Borrow against your car title and keep driving. Same-day funding8, no prepayment penalty, and an office near you.
Working drivers across the Commonwealth use title loans in Virginia to tap the value already in their vehicle without giving up the keys. Richmond and Norfolk lead the application volume we see in the state from month to month.
The car title loan is secured by your vehicle, the title is held only until the balance is cleared, and the car never leaves your driveway. Online applications are open every day, and approvals typically arrive within the hour.
Yes. Every lender must be licensed by the Virginia State Corporation Commission.
Bad credit? You may still qualify.
No traditional job? Social Security, disability, or other verifiable income may count.
$2,219
Average Loan Amount
$1,000 to $2,500
Typical Loan Range
2014
Avg Vehicle Year
1,184
Loans Funded
Based on 1,184 loans in Virginia from 2023 to 2026. Actual loan amounts vary based on your vehicle's condition, mileage, your ability to repay the loan, and Virginia regulations.
Some approved loan amounts were higher. In Virginia, title loan amounts are limited by law to a maximum of $2,500.
Recent funded loans in Virginia. Actual loan amounts vary based on vehicle condition, mileage, and Virginia regulations.
| Year | Make | Model | Miles | Funded Amount |
|---|---|---|---|---|
| 2016 | Ram | 1500 | 198,000 | $2,500 |
| 2017 | Porsche | Macan | 106,000 | $2,500 |
| 2023 | Chevrolet | Tahoe | 67,000 | $2,500 |
| 2013 | Honda | Insight | 100,000 | $2,300 |
| 2017 | Chevrolet | Suburban | 197,000 | $2,500 |
| 2017 | Kia | Forte | 65,000 | $2,343 |
| 2015 | Nissan | Armada | 153,990 | $2,500 |
| 2017 | Acura | MDX | 198,763 | $2,500 |
| 2019 | Nissan | Murano | 102,000 | $2,500 |
| 2015 | Toyota | Corolla | 208,609 | $2,500 |
Some approved loan amounts were higher. In Virginia, title loan amounts are limited by law to a maximum of $2,500.
| Vehicle Make | Avg. Vehicle Value | Avg. Loan Amount | Borrowers |
|---|---|---|---|
| Toyota | $10,081 | $2,201 | 194 |
| Ford | $9,788 | $2,199 | 139 |
| Honda | $8,725 | $2,200 | 126 |
| Chevrolet | $9,097 | $2,238 | 122 |
| Nissan | $8,138 | $2,195 | 90 |
Top 5 vehicle makes financed in Virginia based on 1,184 loans. Actual loan amounts vary based on your vehicle's condition, mileage, your ability to repay the loan, and Virginia regulations.
Some approved loan amounts were higher. In Virginia, title loan amounts are limited by law to a maximum of $2,500.
Borrowers across Virginia 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 | Moving Expenses or Security Deposits |
| 2 | Rent or Mortgage Payments |
| 3 | Urgent Vehicle Repairs |
| 4 | Appliance Replacement (Fridge, Oven) |
| 5 | Business Operating Capital (Small/Solo) |
| 6 | Childcare or Daycare Expenses |
| 7 | Credit Card Minimum Payments |
| 8 | Critical Home Repairs (Roof, Plumbing) |
Based on common use cases reported by Virginia borrowers across 1,184 funded loans.
| Loan Amount | Term | APR | Interest/Fees | Total Due |
|---|---|---|---|---|
| $500 | 12 months | 92.09% | $282.77 | $782.77 |
| $1,500 | 12 months | 55.52% | $488.32 | $1,988.32 |
| $2,500 | 12 months | 47.82% | $693.86 | $3,193.86 |
Virginia caps title-loan interest at a simple annual rate of 36%, but interest is not the whole cost: the lender may also charge a monthly maintenance fee of up to the lesser of 8% of the original loan amount or $15 (Va. Code § 6.2-2216). On a small loan that fee can exceed the interest — on $500 over a year it adds $180 against about $103 of interest — so the examples below include it and show the all-in APR you actually pay.
The fee may not be added to the balance on which interest is charged. A title loan may not exceed $2,500 and must run at least six months and no more than 24 months.
Beyond these, the only other permitted charges are a returned-payment fee of up to $25, a late charge of up to $20, and repossession and sale costs capped at 5% of the original loan amount; credit insurance, add-on products and storage fees are prohibited. Interest stops accruing once your vehicle is repossessed, or 60 days after a missed payment unless you are concealing the vehicle.
📖 Governing law: Virginia Motor Vehicle Title Loan Act (as reformed by the Fairness in Lending Act 2020)
Sources: Virginia Motor Vehicle Title Loan Act; SCC Borrower Rights Pamphlet; 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 2026 edition.
Thinking about a title loan in Virginia? See if it's the right choice for you before you apply.
Yes. Title loans often come with high costs. Rate cap in Virginia: 36% a year, plus a monthly fee of up to $15. Fees: None — only the fees listed in § 6.2-2216 (Va. Code § 6.2-2215(2)). 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 Virginia.
Under Virginia law, no renewals or extensions; refinancing into a new title loan is permitted (Va. Code §§ 6.2-2215(4), 6.2-2216.2).
Yes, if a payment is late. Virginia law caps the late fee at $20 (Va. Code § 6.2-2216(A)(6)).
Yes. You can pay off your loan early at any time, and there is no prepayment penalty.
Yes. You have a 3-business-day right to cancel by returning the full loan amount by 5 PM of the third business day, with no fees.
Contact the Virginia State Corporation Commission, which licenses title lenders in Virginia. 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.
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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