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Home > How do title loans work?

How do title loans work?


Author: 5 Star Car Title Loans |

Title loans have a simple lending process:

1. Apply for a loan by calling or filling out our online application.

2. After answering a few simple questions you will be informed if you are preapproved or not. In case you are, your vehicle will need to be inspected.

3. If your vehicle is in good condition, you will be given a finalized loan offer, based on your ability to repay and other relevant factors.

4. Once all loan terms are finalized, 5 Star Loans will be placed as the lien holder on your car’s title and you will get your cash! And you get to keep your car for the entire duration of the loan!

5. Once you’ve finished paying off your title loan, you will receive your title back!

Check out our How It Works page for more details on how our 5 Star Car Title Loans work!

Click for more information on:

A. Requirements for a title loans   B. How Much Cash Can I Get   C. Examples of 36 Month Loan Terms

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How long does it take to get a title loan?

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5 Star Car Title Loans Chamber of Commerce

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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