Need cash today? Title loans in Louisiana keep you in your vehicle while putting money in your pocket the same afternoon. Borrowers in New Orleans and Baton Rouge make up the bulk of the files we fund across the state each month.
The auto-equity loan is straightforward: your car backs the loan, you continue driving it, and the title comes back once the balance is paid. There's no prepayment penalty, so paying early costs nothing extra.
$1,514
Average Loan Amount
$300 to $4,586
Typical Loan Range
2010
Avg Vehicle Year
855
Loans Funded
Based on 855 loans in Louisiana from 2023 to 2026. Actual loan amounts vary based on your vehicle's condition, mileage, your ability to repay the loan, and Louisiana regulations.
Recent funded loans in Louisiana. Actual loan amounts vary based on vehicle condition, mileage, and Louisiana regulations.
| Year | Make | Model | Miles | Funded Amount |
|---|---|---|---|---|
| 2018 | GMC | Sierra 1500 | 155,000 | $4,546 |
| 2017 | GMC | Acadia Limited | 55,000 | $5,000 |
| 2019 | Nissan | Sentra | 81,000 | $2,000 |
| 2014 | Chevrolet | Silverado 1500 | 199,937 | $2,468 |
| 2021 | GMC | Sierra 1500 | 159,000 | $5,000 |
| 2020 | Honda | Civic | 152,000 | $3,500 |
| 2020 | GMC | Sierra 1500 | 125,000 | $4,000 |
| 2010 | Cadillac | DTS | 101,000 | $4,422 |
| 2018 | Chevrolet | Malibu | 12,900 | $2,215 |
| 2013 | Ford | F150 | 200,000 | $2,096 |
| Vehicle Make | Avg. Vehicle Value | Avg. Loan Amount | Borrowers |
|---|---|---|---|
| Chevrolet | $5,065 | $1,279 | 159 |
| Ford | $4,425 | $1,616 | 97 |
| Nissan | $3,887 | $1,238 | 95 |
| Toyota | $9,109 | $1,715 | 76 |
| Honda | $8,823 | $2,062 | 50 |
Top 5 vehicle makes financed in Louisiana based on 855 loans. Actual loan amounts vary based on your vehicle's condition, mileage, your ability to repay the loan, and Louisiana regulations.
Borrowers across Louisiana 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 | Critical Home Repairs (Roof, Plumbing) |
| 2 | Electric and Water Utilities |
| 3 | Emergency Medical Bills |
| 4 | Funeral and Burial Expenses |
| 5 | Groceries and Household Essentials |
| 6 | Income Gap Coverage (Between Jobs) |
| 7 | Rent or Mortgage Payments |
| 8 | Appliance Replacement (Fridge, Oven) |
Based on common use cases reported by Louisiana borrowers across 855 funded loans.
In Louisiana, your title is the collateral, not your plates. You keep your car and continue using it while you repay your loan.
Yes. Title loan approval is based on two main things: the value of your car and your ability to repay the loan.
Your credit score is not the deciding factor, so applicants with poor or limited credit can qualify.
Your car needs to have enough value to serve as collateral. Once approved, you can typically borrow up to a percentage of your car's appraised value, usually 25% to 50%.
You need to show you can comfortably handle the monthly payment, but you don't need a traditional W-2 paystub. Many income types work, including self-employment earnings, Social Security, VA benefits, pensions, and other consistent payments.
A few income types that come up often in Louisiana:
A stable, well-documented income generally improves your approval odds and may support a higher loan amount.
| Loan Amount | Term | APR | Interest/Fees | Total Due |
|---|---|---|---|---|
| $1,000 | 12 months | 36.0% | $205.55 | $1,205.55 |
| $2,500 | 12 months | 32.04% | $454.80 | $2,954.80 |
| $5,000 | 12 months | 28.92% | $817.40 | $5,817.40 |
Louisiana caps the finance charge on a consumer loan on a sliding scale by loan size: 36% a year on the part of the balance up to $1,400, 27% on the part from $1,400 to $4,000, 24% from $4,000 to $7,000, and 21% above that (La. R.S. 9:3519). Because the tiers apply to portions of the balance, a larger loan carries a lower blended rate — which is why the APRs in the examples below fall as the amount rises. The cap is measured as the annualized rate computed on an actuarial basis over the whole scheduled term, so it covers the real cost of the loan and not just a headline figure. Examples assume equal monthly payments over 12 months at the maximum lawful rate; a lender may charge less. The examples show interest only; an origination fee of up to $75 and a documentation fee of up to $20 may be added. Actual rates, terms and offers vary by lender — always review your written contract before signing.
Lenders must be licensed; check the OFI licensed lender roster or NMLS Consumer Access before borrowing. The lender must provide a written contract disclosing amount financed, finance charge, APR, payment schedule, and total payments, and there is no prepayment penalty (unearned finance charges must be refunded). Before repossession, the lender must send written notice with the 12-point statutory warning that Louisiana law permits repossession upon default without further notice or judicial process. After a sale, the lender must explain how proceeds were applied; failure to follow procedures forfeits the right to collect. You may redeem the vehicle before sale by paying the full amount owed plus repossession costs.
📖 Governing law: Louisiana Consumer Credit Law
Sources: Louisiana Consumer Credit Law; Louisiana Repossession of Motor Vehicles; Louisiana Maximum Loan Finance Charges; 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 2025 edition.
Thinking about a title loan in Louisiana? See if it's the right choice for you before you apply.
In most cases, yes. Many borrowers in Louisiana can complete the process online without visiting a branch in person.
You can apply from home, complete the vehicle inspection using your phone, and upload your ID and proof of income through a secure portal. Once approved, you can review and sign your agreement electronically, and funds are deposited directly into your bank account, often the same day.
The maximum title loan amount depends on your car's current market value and your ability to repay. Most borrowers qualify for up to about 50% of their vehicle's value. Apply online for a free estimate.
For online applications in Louisiana, vehicle photos typically substitute for an in-person inspection. You submit images of your car along with your title and other required documents, and they are reviewed to determine your vehicle's value and loan eligibility.
Title loans cost more than most conventional loans. Louisiana uses a tiered rate structure where different portions of your loan balance may be subject to different maximum rates. Review the full APR and all fees in your written loan contract before signing.
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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