Fast Extra Cash
Sign up form
Keep keys & get cash
Pay loan & get title back
Auto title loans in Indiana offer a quick way to access cash using your vehicle’s title as collateral. Indiana title loans are accessible to individuals with various credit backgrounds, promoting loans for all credit types.
If you're an Indiana resident in need of fast cash, a title loan could be a solution.4 Knowing the requirements, process, and state regulations can help you make a well-informed choice.
Indiana’s plates once had a torch and stars, but some designs also honored race cars—the Indy 500 is in its DNA!
Key Update: Yes, Indiana residents have access to obtain auto title loan funds. Although the state enforces regulations on car title lending, certain financial institutions still provide these loans. For example, some federally regulated banks that are FDIC-insured operate under national guidelines, allowing them to offer title loans in select states, including Indiana.
Important: Always verify that your lender is licensed and compliant with Indiana’s regulations. If you're considering a title loan, start today and speak with a loan agent to check your options and see how much you may qualify for—with no obligation! 1
A car title loan is a short-term, secured loan where a borrower uses their vehicle title as collateral to access cash usually the same day. The lender holds the title until the loan is repaid, but the borrower can still drive the vehicle during the loan term. Title loans are often used for emergency expenses since they have fast approval and minimal credit requirements.
Many Indiana residents choose title loans because they have simple requirements and don’t rely heavily on credit scores. Lenders usually base the loan amount on the vehicle’s value and income. Unlike bank loans, title loans typically don’t require a minimum credit score.1 This makes them a popular choice for those with poor credit or no credit history.
If you’re considering a title loan in Indiana, the amount you can borrow depends on your vehicle’s value and income. Typically, car title loan lenders offer 25% to 50% of your car’s value. Loan amounts range from $500 to $50,000, this varies by lender. The more value you have in your car the higher the loan amount may be. These lenders focus on the vehicle's equity rather than solely on credit scores, making it easier for applicants to acquire loans despite financial challenges.
Your income also matters when applying for a title loan. A steady paycheck can help you qualify for a higher loan amount and more flexible repayment terms. Lenders want to see that you can comfortably repay the loan, so having consistent income increases your chances of approval.
If you have bad credit and need quick cash, a title loan in Indiana could be the solution. Having a bad credit score can prevent you from getting traditional bank loans, meanwhile title loans offer the option to still obtain the cash you need.1 Instead of just looking at your full credit report and credit history the title loan approval is based on your vehicle’s equity and ability to repay the loan. This makes them a great option for those with poor credit or no credit history.
Note: Interest rates may be higher for borrowers with low credit scores, and failure to repay the loan could result in vehicle repossession. We recommend using title loans only as a last resort or for true financial emergencies.
A title loan in Indiana provides fast cash with a simple and convenient process. Here are some key benefits:
5 Star Car Title Loans also offers comprehensive title loan services, ensuring a hassle-free loan process for potential borrowers.
Getting an online title loan in Indiana is quick and easy offering convenience and rapid access to funding. Start by filling out a simple online form2 or calling us to begin the title loan process. You’ll need to provide basic details about yourself and your vehicle, which will be used as collateral for the loan.
Both options offer fast approval and minimal paperwork, allowing you to access cash without hassle. Start today and find out how much you can borrow with a title loan in Indiana!
To be eligible for a title loan in Indiana, most lenders require the following:
To apply for a title loan in Indiana, you’ll need to provide the following documents:
Title loan funds can be used for various personal loan expenses, including:
Title loans provide quick access to cash making them suitable for unexpected urgent financial needs.
Lender Tip: 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.4
The lender will take into account your car’s history and evaluate your car’s value based on its make, model, year, mileage, and condition. Once the loan contract is approved, a lien is placed on your vehicle’s title, giving the lender a legal claim to your car until the loan is fully repaid. Once the loan is repaid, the lien is removed, and you regain full ownership of your title
While your title is used as collateral, you can still drive your vehicle during the loan term as long as you keep up with payments. Unlike some other types of collateral loans borrowers can continue driving their car.
If you miss payments on a title loan in Indiana, the lender has the right to repossess your vehicle.4 The timeline for repossession depends on Indiana state laws and the terms of your loan agreement.
To get your car back, you may need to pay past-due amounts, the full loan balance, and any repossession fees. Some lenders may offer payment extensions or other options to help you avoid losing your vehicle. It’s important to communicate with your lender if you're struggling to make payments.
Indiana Department of Financial Institutions (DFI): The DFI's Consumer Credit Division oversees and regulates title loan lenders in Indiana, ensuring compliance with state statutes and consumer protection laws.
Indiana enforces strict regulations to protect borrowers from predatory lending. If you're considering a title loan in Indiana, always check that the lender is licensed and offers clear, legal terms.
*Disclaimer: FDIC members banks may charge higher interest rates.
A title loan in Indiana is a quick way to get cash fast, even if you have bad credit.1 These loans have high approval and competitive interest rates. You can often receive funds within one business day2 while keeping your vehicle during the loan term.
However, it’s important to understand the risks. Title loans come with high interest rates, and missed monthly payments could lead to vehicle repossession.4 Always read the loan terms carefully and choose a lender that follows Indiana state regulations to ensure a fair and legal lending process.
If you need fast cash and own your car outright, a title loan in Indiana could be the right solution. Check out your options with no obligation by submitting an online loan request form.
Most title loan lenders do not require a minimum credit score1, making them accessible to individuals with poor credit. There is usually no minimum credit score requirement for obtaining a title loan, as the vehicle’s value is the primary factor.
A significant risk of vehicle title loans is the possibility of losing your vehicle if you fail to repay.4 High interest rates and fees associated with title loans can lead to a cycle of debt. Approximately 20% of individuals who take out car title loans end up having their vehicles repossessed.
Some lenders install GPS devices in borrowed vehicles to aid in repossession if payments are missed.
Lenders usually require proof of insurance for vehicles used as collateral to ensure coverage in case of an accident. This requirement aims to protect the lender’s investment if the vehicle is damaged or lost.
While not legally mandatory, many lenders ask for proof of insurance to mitigate their risk. If a vehicle is damaged or totaled without insurance, the lender may lack collateral, making insurance a common requirement.
In Indiana, borrowers can pay off title loans early without penalties, except for specific conditions related to real estate-secured loans. This flexibility helps borrowers manage finances more effectively and avoid extra costs.
Creditors must provide an accurate payoff amount within seven business days of a borrower’s request, ensuring transparency.
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.
Social Media
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.
For anyone experiencing difficulty with this website using a screen reader, please feel free to call (510) 992-4050 for assistance.
© 2025 5 Star Car Title Loans. All rights reserved.