Are All Car Title Loans in CA Considered to Be Legitimate?

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If there is a lien on your title that implies that you are not currently the legal owner of the vehicle but rather the lienholder is. A rule of thumb is that in order to get a title loan, your title must be free and clear of any liens. So to get a title loan with a lien you must go through some steps in order to clear this.

The following options are suitable if you have a title that has a current lienholder:
1. Pay off to the current lienholder. This means that you will pay off your current lienholder and receive a clear and free title back. After this, you can turn to a new title loan lender and start the loan borrowing process. The downside to this option is it can be lengthy in time since you are awaiting for the title from the lienholder.

2. 3rd party payoff. Under this process, your chosen title loan lender pays off your current lienholder and the title gets sent to the lender directly. This is a great option if you’re looking to improve your loan terms or get extra cash when you’ve already borrowed some money off of the vehicle.

Before choosing your preferred option, we suggest consulting with your chosen auto title loan lender so they can work with you personally to make the process as quick and smooth and possible. We’ll be happy to help with this and answer any remaining questions.

More info on How To Change a Legal Owner Only (HTVR 18)

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Applications submitted on this website may be originated by one of several lenders, including: 5 Star Loans, Inc., dba 5 Star Car Title Loans, a licensed lender in California; or one of our lending partners, including tribal lenders.
Loans originated by our lending partners will not be serviced by 5 Star Car Title Loans.
*Choosing a loan amount between $250 to $2000, will connect you to our lending partners who provide installment and payday loans.
Applicants must be at least 18 years of age (19 in Alabama). Loans not available in all states.
See State Disclosures for additional information.

¹Approving loans depends on meeting the credit criteria of the lender, and may be based in whole or in part on information obtained from a national database including, but not limited to, TransUnion, Equifax, LexisNexis or FactorTrust, Inc. This could also 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. 5 Star Car Title Loans® has no control over other lenders’ interest rates or payments.

Proceeds of the loan are meant to be mostly used for personal, household or family purposes. The minimum loan amounts differ according to various states. Consumers must prove their ability to pay the loan back.

²Filling in the application form can take five (5) minutes to finish. When completed, conditional approval could be given, even though review of documentation is pending. Final funding time begins from the time the request gets final approval after it has been received and reviewed, with all necessary documents, and signed before 2pm of your lender’s local time during a business day.

³Some lenders offer option to rescind. If the consumer chooses to exercise the right to rescind the application, the consumer(s) must send a written notification to the lender before midnight on the 3rd calendar day after receiving the loan. The consumer(s) needs to return all monies received and the fees paid on the consumer(s) behalf by certified funds within one business day.

⁴Car Title Loans are expensive, and you may have other ways to get funding that is less expensive. These types of loans are meant to provide you with short term financing to solve immediate cash needs and should not be considered a long-term solution. We encourage and suggest that consumers pay often and early to avoid any additional finance charges.

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