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Are you an Illinois resident facing a financial emergency?
Get up to $4,000 with a same-day auto title loan. Use your car title to secure cash while keeping your car.
Whether you're in Chicago, Springfield, or anywhere in Illinois, we’re here to help.
Land of Lincoln! Illinois honors its most famous resident on every plate, but Abraham Lincoln wasn’t actually born here.
Yes, Illinois residents can access auto title loans, but with state-imposed limitations.
While Illinois law regulates these loans, some lenders, including FDIC-member banks, may offer auto title loan programs under federal guidelines rather than state restrictions.
If you’re facing a financial emergency in Illinois and need quick cash, a title loan can help.
Illinois state law allows borrowers to use their car, motorcycle, RV, or boat as collateral to secure a loan. This means you can borrow 25% to 50% of your vehicle’s value in exchange for temporarily giving the lender your vehicle title.
Once approved, you’ll receive your funds quickly and can continue driving your vehicle while making payments. Loan terms vary by lender but typically require full repayment, including fees, within a few months. Failure to meet the agreed terms may result in vehicle repossession.3
At 5 Star Car Title Loans, we offer a simple and fast solution for Illinois residents, including those with bad credit, no credit, or urgent cash needs.
Fill out a quick online request form to get pre-approved today—no obligations!2
Getting an online title loan in Illinois is simple. Follow these steps to apply and receive your funds quickly:
Fill out a short online request form—it takes about 5 minutes.2 You can start anytime from home and check if you pre-qualify.
Once pre-approved, you’ll need to provide documents for verification. Lenders typically require:
✔ Lien-Free Vehicle Title – Must be in your name and free of outstanding loans.
✔ Government-Issued ID – A valid driver’s license or state ID.
✔ Proof of Income – Pay stubs, bank statements, Social Security, or other income sources.
✔ Proof of Residency – A utility bill, lease agreement, or any document showing your Illinois address.
✔ Vehicle for Inspection – Some lenders may require an in-person or photo inspection.
Having these ready can speed up the approval process. Learn more about the essential car title loan requirements you must know.
If you meet all the loan requirements and agree to the terms, you’ll receive final approval. Once approved, you can get your funds within hours through direct deposit, check, or other payment options.2
Getting an auto title loan online in Illinois is a quick and hassle-free way to access cash without leaving your home.
Simply fill out our secure online form to get pre-approved, upload your documents from your phone, and review your loan contract. A loan decision is made within minutes.
If approved, funds can be deposited into your bank account within hours. From application to funding, the process is fast, efficient, and designed to get you the cash you need without any hassle!
Applying is fast and easy, even if you have bad credit or no credit history. You just need:
✔ A clear Illinois vehicle title (no existing liens)
✔ A Valid government-issued ID
✔ Proof of income (job paystubs, Social Security, disability, gig work, or benefits)
✔ A verifiable Illinois address
Do you need cash urgently but have bad credit?
Are you unemployed or facing unexpected expenses like medical bills or home repairs?
You may think getting approved for a loan is impossible. Many banks and traditional lenders turn away borrowers with low credit scores, making it tough to find the funds you need.
But here’s the good news—auto title loans offer a way to get emergency cash, even with poor credit. Unlike traditional lenders, title loan providers focus more on your car’s value and ability to repay rather than just your credit history.
Even if you don’t have a steady paycheck from a 9-to-5 job, you may still qualify by showing proof of alternative income sources, such as freelance work, benefits, rental income, or other earnings.
Since lenders take on more risk when approving poor credit borrowers, interest rates may be higher. However, if you own a qualifying vehicle and can show the ability to repay, a title loan could be the fastest way to get the cash you need.
✔ Get cash even if you have past bankruptcies
✔ Fast processing – Receive funds within hours of approval
✔ Keep your car – Use your title for a loan while continuing to drive
| Vehicle Model | Car Value | Loan Amount | Interest Rate | Monthly Payment | Loan Term |
|---|---|---|---|---|---|
| 2015 Toyota Corolla | $8,500 | $3,200 | 34% | $190 | 18 months |
| 2018 Ford Escape | $12,000 | $4,000 | 36% | $204 | 24 months |
| 2020 Honda Civic | $15,000 | $4,000 | 32% | $198 | 30 months |
| 2017 Chevy Malibu | $10,500 | $3,500 | 35% | $210 | 20 months |
| 2019 Nissan Altima | $14,000 | $4,000 | 33% | $195 | 26 months |
💡 Important: Illinois caps title loans at $4,000 or 50% of your income, whichever is lower.
Most borrowers receive their funds within hours. Here’s the process:
1️⃣ Apply Online or by Phone – Takes just minutes to check your eligibility.2
2️⃣ Instant Pre-Approval – Get a loan estimate within 30 minutes.
3️⃣ Submit Your Documents – Simple verification process with minimal paperwork.
4️⃣ Receive Your Money – Pick up cash the same day or choose direct deposit.
✔ Fully Legal & Regulated
✔ Bad Credit? No Problem!1
✔ Fast Cash for Emergencies
✔ Safe & Transparent
Illinois Consumer Installment Loan Act (CILA) licensees must report every vehicle title loan to a statewide database. This secure system verifies compliance with consumer protection laws and issues an authorization code only if the loan meets state regulations.
Need cash fast but don’t qualify for a traditional bank loan? A title loan lets you access quick funds using your car title.
With our online title loan process, you can apply in minutes and get title loan funds when you need them most. No long waits—just a simple and fast way to cover unexpected expenses.
📞 Call Us Today or 🌐 Apply Online
No, a checking account is not required to obtain a title loan in Illinois.
Yes, you retain possession and use of your vehicle while repaying the loan.
In Illinois, title loan lenders cannot immediately repossess your vehicle if you miss a payment. State law requires lenders to offer a repayment plan before taking any action.3
However, if you fail to meet the repayment plan terms, the lender may proceed with repossession. Always communicate with your title loan lender if you’re struggling to make payments to explore your options.
A car inspection is required to assess its condition and determine its market value, which impacts the loan amount. However, an in-person inspection may not be necessary. Many lenders accept online inspections, where you submit:
✔ Photos of the car from all sides
✔ Odometer reading (mileage)
✔ Vehicle Identification Number (VIN)
Once reviewed, you’ll receive an estimate without delay.
To obtain a title loan in Illinois, you must provide the original vehicle title. If you've lost it, you'll need to request a duplicate from the Illinois Secretary of State. Here's how:
Obtaining a duplicate title ensures you have the necessary documentation to secure a title loan in Illinois.
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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