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If you’re in Oklahoma and need quick cash, a title loan might be the solution. These online title loans use your car’s title as collateral, making it easy to get cash, even if you have bad credit.1
Key Alert: Yes, title loans are legal in Oklahoma. The state allows you to borrow money by using your car's title as collateral. These online title loans are fast, easy to apply for, and are a great option for those who need quick cash and own a vehicle. Lenders who are members of the FDIC and follow federal regulations may provide title loans in states like Oklahoma.
Oklahoma’s scissor-tailed flycatcher plate is beautiful, but it once had a cowboy on it to honor the state’s rodeo roots!
An Oklahoma title loan is a type of short-term loan that allows you to borrow money using the title of the car you own. Having a clear title is crucial for obtaining a title loan, as it ensures that the vehicle is free of any liens.
While you retain the ability to drive your car, the lender holds the title until the loan is fully repaid. The loan amount is typically based on your vehicle’s value, which includes factors like the make, model, mileage, and overall condition of the car. These loans provide same day funding and go up to $50,000.2
This type of loan is ideal for those in urgent need of cash and is often easier to qualify for than traditional loans. Although title loans are ideal for quick financial relief, they come with risks. Failing to repay the loan can result in repossession of your vehicle, so it’s important to fully understand the loan terms and ensure you can meet the repayment requirements.4
To get an auto title loan in Oklahoma, you don’t need a perfect credit score. The lender will mainly look at:
The entire process is simple:
The entire process, from application to receiving funds, is streamlined and efficient, ensuring a stress-free and transparent experience for our clients.
The amount you can borrow for an online title loan depends on your car's value and any outstanding loans you may have. In Oklahoma, you can borrow between $500 and $50,000, depending on the condition of your vehicle and your ability to repay the loan. Usually the lender lets you borrow 25%-50% of the vehicle value.
Once your application is approved, you can receive your cash within a few hours or by the next business day. If you apply before 2pm in the lender time zone, you may get your funds the same business day.2
Repayment terms for title loans in Oklahoma typically range from 30 days to several months, depending on the lender and the amount you borrow. Some lenders may offer extensions, but be mindful that extending your loan may increase the total interest.4
*Disclaimer: 5 Star Car Title Loan’s title loan calculator can save you time and money in your loan process and is another tool provided in order to help our customers make the most informed decisions possible.
Repossession is when the lender takes back your vehicle because you’ve missed payments on your car title loan. The lender sells the car to recover the amount you owe.4 Make sure you can repay the loan on time to avoid losing your vehicle. If the lender you are working with reports to the credit bureaus the repossession will affect your credit history and impact your ability to get a future car title loan.
If you’re considering a car title loan but want to explore other options, here are some alternatives:
In Oklahoma, car title loans are regulated to protect consumers from unfair lending practices. These regulations ensure that lenders operate transparently and fairly.
The Oklahoma Consumer Credit Code governs the interest rates and terms of title loans, protecting borrowers from unfair practices
The FTC, while primarily focused on federal consumer protection, also plays a role in the title loan industry. They may investigate complaints, conduct enforcement actions, and educate consumers about the risks and potential pitfalls of title loans.
*Disclaimer: FDIC members banks may charge higher interest rates and may be able to lend a higher amount.
Title loans in Oklahoma provide quick access to cash when you need it, with simple approval processes and minimal paperwork. The convenience of competitive rates, and a smooth application process make borrowing more accessible. However, it's essential to understand the risks, such as high interest rates and the possibility of repossession.4 Be sure to assess your ability to repay the loan before committing.
If you wish to get started on your loan request yourself simply fill out our online inquiry which only takes a few minutes to complete. If you wish to speak with someone, please give us a call today. Our loan agents are waiting to help you with any question or concern.
In Oklahoma, title loans do not typically require a minimum credit score.1 Lenders focus more on the value of your vehicle and your ability to repay the loan rather than your credit history. This makes title loans accessible to those with bad credit or no credit history.
The approval process for title loans in Oklahoma is usually swift. Once you submit your request and provide the necessary documents, you can get pre approved in minutes and can receive approval within a few hours. Some lenders may even offer same-day funding, allowing you to access your funds quickly.2
Yes, some lenders in Oklahoma offer title loans without conducting a traditional credit check. Others run a credit check but are not too concerned with the credit score. The equity in your car and having a stable income will play the biggest role in your approval.1
Typically, you can only have one title loan per vehicle at a time. This is because the car's title is used as collateral for the title loan, and it must be free of any liens or other claims. Having multiple loans on the same vehicle would complicate the lender's ability to repossess the car if you default on the loan. Therefore, if you need additional funds, you may need to explore other options such as personal loans or unsecured loans.
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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