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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.
$3,436
Average Loan Amount
$799 to $8,464
Typical Loan Range
2014
Avg Vehicle Year
270
Loans Funded
Based on 270 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 |
|---|---|---|---|---|
| 2008 | Lexus | IS F | 138,000 | $7,000 |
| 2017 | Chevrolet | Impala | 140,000 | $2,543 |
| 2017 | BMW | X6 | 118,000 | $5,000 |
| 2012 | Toyota | Tundra | 92,000 | $5,000 |
| 2017 | INFINITI | QX60 | 118,000 | $5,000 |
| 2014 | Honda | Odyssey | 94,000 | $5,000 |
| 2021 | Jeep | Compass | 72,000 | $2,000 |
| 2008 | Honda | Odyssey | 106,457 | $2,066 |
| 2012 | Mercedes-Benz | E Class | 81,000 | $3,751 |
| 2012 | Ram | 1500 | 131,514 | $2,500 |
| Vehicle Make | Avg. Vehicle Value | Avg. Loan Amount | Borrowers |
|---|---|---|---|
| Chevrolet | $9,249 | $3,469 | 44 |
| Ford | $8,615 | $3,302 | 40 |
| Toyota | $11,465 | $3,189 | 24 |
| Honda | $7,286 | $2,925 | 24 |
| Nissan | $7,087 | $2,735 | 19 |
Top 5 vehicle makes financed in Oklahoma based on 270 loans. Actual loan amounts vary based on your vehicle's condition, mileage, your ability to repay the loan, and Oklahoma regulations.
5 Star Car Title Loans serves borrowers across Oklahoma, with a strong presence in Oklahoma City, and Tulsa.
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 270 funded loans.
Oklahoma is home to 4,095,393 residents across 596 incorporated cities and towns.
Top metros include Oklahoma City (1,017,830), Tulsa (747,529), and Norman (129,672).
On average, 5.2% of Oklahoma residents across the state's cities and towns are currently unemployed.
Source: U.S. Census Bureau & Bureau of Labor Statistics.
The median household income across Oklahoma cities and towns is $57,555.
Source: U.S. Census Bureau & Bureau of Labor Statistics.
| Loan Amount | Term | APR | Interest/Fees | Total Due |
|---|---|---|---|---|
| $1,000 | 12 months | 35.64% | $198 | $1,198 |
| $2,500 | 12 months | 35.64% | $495 | $2,995 |
| $5,000 | 12 months | 35.64% | $989 | $5,989 |
Examples use the maximum 32% statutory cap plus 3.64% Federal Funds Rate (March 2026) on loans up to $7,000. Your actual rate depends on the Federal Funds Rate at time of loan. Verify before borrowing.
📖 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
To qualify for a car title loan in Oklahoma, applicants generally need to meet these requirements:
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. | Loan Amount | Term | APR* | Monthly Payment | Total Interest | Total Repaid | | $1,000 | 12 months | 35.64% | 9.82 | 97.84 | $,197.84 | | $,500 | 12 months | 35.64% | 49.55 | 94.60 | $,994.60 | | $1,000 | 12 months | 35.64% | 99.10 | 89.20 | $,989.20 | Actual rates and terms may vary based on the loan amount and the borrower's specific situation.
Yes, you can get a title loan in Oklahoma with bad credit. Title loans are designed for borrowers with poor or limited credit history. Approval is based primarily on your vehicle's value and your ability to repay, not your credit score.
Yes, you can qualify without a traditional job. Income must be verified, but many sources are accepted, such as Social Security, disability, pension, self-employment, and other consistent income. Your vehicle's value and your income together determine eligibility.
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.
Bankruptcy history is less of a barrier for title loans than for traditional financing. Vehicle collateral value and current repayment ability matter more than past credit events. If your bankruptcy has been discharged and you have verifiable income, you may still qualify.
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. Most borrowers in Oklahoma receive between $200 and $5,000, depending on vehicle value and 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
NMLS ID 1442517
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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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