Trucks, sedans, and family SUVs make up most of the vehicles behind title loans in Indiana, and the equity already sitting in them is what backs the loan. Indianapolis and Fort Wayne lead the application volume we see in the state.
A vehicle-secured loan leans on what your car is worth, so a thin credit file isn't a dealbreaker. Approval can be wrapped up the same day, and most Hoosier borrowers leave with funds before the end of business.
$3,734
Average Loan Amount
$1,576 to $8,588
Typical Loan Range
2015
Avg Vehicle Year
543
Loans Funded
Based on 543 loans in Indiana from 2023 to 2026. Actual loan amounts vary based on your vehicle's condition, mileage, your ability to repay the loan, and Indiana regulations.
Recent funded loans in Indiana. Actual loan amounts vary based on vehicle condition, mileage, and Indiana regulations.
| Year | Make | Model | Miles | Funded Amount |
|---|---|---|---|---|
| 2014 | Dodge | Charger | 150,000 | $3,500 |
| 2016 | Chevrolet | Suburban | 122,000 | $5,016 |
| 2020 | Chevrolet | Equinox | 130,000 | $5,000 |
| 2013 | Ford | Explorer | 186,000 | $5,361 |
| 2018 | Porsche | Macan | 91,051 | $3,500 |
| 2022 | Nissan | Altima | 89,000 | $5,000 |
| 2018 | INFINITI | QX80 | 98,000 | $11,700 |
| 2022 | Honda | CR-V | 67,000 | $10,000 |
| 2018 | Dodge | Charger | 250,604 | $2,500 |
| 2016 | Ram | 1500 | 243,000 | $2,643 |
| Vehicle Make | Avg. Vehicle Value | Avg. Loan Amount | Borrowers |
|---|---|---|---|
| Chevrolet | $9,419 | $3,598 | 105 |
| Ford | $10,112 | $3,945 | 68 |
| Dodge | $8,913 | $2,699 | 41 |
| Honda | $12,303 | $4,669 | 41 |
| GMC | $11,892 | $4,378 | 37 |
Top 5 vehicle makes financed in Indiana based on 543 loans. Actual loan amounts vary based on your vehicle's condition, mileage, your ability to repay the loan, and Indiana regulations.
Borrowers across Indiana 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 | Dental Emergencies |
| 2 | Electric and Water Utilities |
| 3 | Emergency Medical Bills |
| 4 | Groceries and Household Essentials |
| 5 | Income Gap Coverage (Between Jobs) |
| 6 | Rent or Mortgage Payments |
| 7 | Urgent Vehicle Repairs |
| 8 | Appliance Replacement (Fridge, Oven) |
Based on common use cases reported by Indiana borrowers across 543 funded loans.
When you apply for a title loan in Indiana, we look at your car's make, model, year, mileage, and condition to figure out what it's worth. Once your loan is approved, a lien is added to your title at the Indiana BMV.
That lien is what lets us hold your title as collateral until the loan is paid off. As soon as you finish paying, the lien comes off and your title is fully yours again.
Even though we hold your title, your car stays with you. You can drive it to work, run errands, take the kids to school, do whatever you normally do, as long as you keep up with your payments.
In Indiana, lenders are also not allowed to ask for a set of your keys. Your keys stay with you, just like your car.
Title loans in Indiana are installment loans. You repay them in monthly payments, and Indiana law sets no minimum or maximum term.
Your term and payment amount are set in your loan agreement. Every payment pays down part of the balance.
There's no state minimum or maximum on how much you can borrow in Indiana. The amount comes down to what your car is worth and what you can comfortably pay back.
If you miss payments, here's what Indiana law says has to happen before your car can be repossessed:
That gives you at least a full month to catch up or make alternative arrangements before losing your vehicle. If you expect a payment may be difficult, take action before the due date. In some cases, a payment extension or another option may be available to help you keep your car.
If a car is repossessed, getting it back usually means paying what you owe plus any towing or storage fees that came up.
Indiana Indiana lenders cannot take your keys. Your car, keys, and plates all stay with you while the loan is active.
| Loan Amount | Term | APR | Interest/Fees | Total Due |
|---|---|---|---|---|
| $1,000 | 12 months | 36.0% | $206 | $1,206 |
| $3,000 | 12 months | 35.5% | $608 | $3,608 |
| $5,000 | 12 months | 31.9% | $906 | $5,906 |
Examples show an amortized 12-month supervised loan at Indiana's maximum permitted finance charge under IC 37-2-4-35 — the greater of the tiered rate (36% per year on unpaid balances up to $2,600, 21% from $2,600 to $5,200, and 15% above $5,200) or 25% per year. Because the tiers apply to the unpaid balance, the effective rate rises as the loan is paid down. Actual offers, terms and fees vary by lender.
Lenders must be licensed; search the DFI licensee search before borrowing. You have a 3-business-day right to cancel at no cost by returning the cash or check, and this right must be displayed in the lending area and documents. The lender must disclose APR, all fees, and total cost before signing, and there is no prepayment penalty. Indiana law prohibits a lender from requiring or accepting a set of your keys. A returned-payment charge may not exceed $25 (IC 37-2-4-5(6)), and the loan may be prepaid in full at any time without penalty (IC 37-2-4-12(a)).
📖 Governing law: Indiana Uniform Consumer Credit Code — supervised loan provisions (IC 37-2-4)
Sources: Indiana consumer lending law, IC Title 37 (loan rates: IC 37-2-4-35, formerly IC 24-4.5-3-508); Federal Truth in Lending Act (TILA), 15 U.S.C. §1601
State figures last verified against primary statute text on 2 October 2026; statutes cited are the 2025 edition.
Thinking about a title loan in Indiana? See if it's the right choice for you before you apply.
In many cases, the process can be done online. The Indiana BMV records vehicle liens electronically through its ELT program, so your title does not need to be mailed or handled in person.
You can start from home by submitting your information, uploading photos of your vehicle, and providing your ID and income documents. Once approved, you can review and sign your agreement electronically, and funds are sent to your bank account.
Title loans typically provide 25% to 50% of your vehicle's value. Indiana does not set a minimum or maximum loan amount. Your amount depends on your vehicle's value and your income.
In Indiana, IN, if you default the law requires a 10-day wait, then a written notice giving you 20 days to catch up before repossession can proceed. After repossession, any sale surplus must be returned to you.
Yes, your car's condition directly affects the loan amount you qualify for in Indiana. Market value is assessed using factors such as year, make, model, mileage, and overall condition. A well-maintained vehicle in good condition will typically qualify for a higher loan amount than one with significant wear.
Yes, Indiana permits car title loans. They are governed by Indiana's consumer lending law (IC Title 37) and classified as supervised loans. The Indiana DFI licenses and oversees title lenders, enforcing rate caps under IC 37-2-4-35 and other consumer protections.
Yes, you can lose your car if you stop paying on a title loan in Indiana. Under Indiana law, the lender must first mail a notice to cure default to your last known address. You have 20 days from that notice to bring the loan current. If you do not cure the default in that period, the lender may repossess per IC 26-1-9.1. No interest or fees may be charged after repossession, and any sale surplus must be returned to you.
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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