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Working drivers across the Commonwealth use title loans in Virginia to tap the value already in their vehicle without giving up the keys. Richmond and Norfolk lead the application volume we see in the state from month to month.
The car title loan is secured by your vehicle, the title is held only until the balance is cleared, and the car never leaves your driveway. Online applications are open every day, and approvals typically arrive within the hour.
$3,374
Average Loan Amount
$1,000 to $7,754
Typical Loan Range
2014
Avg Vehicle Year
1,061
Loans Funded
Based on 1,061 loans in Virginia from 2023 to 2026. Actual loan amounts vary based on your vehicle's condition, mileage, your ability to repay the loan, and Virginia regulations.
Recent funded loans in Virginia. Actual loan amounts vary based on vehicle condition, mileage, and Virginia regulations.
| Year | Make | Model | Miles | Funded Amount |
|---|---|---|---|---|
| 2022 | Toyota | Corolla | 64,000 | $3,200 |
| 2014 | Cadillac | Escalade | 130,000 | $4,718 |
| 2017 | Toyota | RAV4 | 102,000 | $6,243 |
| 2019 | Jeep | Grand Cherokee | 122,000 | $5,146 |
| 2009 | Dodge | Viper SRT-10 Roadster | 23,000 | $14,286 |
| 2014 | Ford | F150 | 200,250 | $3,586 |
| 2012 | Ford | F250SD | 212,000 | $8,093 |
| 2019 | BMW | 8-Series | 49,603 | $10,883 |
| 2013 | Toyota | RAV4 | 150,000 | $2,054 |
| 2017 | Mazda | CX-5 | 136,000 | $3,000 |
| Vehicle Make | Avg. Vehicle Value | Avg. Loan Amount | Borrowers |
|---|---|---|---|
| Toyota | $10,047 | $3,568 | 175 |
| Ford | $9,746 | $3,432 | 131 |
| Honda | $8,885 | $3,340 | 113 |
| Chevrolet | $8,878 | $3,365 | 113 |
| Nissan | $7,917 | $2,936 | 78 |
Top 5 vehicle makes financed in Virginia based on 1,061 loans. Actual loan amounts vary based on your vehicle's condition, mileage, your ability to repay the loan, and Virginia regulations.
5 Star Car Title Loans serves borrowers across Virginia, with a strong presence in Chesapeake, Newport News, and Hampton.
Borrowers across Virginia tap into their vehicle's equity for a range of real-world needs — from covering unexpected bills to bridging income gaps. Here are the most common reasons our customers request a title loan.
| # | Top Use |
|---|---|
| 1 | Moving Expenses or Security Deposits |
| 2 | Rent or Mortgage Payments |
| 3 | Urgent Vehicle Repairs |
| 4 | Appliance Replacement (Fridge, Oven) |
| 5 | Business Operating Capital (Small/Solo) |
| 6 | Childcare or Daycare Expenses |
| 7 | Credit Card Minimum Payments |
| 8 | Critical Home Repairs (Roof, Plumbing) |
Based on common use cases reported by Virginia borrowers across 1,061 funded loans.
Virginia is home to 8,811,195 residents across 229 incorporated cities and towns.
Top metros include Virginia Beach (1,441,890), Richmond (1,098,460), and Chesapeake (252,583).
On average, 4.1% of Virginia residents across the state's cities and towns are currently unemployed.
Source: U.S. Census Bureau & Bureau of Labor Statistics.
The median household income across Virginia cities and towns is $89,446.
Source: U.S. Census Bureau & Bureau of Labor Statistics.
| Loan Amount | Term | APR | Interest/Fees | Total Due |
|---|---|---|---|---|
| $500 | 12 months | 36% | $103 | $603 |
| $1,500 | 12 months | 36% | $308 | $1,808 |
| $2,500 | 12 months | 36% | $514 | $3,014 |
Lenders may also charge a monthly maintenance fee (up to $15/month), adding up to $180 per year on top of interest. Always ask your lender for the full APR before signing.
📖 Governing law: Virginia Motor Vehicle Title Loan Act (as reformed by Fairness in Lending Act 2020)
Sources: Virginia Motor Vehicle Title Loan Act; SCC Borrower Rights Pamphlet; Federal Truth in Lending Act (TILA), 15 U.S.C. §1601
To qualify for a car title loan in Virginia, applicants generally need to meet these requirements:
No, you do not need good credit to qualify. Title loans in Virginia are accessible to borrowers who do not qualify for traditional financing. Approval is based on your car's value and income rather than your credit score. A low score alone will not disqualify you.
Unemployment does not automatically disqualify you. Income must be verified under Virginia law, but many forms are accepted beyond traditional employment, including unemployment benefits, Social Security, retirement income, and freelance work. The key is demonstrating a consistent ability to repay.
Vehicle condition is one of the main factors in your loan amount. Market valuation guides are used to consider year, make, model, mileage, and physical condition. Your ability to repay is evaluated alongside vehicle value. Better condition generally means more borrowing power.
Yes, Virginia allows and regulates car title loans. Key protections include a 36% annual interest cap, a $2,500 maximum loan amount, loan terms of 6 to 24 months, and the right to cancel within 3 business days of signing. For complaints or license verification, visit scc.virginia.gov/bfi.
Stopping payments can result in repossession. In Virginia, the lender must give at least 10 days' written notice before selling the vehicle and allow you time to catch up. If the car sells for more than you owe, the surplus must be returned to you. Reach out to your lender before you miss a payment to explore options.
Older and high-mileage vehicles can still qualify for a title loan, though the loan amount will reflect the lower market value. Condition matters as much as age. A well-maintained vehicle with 150,000 miles may qualify for more than a newer car with significant mechanical issues.
Title loans typically provide 25% to 50% of your vehicle's value. In Virginia, the maximum loan amount is $2,500. Borrowers in Virginia usually receive between $500 and $2,500 depending on vehicle value and income.
In Virginia, VA, your vehicle can be repossessed if you miss a payment. You must receive written notice at least 10 days before the lender takes action. You can stop repossession by paying what you owe plus fees within that period.
5 Star Loans, Inc., dba
5 Star Car Title Loans™
473 E. Carnegie Dr.,
Suite 200
San Bernardino, CA 92408
NMLS ID 1442517
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1Applications submitted through this website are processed by 5 Star Loans™, Inc., dba 5 Star Car Title Loans™
2Applicants must be at least 18 years of age (19 in Alabama). Loans are not available in all states.
3Use of this website is free. We may share personal information with third-party service providers as necessary to process your loan request, in accordance with our Privacy Policy.
4USA PATRIOT ACT NOTICE: IMPORTANT INFORMATION ABOUT OPENING A NEW ACCOUNT. To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.
5Loan proceeds are intended primarily for personal, household, or family purposes. The minimum loan amounts differ according to various states. Consumers must prove their ability to repay the loan.
6Approving loans depends on meeting credit criteria and may 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.
7Title Loans can be expensive and are intended for short-term financial needs only. Consumers may have access to lower-cost alternatives. Paying the loan early may help reduce additional finance charges.
8Completing the application may take about five (5) minutes. Conditional approval may be issued pending document review. Final funding begins upon full approval and receipt of all required documents signed before 2 PM local time on a business day.
9Title Loan Notice: This loan is secured by your vehicle. If required payments are not made, your vehicle may be repossessed, and you could lose your car. Late or missed payments may be reported to consumer reporting agencies and could negatively affect your credit.
10For anyone experiencing difficulty with this website using a screen reader, please feel free to call (510) 992-4050 for assistance.
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