Does Paying Off a Car Title Loan Early Hurt Credit Score? | 5 Star Loans

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Absolutely not! Since there are no prepayment penalty fees we highly encourage you to pay off your loan as soon as you can. This will allow you to avoid paying unnecessary interest and get out of debt.

Generally, title loan payments may appear on your credit report and it is up to the lender to decide if this gets reported or not. A successful completion of your loan might actually be reported as a positive mark on your credit report!

We suggest for customers to check with their chosen lender whether they report payment activity to credit bureaus in advance, as this can have a negative effect if payments are not made in full and on time. With that said, we encourage all our customers to pay off the loan early as it will save them money in the long run and will not affect the credit score negatively. As we always emphasize, 5 Star Car Title Loans is here to help you get back to good financial standings.

For more information on credit reporting visit this page.
Please read the following article for more information about how to pay off your title loan early?

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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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