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5 Star helps Nashville drivers turn vehicle equity into cash through title loans in Tennessee. The application is online, decisions come back fast, and the car you already own does most of the qualifying work for you.
A car title loan here is a short-term solution for unexpected costs — repairs, medical bills, or a thin month between paydays. You keep the keys and continue driving while the loan is being repaid.
$1,429
Average Loan Amount
$250 to $4,000
Typical Loan Range
2009
Avg Vehicle Year
554
Loans Funded
Based on 554 loans in Tennessee from 2023 to 2026. Actual loan amounts vary based on your vehicle's condition, mileage, your ability to repay the loan, and Tennessee regulations.
Recent funded loans in Tennessee. Actual loan amounts vary based on vehicle condition, mileage, and Tennessee regulations.
| Year | Make | Model | Miles | Funded Amount |
|---|---|---|---|---|
| 2004 | Dodge | Ram 1500 | 314,890 | $2,450 |
| 2020 | Nissan | Versa | 58,000 | $4,000 |
| 2018 | Chevrolet | Malibu | 150,000 | $2,650 |
| 2006 | Honda | Accord | 177,640 | $2,500 |
| 2015 | Ram | 1500 | 164,744 | $4,000 |
| 2014 | Ford | Taurus | 210,780 | $2,034 |
| 2011 | Mazda | CX-9 | 209,000 | $2,700 |
| 2013 | Hyundai | Santa Fe | 179,340 | $2,630 |
| 2011 | Chrysler | Town & Country | 175,000 | $2,000 |
| 2017 | Chevrolet | Impala | 144,000 | $3,000 |
| Vehicle Make | Avg. Vehicle Value | Avg. Loan Amount | Borrowers |
|---|---|---|---|
| Ford | $3,144 | $1,546 | 75 |
| Chevrolet | $3,149 | $1,339 | 71 |
| Nissan | $2,687 | $1,329 | 61 |
| Dodge | $3,657 | $1,304 | 48 |
| Honda | $4,176 | $1,410 | 29 |
Top 5 vehicle makes financed in Tennessee based on 554 loans. Actual loan amounts vary based on your vehicle's condition, mileage, your ability to repay the loan, and Tennessee regulations.
5 Star Car Title Loans serves borrowers across Tennessee, with a strong presence in Nashville.
Borrowers across Tennessee 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 | Funeral and Burial Expenses |
| 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 Tennessee borrowers across 554 funded loans.
Tennessee is home to 7,227,750 residents across 345 incorporated cities and towns.
Top metros include Nashville (1,201,960), Memphis (1,037,120), and Knoxville (627,090).
On average, 5.4% of Tennessee 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 Tennessee cities and towns is $65,264.
Source: U.S. Census Bureau & Bureau of Labor Statistics.
| Loan Amount | Term | APR | Interest/Fees | Total Due |
|---|---|---|---|---|
| $500 | 1 month | 264% | $110 | $610 |
| $1,000 | 1 month | 264% | $220 | $1,220 |
| $2,500 | 1 month | 264% | $550 | $3,050 |
Every charge is calculated on your original loan amount, not the remaining balance. You owe the same charge each period. Interest is 2% of principal ($20 per $1,000) and fee is 20% of principal ($200 per $1,000) per 30 days.
📖 Governing law: Tennessee Title Pledge Act (T.C.A. Title 45, Chapter 15)
Sources: Tennessee Title Pledge Act (T.C.A. Title 45, Chapter 15); TDFI Title Pledge Lender FAQ; Federal Truth in Lending Act (TILA), 15 U.S.C. §1601
To qualify for a car title loan in Tennessee, applicants generally need to meet these requirements:
Keeping your car is a core feature of a title loan. A lien is recorded with the Tennessee Department of Revenue and the title is held as security for the loan, but you keep the vehicle and drive it throughout the repayment period. You do not surrender your car at any point.
Credit checks may sometimes be run during the application process, depending on the borrower's qualifications, but they carry less weight than in traditional lending. Tennessee title loans are collateral-based, so vehicle equity and income are the primary approval factors, not your credit score.
When a bank denies you due to credit history or you need funds faster than a traditional loan allows, a title loan can be an alternative. Approval is based on your vehicle's equity rather than creditworthiness. Keep in mind that title loans carry higher costs than bank loans and your car is at risk if you cannot repay.
You can lose your car if you default. In many cases, certain steps must be followed before selling the vehicle and you must be given time to catch up. If the car sells for more than you owe, the remaining balance is typically returned to you. Contact your lender before missing a payment.
A lost Tennessee title needs to be replaced before a title loan can move forward. Apply for a replacement certificate of title at a Tennessee Department of Revenue motor vehicle office. Visit tn.gov/revenue/title-and-registration.html for the required application form, fees, and office locations.
Yes. You may still qualify with bad credit or a past bankruptcy. Approval is based mainly on your vehicle's value and your ability to repay.
Yes. At 5 Star Car Title Loans™, you can complete your pre-approval online for free with no obligation. In most cases, the process, including the application, remote car inspection, and signing the agreement, can be completed from home.
In Tennessee, the amount you can borrow depends primarily on your car's current market value and your ability to repay. Tennessee law sets no cap on title loan amounts, and most borrowers qualify for up to about 50% of their vehicle's value. Apply online for a free estimate.
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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