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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.
$1,426
Average Loan Amount
$300 to $4,191
Typical Loan Range
2010
Avg Vehicle Year
820
Loans Funded
Based on 820 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 | Jeep | Cherokee | 71,000 | $4,060 |
| 2016 | GMC | Canyon | 115,000 | $2,222 |
| 2024 | Jeep | Wrangler | 49,653 | $4,341 |
| 2021 | Ram | 1500 | 63,000 | $4,679 |
| 2017 | Toyota | Tundra | 170,377 | $2,600 |
| 2012 | Ford | F150 | 200,000 | $2,191 |
| 2015 | Jeep | Wrangler | 106,000 | $3,082 |
| 2017 | Toyota | Camry | 115,110 | $2,411 |
| 2017 | Toyota | Camry | 101,985 | $3,500 |
| 2019 | Lexus | NX 300 | 98,330 | $2,500 |
| Vehicle Make | Avg. Vehicle Value | Avg. Loan Amount | Borrowers |
|---|---|---|---|
| Chevrolet | $4,534 | $1,183 | 153 |
| Ford | $4,422 | $1,605 | 95 |
| Nissan | $3,828 | $1,223 | 93 |
| Toyota | $9,242 | $1,725 | 74 |
| Honda | $8,439 | $1,867 | 46 |
Top 5 vehicle makes financed in Louisiana based on 820 loans. Actual loan amounts vary based on your vehicle's condition, mileage, your ability to repay the loan, and Louisiana regulations.
5 Star Car Title Loans serves borrowers across Louisiana, with a strong presence in New Orleans, Baton Rouge, and Lafayette.
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 820 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 | Blended Max APR | Amortized Interest | Total Due |
|---|---|---|---|---|
| $1,000 | 12 months | 36.00% | $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 |
Note on Louisiana Costs: Louisiana uses a tiered interest structure, meaning the maximum blended APR decreases as your loan size grows. Examples reflect true amortization of interest only; a lender may also charge Louisiana's permitted documentation fee, which is not included above. Actual rates, terms, and offers vary by lender. Always review your written contract before signing.
📖 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 10 May 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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