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Are you a California resident?
Did you know that one in eight U.S. residents lives in California, the nation’s most populous state!
California’s plates have changed over the years, but the black-and-yellow ones from the ’60s are so iconic they’re still available for classic cars!
5 Star Car Title Loans offers hassle-free title loans in California and secured loans, with loan amounts up to $50,000. Use your vehicle’s title as collateral and get approved in as little as 24 hours—even with bad credit history1!
✅ Borrow Up to $50,000 – Loan amounts based on your vehicle’s value and your ability to repay.
✅ Same-Day Funding Available – Apply early and receive your money the same day.2
✅ No Hidden Fees – Transparent loan terms with no surprises.
✅ Bad Credit? No Problem! – Approval is based on your car's value, not your credit history.
✅ Keep Driving Your Car – You retain full use of your vehicle while making payments.
In California, title loans offer a legal and regulated way to access quick cash, letting you borrow 25%-50% of your car’s value while still driving your vehicle. With unique state laws ensuring consumer protection, this option is popular among residents in Los Angeles, San Diego, and San Francisco who need fast financing in emergencies.
Getting an auto title loan in California with 5 Star Car Title Loans is quick and straightforward.
Fill out a short online request form or visit one of our California locations to get started.2
You'll need:
Once approved, you'll sign the loan agreement, and funds will be transferred to your account—often on the same day!2
To qualify for a 5 Star Car Title Loan in California, you must:
✔️ Be at least 18 years old
✔️ Own a vehicle with a lien-free title
✔️ Provide proof of income & residency
✔️ Have a valid government-issued ID
No credit check needed for certain loans! Even if a credit check is performed, it’s not a primary factor for approval.1
Auto title loans in California have no state-mandated interest rate cap for loans over $2,500, meaning rates can vary widely. We offer APR ranging from 36% to 175%, depending on loan terms and borrower qualifications.
Under the Fair Access to Credit Act, title lenders can charge a maximum annual interest rate of 36% for loans between $2,500 and $10,000, plus the Federal Funds Rate (set by the U.S. Federal Reserve). This means the total rate may fluctuate based on changes in the Federal Funds Rate.
Loan terms extend up to 36 months, and there are no prepayment penalties, allowing you to pay off your loan early without extra fees.4
Source: AB-539 California Financing Law: consumer loans: charges.
| Vehicle & Value | Loan Amount | Loan Term | APR | Fees | Mo. Payment |
|---|---|---|---|---|---|
| Chevrolet Tahoe 2021 – $35K | $12K | 36 Mo. | 91.% | $90 | $980 |
| Toyota Tundra 2020 – $40K | $15K | 36 Mo. | 93.% | $90 | $1,220 |
Note: Our repayment schedules have no prepayment penalties or hidden fees, allowing you to pay off your loan early without extra costs
Before choosing a title loan, weigh the pros and cons carefully. If traditional financing isn't an option, an online title loan can provide quick relief in emergencies. However, understanding the terms is crucial to making a smart financial decision.
- Quick Access to Cash: Car title loans offer a same day cash for individuals facing financial emergencies.2
- Bad Credit: Since title loans are secured by collateral (the vehicle), making them accessible to individuals with no credit or bad credit.
- Keep Driving Your Vehicle: Borrowers can still use their vehicles while repaying the loan, providing continued transportation and convenience.
- Flexibility in Loan Amount: Depending on the value of your vehicle, title loans can offer borrowers access to a loan amount of $100-$50,000.
- High Interest Rates: Title loans often come with high interest rates, which can lead to significant repayment costs over time.4
- Risk of Vehicle Repossession: You should be aware of the risk of repossession. If a borrower defaults on the loan, the title lender can repossess their vehicle, leading to loss of transportation and financial hardship.
- Short-Term Solution: Online title loans are intended for short-term financial needs and may not address underlying financial issues, potentially leading to ongoing debt cycles.
Lender Tip: We suggest using title loans only for emergencies because of their high interest rates, which can trap you in a cycle of debt.4
Yes!
At 5 Star Car Title Loans, we focus on vehicle equity and income stability, not your credit history. Whether your credit is good, bad, or non-existent, you may still qualify
We offer multiple repayment options:
✔️ Pay online through our secure portal
✔️ Set up automatic bank payments
✔️ Visit a 5 Star Car Title Loans location
✔️ Make payments via MoneyGram or Western Union
We ensure flexible payment plans that suit your budget, helping you stay on track.
Yes, California title loans are legal, but they are regulated and have certain restrictions.
Lenders have specific requirements, and applications may be denied for these key reasons:
Low Vehicle Value – Not enough equity to secure the loan.
Existing Liens – Title must be clear of major loans.
Unstable Income – Proof of steady income is required.
Missing Documents – Must provide a valid title, ID, and income proof.
State Regulations – California limits loan amounts and terms.
In many cases, you can receive funds the same day if you apply early and submit the required documents.
While proof of income is required, it does not need to be a traditional paycheck. We accept various forms of income, including:
✔️Rental income
✔️Self-employment earnings
✔️Social Security benefits
✔️Disability payments
Yes, you can continue to drive your car while you have a title loan. The lender holds onto the title as collateral, but you retain possession and use of your vehicle during the loan term.
After paying off your title loan, the lender removes the lien and notifies the DMV. To get a clear title, visit your local DMV office with the lien release and complete a title transfer form (REG 227).
If you anticipate difficulty making a payment, contact us immediately. We may offer a grace period and alternative payment options to help you stay on track.
If you need fast cash, 5 Star Car Title Loans makes it easy and convenient to get a title loan in California.
📞 Call us now or apply online to get started!
We have multiple locations across California, including:
📍 Use our store locator to find a branch near you!
5 Star Car Title Loans is licensed and operates under California financial laws, ensuring fair and legal lending practices.
For any questions or more details about applying for a title loan, visit our FAQ page or contact us directly by phone.
🔗 For more details, visit:
Written by
Bryan Solis
Bryan Solis brings over a decade of expertise in the lending industry, specializing in auto finance, personal loans, and car title loans, with experience in both prime and subprime lending. Leveraging his academic foundation in Business Administration, he has played a role in in the growth of start-ups as well as driving sustained success in established organizations. Currently serving as Head of Sales at 5 Star Loans, he has demonstrated exceptional skills in operational leadership and client relationship management, contributing to the company’s success.
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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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