Between Cleveland, Columbus, and Cincinnati, demand for title loans in Ohio tends to spike around emergency repairs, hospital bills, and rent that won't wait. The application takes a few minutes and runs entirely online.
A car title loan in Ohio uses your vehicle's equity as collateral, which means a thin credit file isn't a dealbreaker. Pre-qualify in minutes, get funded the same business day8, and keep driving the car the whole time.
Yes. Every lender must be licensed by the Ohio Division of Financial Institutions.
Bad credit? You may still qualify.
No traditional job? Social Security, disability, or other verifiable income may count.
$3,774
Average Loan Amount
$1,394 to $8,500
Typical Loan Range
2014
Avg Vehicle Year
1,119
Loans Funded
Based on 1,119 loans in Ohio from 2023 to 2026. Actual loan amounts vary based on your vehicle's condition, mileage, your ability to repay the loan, and Ohio regulations.
Recent funded loans in Ohio. Actual loan amounts vary based on vehicle condition, mileage, and Ohio regulations.
| Year | Make | Model | Miles | Funded Amount |
|---|---|---|---|---|
| 2007 | Chevrolet | Corvette | 53,000 | $4,500 |
| 2019 | Nissan | Rogue | 186,000 | $2,500 |
| 2008 | Chevrolet | Impala | 150,000 | $2,143 |
| 2014 | Honda | CR-V | 179,000 | $4,000 |
| 2019 | Jeep | Cherokee | 64,000 | $4,000 |
| 2017 | Honda | Civic | 117,000 | $2,946 |
| 2021 | Volkswagen | Tiguan | 37,000 | $7,178 |
| 2012 | Jeep | Grand Cherokee | 142,000 | $2,000 |
| 2009 | Ford | F150 | 130,000 | $3,850 |
| 2022 | Kia | Soul | 12,100 | $2,000 |
| Vehicle Make | Avg. Vehicle Value | Avg. Loan Amount | Borrowers |
|---|---|---|---|
| Chevrolet | $10,169 | $3,515 | 178 |
| Ford | $10,495 | $4,222 | 149 |
| Honda | $10,376 | $3,759 | 108 |
| Toyota | $10,682 | $3,731 | 81 |
| Jeep | $10,746 | $3,780 | 72 |
Top 5 vehicle makes financed in Ohio based on 1,119 loans. Actual loan amounts vary based on your vehicle's condition, mileage, your ability to repay the loan, and Ohio regulations.
Borrowers across Ohio 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 | Emergency Medical Bills |
| 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 Ohio borrowers across 1,119 funded loans.
Ohio title loans run for at least 6 months as installment loans. Your plates stay on the car while you pay it down.
To qualify, you need three things: a vehicle with enough value to serve as collateral, a steady source of income, and a valid ID (usually a driver's license).
Your car's value matters more than your credit score. Lenders appraise it based on year, make, model, mileage, and condition. You'll typically need a clear Ohio title in your name, and can expect to borrow up to 50% of the appraised value.
You'll need to show you can comfortably repay the loan. This is a must. Neither of us wants you to default and risk losing your car to repossession.
The good news is that proof of income doesn't have to be a W-2 paystub. Any documented, stable income that covers your monthly payment can work.
A few income types that come up often in Ohio:
Ohio has one of the strongest public pension systems in the country, so OPERS, STRS, and SERS payments are considered highly stable, lifetime income.
| Loan Amount | Term | APR | Interest/Fees | Total Due |
|---|---|---|---|---|
| $1,000 | 12 months | 30% | $169 | $1,169 |
| $2,500 | 24 months | 27% | $766 | $3,266 |
| $5,000 | 36 months | 28% | $2,363 | $7,363 |
In Ohio a licensee may charge interest “at a rate or rates not exceeding twenty-five per cent per year on the unpaid principal balances of the loan”, “calculated according to the actuarial method” (Ohio Rev. Code § 1321.68(A)). That 25% cap applies to INTEREST only: the same section separately permits a loan origination charge — for a loan of $1,000 to $2,000, “loan origination charges not exceeding one hundred dollars”.
Because the annual percentage rate must include those charges as well as interest, the APR you are quoted is higher than 25%. The lender must show you the exact APR before you sign.
📖 Governing law: Consumer Installment Loan Act (CILA), Ohio Revised Code §§ 1321.62 to 1321.702
Sources: Consumer Installment Loan Act (CILA), ORC §§ 1321.62 to 1321.702; ORC § 1321.68 (Maximum Interest Rate); Federal Truth in Lending Act (TILA), 15 U.S.C. §1601
State figures last verified against primary statute text on 10 May 2026.
Thinking about a title loan in Ohio? See if it's the right choice for you before you apply.
In most cases, yes. Ohio title loans are structured as installment loans with a minimum 6 month term, and the process can usually be completed entirely online without a physical inspection.
You can
After signing your agreement electronically, funds are deposited directly into your bank account.
Most vehicles still qualify. Cosmetic damage or higher mileage is common and usually does not prevent approval.
However, your vehicle’s condition affects its value and the amount you may receive. Severe damage or major mechanical issues may limit eligibility. It is important to provide accurate details and clear photos during the application process.
Yes. Title loans often come with high costs. Rate cap in Ohio: 25% a year, plus a capped origination charge. Fees: $15 (principal $500 or less), $30 (to $1,000), $100 ($1,000 to $2,000), $200 ($2,000 to $5,000), or the greater of $250 or 1% ($5,000 or more) (R.C. 1321.68(I)(1)). Our APRs go up to 150% and never exceed the cap set by state law. Even at the capped rate, a title loan usually costs more than a personal loan from a bank or credit union. The cost table in the Regulations section shows worked examples for Ohio.
Under Ohio law, no refinancing during the first 120 days; no fee for renewing or extending beyond the deferment charge (R.C. 1321.632(E), (F)).
Yes, if a payment is late. Ohio law caps the late fee at the greater of 5% of the scheduled installment or $15 (R.C. 1321.68(K)).
Yes. You can pay off your loan early at any time, and there is no prepayment penalty.
Contact the Ohio Division of Financial Institutions, which licenses title lenders in Ohio. You can also use it to check that a lender is licensed before you sign.
No credit check is needed to pre-qualify. A soft credit check may be required as part of the final approval process. That does not affect your FICO score. Borrowers with bad credit are welcome to apply: we focus mainly on your ability to repay and your vehicle's value and equity, rather than your credit score alone.
Yes. Your car's value sets how much you can borrow, and condition and mileage both affect that value. We usually lend 25% to 50% of your car's value, sometimes more. There is no mileage limit, and salvage or rebuilt titles can qualify with a lower appraisal. A car that doesn't run may still qualify, usually for less.
Yes. The whole process can be done online, with no store visit required, and you keep driving your car while you repay. A GPS device is needed only in some cases, and you are told before you sign.
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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