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A title loan in Washington can move from online application to funded the same business day, which is what most of our borrowers are looking for. Spokane and Tacoma drivers make up the bulk of files we close in the state.
Title loans in Washington are secured by the equity in your car rather than your credit score. SUVs and crossovers lead our funded list here, and the title is held only until the balance is paid in full.
$3,620
Average Loan Amount
$500 to $9,948
Typical Loan Range
2012
Avg Vehicle Year
363
Loans Funded
Based on 363 loans in Washington from 2023 to 2025. Actual loan amounts vary based on your vehicle's condition, mileage, your ability to repay the loan, and Washington regulations.
Recent funded loans in Washington. Actual loan amounts vary based on vehicle condition, mileage, and Washington regulations.
| Year | Make | Model | Miles | Funded Amount |
|---|---|---|---|---|
| 2008 | Ford | Mustang Bullitt Coupe | 79,000 | $2,570 |
| 2011 | Mercedes-Benz | C Class | 167,000 | $3,000 |
| 2015 | Cadillac | Escalade | 130,000 | $5,000 |
| 2023 | Jeep | Grand Cherokee | 45,000 | $5,000 |
| 2006 | Dodge | Ram 1500 | 103,049 | $3,050 |
| 2021 | Hyundai | Venue | 42,653 | $5,000 |
| 2013 | Dodge | Challenger | 74,000 | $2,850 |
| 2021 | Ford | T350 Vans | 20,000 | $5,000 |
| 2008 | Audi | A4 | 165,000 | $2,350 |
| 2008 | Chevrolet | Tahoe | 250,000 | $3,550 |
| Vehicle Make | Avg. Vehicle Value | Avg. Loan Amount | Borrowers |
|---|---|---|---|
| Ford | $9,227 | $3,528 | 58 |
| Chevrolet | $8,426 | $3,278 | 41 |
| Toyota | $12,531 | $4,377 | 37 |
| Dodge | $6,172 | $2,721 | 33 |
| Nissan | $8,114 | $3,285 | 21 |
Top 5 vehicle makes financed in Washington based on 363 loans. Actual loan amounts vary based on your vehicle's condition, mileage, your ability to repay the loan, and Washington regulations.
Borrowers across Washington 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 | Emergency Medical Bills |
| 3 | Gas and Transportation Costs |
| 4 | Groceries and Household Essentials |
| 5 | Income Gap Coverage (Between Jobs) |
| 6 | Moving Expenses or Security Deposits |
| 7 | Rent or Mortgage Payments |
| 8 | Urgent Vehicle Repairs |
Based on common use cases reported by Washington borrowers across 363 funded loans.
Washington is home to 7,958,180 residents across 281 incorporated cities and towns.
Top metros include Seattle (3,642,010), Spokane (462,286), and Kennewick (259,487).
On average, 5.1% of Washington 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 Washington cities and towns is $94,910.
Source: U.S. Census Bureau & Bureau of Labor Statistics.
| Loan Amount | Term | APR | Interest/Fees | Total Due |
|---|---|---|---|---|
| $500 | 6 months | 25% | $57 | $557 |
| $1,000 | 6 months | 25% | $114 | $1,114 |
| $3,000 | 6 months | 25% | $343 | $3,343 |
Totals include 25% APR interest and 4% origination fee. Actual amounts may vary slightly due to payment timing and rounding.
📖 Governing law: Washington Consumer Loan Act
Sources: Washington Consumer Loan Act; Washington Repossession Laws; Federal Truth in Lending Act (TILA), 15 U.S.C. §1601
To qualify for a car title loan in Washington, applicants generally need to meet these requirements:
Keeping your car is a core feature of a title loan. A lien is recorded with the Washington Department of Licensing 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. Washington title loans under the Consumer Loan Act 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. Washington law allows repossession without a court order as long as it is done without breaching the peace. Reasonable notice must be given before the vehicle is sold. If the car sells for more than you owe, the surplus is returned to you. If it sells for less, you may be responsible for the difference. Contact the company before missing a payment.
A lost Washington title needs to be replaced before a title loan can move forward. Apply for a replacement certificate of title at a Washington Department of Licensing office. Visit dol.wa.gov 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.
Washington law sets no minimum or maximum title loan amount. There is no state-imposed cap on how much you can borrow, so the amount depends entirely on your vehicle's current market value and your ability to repay. 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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