Title Loans Requirements
Title loan requirements are different for every state and can change based on the amount of the loan. However, the following are the most basic requirements needed to get approved.
During the approval process, please make sure you have all the checklist below. This will allow us to expediate your approval process so you can walk out with cash in your hands as fast as possible!

At 5 Star Car Title Loans, we understand that each one of our clients has a unique financial need. Our loan experts can help you be approved for a loan that suits your financial needs.
What Are The Auto Title Loans Requirements*?
A proof of income
You will need to provide a proof of income showing that you have the ability to repay back the loan. proof of income can be many things, including paystubs, social security income, disability funds, unemployment income, etc. If you are not sure regarding income requirements give us a call and we will be happy to answer any question you may have!
The vehicle’s title free from any liens
Proof of ownership on your vehicle is required for a title loan. Your title must be free and clear from any liens from other financial companies. If your vehicle is still financed through a financial institution, give us a call! You might still be eligible to qualify for a title loan depending on the payoff amount.
A government issued ID
You must show a government issued ID that is valid. You must be 18 years or older to qualify for a title loan.
Established residency
This title loans requirement can vary by state. Some states require you to provide proof of established residency.
Bankruptcy discharged or dismissed
This title loans requirement can vary by state. Some states require you to provide proof of established residency.
Vehicle insurance
There are cases when additional requirements are needed for a title loan. You can contact our loan experts at 323-870-9511 if you have any questions regarding title loans requirements!
*Loan approval is subject to meeting the lenders credit criteria, which may include providing acceptable property as collateral. Actual loan amount, term and Annual Percentage Rate of the loan that a consumer qualifies for may vary by consumer.
The loan application process is simple, free and with very few requirements. There is absolutely no obligation when you are applying for a car title loan. Give 5 Star Car Title Loans a call today! It only takes a few minutes to apply and get a free quote on your vehicle!
What Documents Do I need to Get a Car Title Loan?
In addition to the title loans requirements, we do ask that you provide us with certain documentation during the approval process.
The title for the vehicle
We will ask that you bring in your vehicle’s title at the time of approval. For online loans, we will ask that you send it via FedEx.
Proof of your ability to repay the loan
Proof of income can be many things: pay stubs, retirement income, bank statements or any other evidence that can show your ability to pay back the loan.
Personal references
We ask that you provide at least a few references who know you and can vouch for you.
Your employer’s details
If you are currently employed, we may ask for your employer’s details for verification.
Email address
Full and valid email address for communication.
Residential and mailing address
Must be your current residential or mailing address.
Proof of insurance
You might be required to have insurance. This depends mainly on the loan amount that you are trying to qualify for.
In some cases, proof of residency
Proof of residency is required only for certain states.
Pictures of the interior and exterior of the vehicle
Government issued ID
Car title Loans are famous for being simple and straightforward. In contrast with traditional bank loans, title loans tend to have very few requirements needed for approval
Title loans requirements FAQ’s
As part of our mission to provide you with the best information available on title loans requirements, here are some frequently asked questions many customers ask:
How much can I get on a title loan?
Most title loans range from $2,600 to around $20,000. However, since you accrue interest throughout the loan, we highly suggest that you take out the minimum amount that you need.
Do I need a bank account to get a title loan?
Absolutely not! A bank account is not a requirement for a title loan. while some lenders will require you to have a bank account, at 5 Star Car Title Loans, you can qualify for a title loan even without a bank account.
Can I get title loan if I still owe money on my vehicle?
Yes. You may qualify for a title loan with 5 Star Car Title Loans even if your vehicle is still financed through another lender. This is called a title loan buyout. Contact us to get more information on title loan buyouts or visit our website FAQ’s section.
Do I need insurance for a title loan?
Insurance may be required to be approved for a title loan. Insurance requirements are based on the amount you are seeking to take out on the loan, and the state you live in. Give us a call to find out if you need vehicle insurance to be qualified for a title loan!
Can I apply for a title loan online?
Yes. Our online process is simple and fast. It takes less than 5 minutes to fill out. We will contact you as soon as you complete the form to let you know if you are pre-approved for a title loan!
Can you get a title loan without a job?
While a job is not a requirement for a title loan, we do require you to show that you have the ability to pay back the loan. your proof of income can be various things such as bank statements, pay stubs, retirement income, disability income and any other income you may have.
How Fast Will I Get Approved?
Getting approved for a title loan takes about an hour. After you are approved it takes anywhere between 3-5 hours to complete the process and get your cash. Generally, getting your money depends on the availability of our loan offices and the amount of time necessary to fully complete your loan application.
Can I Keep My Vehicle?
Of course. You will always get to keep driving your vehicle for the duration of the loan, as long as you are making your payments on time. Once the loan is paid off in full, you will get the vehicle’s title back.
Still have questions? Check out more title loan FAQ page!
If you still have any questions regarding auto title loan requirements, check out our informative FAQ page on our website. Alternatively, you can give us a call at 323-870-9511 and we will be happy to assist you with any questions you may have!
Get Started with our Easy Application!
Applying for a title loan has literally never been easier. We have recently streamlined our application process so anyone can get it done in just a few minutes. No need to wait around for an answer from those traditional banks. You can get started on our loan application by choosing one of two ways:
Call our loan experts! We have a dedicated team ready to help you get your application stated. In a few short minutes you can be pre-approved for a title loan!
Fill out our online application* it takes less than five minutes complete. We will give you a free quote on your vehicle, so you know how much you are eligible to get!
As you can see, the application process for car title loans is fast and straightforward and with very requirements. With so few auto title loans requirements needed, most people walk out with cash in their hands the same day. No need to wait, contact 5 Star Car title Loans today!
*The online application could take five (5) minutes to complete. Upon completion, a conditional approval may be given pending review of documentation. Funding time is based on the time from final approval following receipt and review of all required documents and signing.