Rapid Cash Relief for Your Financial Needs
Turn your car into a financial safety net. Whether an urgent home repair or a medical bill, a Modesto title loan handles it all.1 Borrow the money you require using your vehicle’s title—while still driving it.
Submit the online request form and get a minimum loan of 25-50% of your vehicle’s equity!
Requirements to Qualify for a Title Loan
To get a title loan, you’ll need to meet certain criteria and provide essential documents. Here are the key requirements:
Eligibility Criteria:
- You must be at least 18 years old
- Own a vehicle with a title in your name
- A steady income to ensure repayment
Discovering Modesto, California
Modesto, founded in 1870 as a Central Pacific Railroad town, retains its original 640-acre layout. It became a key agricultural hub, providing farmers with transport access. It later gained recognition in the mid-20th century for its high-art architecture featured by the New York Museum of Modern Art.
Housing Cost Comparison: Modesto vs. National Avg.
| Housing Cost | Modesto | National Avg. |
| Home Price | $300,700.00 | $184,700.00 |
| Avg. Mortgage Payment | $4,545.90 | $2,346.69 |
| Apartment Rent | $1,254.00 | $949.00 |
Source: Area Vibes
With the housing costs significantly exceeding the national average, many residents may face financial strain. Unlike traditional personal loans, title loans provide fast cash—possibly within 24 hours2—when sudden costs arise.
Fast Cash When You Need It!
- Get up to $50,000 using your car title
- Flexible repayment with no job required
- Unlock 25%-50% of your car’s value
- Pay off with no prepayment penalties
Enjoy these benefits with hassle-free title loans. But what if you miss a payment?
Here’s What to Expect!
- Late fees and rising interest costs4
- Risk of losing your vehicle4
- Negative impact on your credit score
- Refinancing or payment extension options
Pro Tip: Choose A Reliable Car Title Lender
Online title loans in California are legal under strict consumer credit guidelines set by the DFPI. We, as a reputable title loan company, enable borrowers to obtain transparent and fair loans.
Frequently Asked Questions
Can I Apply If I Have Bad Credit?
Yes, title loans focus on your car’s value, not your bad credit history. Even with a low credit score, you can still qualify. All you need is a lien-free title in your name and a consistent income to repay the loan.1
Why Choose 5 Star Car Title Loans?
We offer a hassle-free process, a quick loan process2, and flexible monthly payment plans. With no early repayment penalties, borrowers can repay the loan amount and save on interest.4 If you face repayment challenges, we provide assistance to help you avoid repossession.
Can I Use My Car as Collateral If I Still Owe on It?
Yes, you may still be eligible for a title loan if you owe money on your car. Below are the options:
- Pay off the current lienholder: Before requesting a new loan, ensure that your title is clear.
- Third-party payoff: The new lender pays off your existing loan and refinances it on new terms. It’s crucial to consult with the lender to determine the best option!
Disclaimer: Auto title loans are short-term4, high-interest loans4 using your vehicle as collateral.1 Defaulting may result in loss of ownership.4 Review terms carefully and explore alternatives before signing the loan agreement.4 Approval and amounts depend on lender evaluation.1
