Pickup trucks and full-size SUVs make up most of the cars we fund when borrowers apply for title loans in Oklahoma. Drivers in Oklahoma City and Tulsa lean heavily on Chevrolets, Fords, and Rams — the kind of vehicle that holds equity well.
That equity is what backs the loan. The vehicle-secured loan funds quickly, the title is the only thing held, and you keep driving the truck while making the agreed monthly payments.
$3,492
Average Loan Amount
$832 to $9,022
Typical Loan Range
2014
Avg Vehicle Year
300
Loans Funded
Based on 300 loans in Oklahoma from 2023 to 2026. Actual loan amounts vary based on your vehicle's condition, mileage, your ability to repay the loan, and Oklahoma regulations.
Recent funded loans in Oklahoma. Actual loan amounts vary based on vehicle condition, mileage, and Oklahoma regulations.
| Year | Make | Model | Miles | Funded Amount |
|---|---|---|---|---|
| 2019 | Chevrolet | Silverado 1500 | 100,350 | $6,500 |
| 2008 | Toyota | Tundra | 167,000 | $2,700 |
| 2013 | Ford | F150 | 219,000 | $2,594 |
| 2008 | Ford | F350SD | 315,000 | $3,351 |
| 2022 | Ram | 2500 | 188,000 | $4,500 |
| 2019 | GMC | Canyon | 24,000 | $2,000 |
| 2012 | Chevrolet | Tahoe | 201,130 | $2,000 |
| 2020 | Ford | Expedition Max | 94,770 | $10,000 |
| 2019 | Chevrolet | Silverado 1500 | 121,307 | $6,201 |
| 2017 | Ram | 3500 | 237,118 | $5,000 |
| Vehicle Make | Avg. Vehicle Value | Avg. Loan Amount | Borrowers |
|---|---|---|---|
| Chevrolet | $10,314 | $3,405 | 53 |
| Ford | $8,631 | $3,373 | 45 |
| Toyota | $11,685 | $3,351 | 26 |
| Honda | $7,531 | $3,059 | 25 |
| Nissan | $7,687 | $2,846 | 21 |
Top 5 vehicle makes financed in Oklahoma based on 300 loans. Actual loan amounts vary based on your vehicle's condition, mileage, your ability to repay the loan, and Oklahoma regulations.
Borrowers across Oklahoma 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 | Business Operating Capital (Small/Solo) |
| 2 | Critical Home Repairs (Roof, Plumbing) |
| 3 | Dental Emergencies |
| 4 | Electric and Water Utilities |
| 5 | Emergency Medical Bills |
| 6 | Groceries and Household Essentials |
| 7 | Income Gap Coverage (Between Jobs) |
| 8 | Rent or Mortgage Payments |
Based on common use cases reported by Oklahoma borrowers across 300 funded loans.
Lenders must operate as licensed supervised lenders; search the ODCC license lookup before borrowing. The lender must provide a written contract showing amount financed, finance charge, APR, payment schedule, and total payments, with maximum finance charges set by statute and tiered by loan size. There is no prepayment penalty (unearned finance charges must be refunded). A one-time lender closing fee is capped at $196.18 from 1 July 2026 (inflation-adjusted each July by the Department of Consumer Credit), and a late charge at the greater of 5% of the installment or $34. After repossession, the lender must give written notice before selling, and you may redeem by paying the full balance plus costs.
📖 Governing law: Oklahoma Consumer Credit Code (Title 14A, Oklahoma Statutes)
Sources: Oklahoma Consumer Credit Code (Title 14A); 14A § 3-508A (Finance Charge Limits); 12A § 9-609 & § 9-611 (Repossession and Notice); 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 Oklahoma? See if it's the right choice for you before you apply.
Oklahoma caps title loan rates under the Consumer Credit Code (Title 14A), with charges tied to the Federal Funds Rate. On loans up to $1,000, the maximum is 32% + Federal Funds Rate per year. See the cost table on this page for worked examples at different loan amounts. Actual rates and terms may vary based on the loan amount and the borrower's specific situation.
Yes, your car's condition directly affects the loan amount you qualify for. Market value is assessed using year, make, model, mileage, and overall condition, alongside your ability to repay. A well-maintained vehicle will typically qualify for a higher amount.
Factors that can prevent qualification include a title not in your name, significant liens already on the vehicle, no verifiable income, non-Oklahoma residency, or an active title loan with any lender.
Title loans typically provide 25% to 50% of your vehicle's value. Oklahoma does not set a minimum or maximum loan amount. Your amount depends on your vehicle's value and your income.
In Oklahoma, OK, your car can be repossessed once you default. Written notice is required before the vehicle is sold. If the car sells for more than you owe, the surplus must be returned to you.
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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