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Many Louisiana residents don’t have emergency savings and struggle to qualify for traditional bank loans due to strict credit requirements. Car title loans offer an easy alternative for fast cash. By using your car’s title as collateral, you can get same day cash without needing perfect credit. It’s a simple way to access funds when you need them most.2
Yes, Louisiana residents can access car title loans, despite certain state regulations. While traditional title loans are subject to specific state laws, lenders still offer this service to borrowers. For example, banks under FDIC jurisdiction, which aren’t bound by state regulations, may offer car title loan programs in Louisiana.3 However, title loans in Louisiana are heavily regulated to ensure fair lending practices and protect consumers.
Louisiana's plates have a little extra flair—some feature Mardi Gras colors, while others have a tiny pelican watching over you!
A Louisiana car title loan is a short-term loan that allows you to borrow money by using your vehicle’s title as collateral. After submitting your car title to the lender, you receive a cash loan based on your vehicle’s value. Having a lien free title is essential for obtaining an auto title loan.
Once approved, the lender places a lien on your car’s title, meaning they have legal claim to your vehicle until the loan is repaid. You can keep driving your car during the loan, but the title remains with the lender until you pay off the loan.
These secured loans make it easier for people with a bad credit history to borrow money. After paying off the loan, the lien is removed, and you regain full ownership of your car. Make sure to keep up with payments to avoid the risk of repossession.4
The get an auto title loan in Louisiana, you will need these requirements:
Getting a title loan in Louisiana is quick and easy. You can start online or over the phone. The loan process involves simple steps, and many lenders offer same-day loan approval. If you meet the requirements, you could have cash in hand within hours.2
Yes, one of the most appealing aspects of title loans is their accessibility to individuals with bad credit. In Louisiana, lenders focus primarily on the value of the vehicle and the borrower’s ability to repay the loan rather than their credit history. This makes title loans a viable option for those who might not qualify for traditional bank loans due to poor credit scores.1
Lenders typically assess the vehicle’s car’s equity and the borrower’s income to determine loan eligibility. This focus on the vehicle’s worth and the borrower’s repayment capacity allows people with bad credit to access the funds they need without the stringent credit checks associated with unsecured loans.
Thus, title loans provide a lifeline for those who need financial assistance but are hindered by their credit histories.
It is important you make an informed decision when considering a title loan in Louisiana. Always make sure you’re working with a licensed lender and that you fully understand the terms before agreeing to a loan.3
The Louisiana Office of Financial Institutions (OFI) regulates consumer lenders, including title loan companies, to ensure compliance with state laws. Lenders must be licensed by the OFI to operate in Louisiana, ensuring that they follow legal standards for fair lending practices.
Louisiana Motor Vehicle Sales Finance Act: This law governs loans secured by motor vehicles, including title loans. It outlines the rules for how these loans can be structured, including licensing and other consumer protection requirements.
Louisiana Consumer Credit Law: This law provides additional protections for borrowers, setting clear rules for interest rates and loan terms, and prohibiting unfair practices.
Title loans in Louisiana usually have short repayment terms, ranging from 30 days to a few months. If you fail to make payments on time and default on your loan, the lender can begin repossession of your vehicle.4
Before repossession, the lender must send a notice to your last known address, stating their intent to repossess the vehicle.
Lender Tip: Considering the costs of loans in the long run is crucial, as title loans can provide immediate financial relief but should be approached with caution. Always make sure you’re working with a licensed lender and that you fully understand the terms before agreeing to a loan.
While car title loans can provide quick cash, they may not be the best option for everyone. Consider these options for bad credit loans:
Title loans in Louisiana can provide fast relief in emergencies. They are easy to apply for, even if you have bad credit, and you can keep driving your car while repaying the loan. However, they come with risks like high interest rates and the possibility of repossession if the loan is not repaid on time.4 Always borrow responsibly and make sure you can meet the repayment terms before applying.
If there are multiple names on the vehicle title, all owners must agree to the loan, and all parties may need to be involved in the loan process.
In most cases, you have a right to cancel your loan within a specific period (usually a few days)3 after signing the loan agreement. Check with your lender to understand the cancellation policy.
No, if your car is being used as collateral for a title loan, you cannot sell it until the loan is paid off and the title is returned to you. Selling the car could result in the loan default and repossession.4
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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