Title 45, Chapter 15); TDFI Title Pledge Lender FAQ; Federal Truth in Lending Act (TILA), 15 U.S.C. §1601
State figures last verified against primary statute text on 3 October 2026; statutes cited are the 2024 edition.
Thinking about a title loan in Tennessee? See if it's the right choice for you before you apply.
Credit checks may sometimes be run during the application process, depending on the borrower's qualifications, but they carry less weight than in traditional lending. Tennessee title loans are collateral-based, so vehicle equity and income are the primary approval factors, not your credit score.
When a bank denies you due to credit history or you need funds faster than a traditional loan allows, a title loan can be an alternative. Approval is based on your vehicle's equity rather than creditworthiness. Keep in mind that title loans carry higher costs than bank loans and your car is at risk if you cannot repay.
In Tennessee, the amount you can borrow depends primarily on your car's current market value and your ability to repay. Tennessee law caps title loans at $2,500 per vehicle title, and within that limit most borrowers qualify for up to about 50% of their vehicle's value. Apply online for a free estimate.
5 Star Loans, Inc., dba
5 Star Car Title Loans™
473 E. Carnegie Dr.,
Suite 200
San Bernardino, CA 92408
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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.
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