Fast Extra Cash
Sign up form
Keep keys & get cash
Pay loan & get title back
Looking to get a North Carolina title loan might seem scary because you often hear they are not allowed in the state and are illegal. Yes, it is true North Carolina has strict rules against these types of loans however there are some exceptions.4
If you are strapped for cash and are considering your options, getting a car title loan is still a possibility to secure funds despite the ban.
North Carolina’s plates remind everyone it’s 'First in Flight'—thanks to the Wright brothers' first takeoff here in 1903!
Key Alert: Yes, despite state restriction getting an Auto Title Loan in North Carolina is still possible. Lenders that are members of the FDIC operate under federal regulations may offer title loans in states such as North Carolina.
Important Notice: Borrowers should exercise caution and thoroughly review loan terms, interest rates, and lender credibility before applying. Always ensure the lender is legally compliant and transparent to avoid potential risks. 1
Start today to check your options and see how much you may qualify for-with no obligation.
Title loans are quick accessible secured loans that let individuals unlock cash from their vehicle’s title. Using your car title instead of your credit score enables you to have higher approval odds. The great thing is you can get money the same day and continue to drive your car while you repay the loan.1
Whether you have bad credit, no credit, or past financial struggles, you can still qualify. Approval is based on your car’s value and ability to repay the loan, making it a quick and hassle-free option when you need emergency funds.
Before applying, it’s essential to understand how title loans work and what’s legally allowed in North Carolina. By knowing your options and the state’s regulations, you can make informed decisions and find a safe, legal, and reliable loan that meets your financial needs.
Having a steady source of income and owning a vehicle with sufficient value is a good place to start to secure a car title loan. Lenders evaluate your car’s equity to determine how much you can borrow, often offering a percentage of its market value.1 A higher, more stable income can also increase your chances of approval. It may also qualify you for a larger loan amount, as it reassures lenders of your ability to make timely payments.
The loan amount you can receive typically is influenced by the current market value of your vehicle.
Loan amounts range from $100 to $15,000, depending on:
Lenders generally offer between 25% and 50% of your vehicle’s value when determining the loan amounts. Your ability to repay the loan is a critical factor considered by lenders in determining how much you can borrow.
Before taking out a loan you should know what to expect when it comes to APR, fees, and monthly payments. Each lender has its own policy for how much they lend and how much they charge it is important to understand. Below is is an example you can also use our car title loan calculator to get an estimate:
| Vehicle Model | Vehicle Value | Loan Amount | APR | Fees | Monthly Payment |
| 2019 Honda Accord | $15,000 | $7,500 | 36% | $75 | $250 - $300 |
This example illustrates how a car title loan on a 2019 Honda Accord worth $15,000. The borrower qualifies for a loan amount of $7,500 which is 50% of the car’s value. With an APR of 36% and an origination fee of $75 the monthly payment ranges from $250-$300 depending on the length of the loan.
To qualify for a North Carolina title loan you typically need to meet the following:
If you meet these general conditions you can go ahead and start the process towards getting a car title loan.
Getting an online title loan in North Carolina is a simple process that can be completed in just a few steps:
Yes, bad credit no problem! Auto title loans are designed specifically for people with bad credit or no credit history. Unlike traditional bank loans that rely on your credit score, title loans are based on your vehicle’s value and your ability to repay.1 If you’ve been denied a loan from a bank due to bad credit, a title loan can be a fast alternative to access the cash you need. As long as you have a steady income and a clear vehicle title, you may still qualify—even if other lenders have turned you away.
At 5 Star Car Title Loans, we make the title loan process fast, easy, and stress-free. Here’s why we may be a good choice:
Need fast cash in North Carolina? Start today and get the money you need without the hassle!
If you're considering an online title loan, it's worth exploring other options:4
Exploring different loan options can help you find the best financial solution for your needs.
Car title loans are not allowed in North Carolina under the Consumer Finance Act, which protects borrowers from high-interest lending and unfair loan terms. The state enforces strict regulations to prevent predatory loans and ensure fair lending practices.3
North Carolina also caps interest rates under § 24-1.1, making traditional high-interest title loans illegal. As a result, residents must explore alternative loan options if they need emergency funding.
The North Carolina Attorney General’s Office oversees lenders, while the North Carolina Commissioner of Banks requires lenders to be licensed to operate legally. However, because title loans are banned, no companies are legally allowed to offer them in the state—whether in-person or online.
| Factor | Details |
| Legality | Car title loans are banned in North Carolina. |
| Regulating Authority | The NC Attorney General’s Office oversees lending laws. |
| Licensing | Lenders must have a license from the NC Commissioner of Banks. |
| Restrictions | No title loan companies can legally operate in stores or online. |
| Workarounds | Some lenders operate from other states or under federal regulations. |
Losing your car due to missed payments can be stressful, but understanding how repossession works can help you avoid it. Repossession happens when a lender takes back your vehicle because you’ve defaulted on your title loan payments.
Since the loan is secured by your car, the lender has the legal right to repossess it if you fail to meet the agreed terms. This can happen quickly and without warning, depending on state laws and your loan contract.3
Planning ahead helps you keep your vehicle and avoid unnecessary risks.
Car title loans offer fast cash but come with high risks and interest rates. In North Carolina, they are heavily regulated, so it's important to find legal lenders.
Before applying, understand the title loan process like requirements and alternatives. Always check if you can afford repayment and explore other loan options to avoid unnecessary risks.4 Smart choices lead to safer financial solutions. Check out your options with no obligation by submitting an online request form.
No, you don’t always need good credit to get a loan; for example, car title loans prioritize collateral and income over credit history. So, if you have bad credit, there are options out there for you!
You won’t be able to get a car title loan unless you own the vehicle and have the title in your name. However, if you are almost done making payments on the car there is a chance you can still get a Title Loan. In this case the lender may payoff the existing balance and you will get the leftover cash.
No, you cannot qualify for a car title loan if the title is not in your name. To be eligible for a car title loan, you must have full ownership of the vehicle, with the title registered in your name.
However, If the title is in someone else's name and would like to get a title loan with that car you would need to have it transferred to your name to qualify for a car title loan.
No, there are generally no prepayment penalties for car title loans in North Carolina. This means you can pay off your loan early without incurring additional fees. Paying off your loan ahead of schedule can help you save money on interest and reduce your overall debt.4
You don’t have to leave your home to apply. Submit your information online for a car title loan. Just be sure to check the lender's credibility before proceeding!
You can usually get your money the same day after being approved for a title loan, often through direct deposit, check pickup, or MoneyGram. It's a fast way to access the funds you need!2
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.