Title Loans Services
Secured Title Loans
We offer flexible title loan services that let you unlock the value of your vehicle without giving it up.
Our loans include car title loans (also called auto title loans or vehicle title loans), giving you fast access to cash when you need it most. By using your vehicle title as collateral, you can borrow money while still driving your car.
Types of Title Loans We Offer
At 5 Star Car Title Loans, you can choose from several options depending on your vehicle:
ATV Title Loans
Get fast cash using your all-terrain vehicle’s title while still keeping and riding your ATV.
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*Other Vehicle Loans – Specialty vehicles may also qualify depending on their value.
Title Loan Services – Key Details
| Loan Feature | Details |
| Loan Amount | $2,600 – $50,000 |
| APR | Up to 150% |
| Repayment Term | 2 to 4 years |
| Type of Loan | Secured Title Loan |
| Collateral Required | Yes, vehicle title |
| Origination Fee | Up to 10% of loan amount |
Loan terms, rates, and fees vary by state regulations and lender policies.
What Is a Title Loan?
A title loan is a secured loan that lets you use your vehicle title as collateral in exchange for funding. Your loan amount depends on the equity in your vehicle and your ability to repay, not just your credit score.
This makes title loans accessible to borrowers who may not qualify for traditional bank credit or who may have a bad credit score.
How Do Title Loans Work?
The process to get fast cash is straightforward:
- Apply online or in person by providing basic details about your vehicle.
- Submit documents such as your vehicle title, proof of income, and identification.
- Get approved based on your car’s value and repayment ability.
- Receive funds, often the same day, and continue driving your vehicle.
- Repay in installments over the agreed term. Once repaid, your title is returned to you.
How Much Can You Borrow?
With a title loan, you can typically borrow 25% to 50% of your vehicle’s current market value. Loan amounts usually range from $2,000 up to $50,000, depending on factors such as the make, model, mileage, and condition of your vehicle. Lenders will also consider your proof of income to ensure you can manage monthly payments.
The higher your car’s value and the stronger your repayment ability, the more you may qualify to borrow.
Example of a Car Title Loan
Sarah owns a 2018 Toyota Camry in good condition with a market value of about $12,000. She needs cash quickly to cover unexpected medical bills and some household repairs. Because her car is fully paid off and she has steady monthly income, she qualifies for a $6,000 car title loan.
- Loan Term: 24 months
- APR: 90%
- Estimated Monthly Payment: Around $575 (including fees)
Sarah receives her funds the same day she applies, which allows her to take care of her urgent expenses without delay. She chooses to make consistent payments, but if she decides to repay the loan early, she can save hundreds of dollars in interest because there are no prepayment penalties.
However, if Sarah falls behind on payments, she could face late fees, and in the worst case, risk losing her vehicle. This is why it’s important to borrow only what you can afford and have a clear repayment plan.
Try Our Title Loan Calculator
Want to see how much you could borrow and what your payments might look like? Use our Title Loan Calculator to estimate your potential loan amount, repayment term, monthly payments, and total cost.
This tool helps you plan ahead and understand the full cost of borrowing before you apply, making it easier to decide if a title loan is right for you.
What To Know About Car Title Loans
Before applying, it’s important to understand the costs and risks. Title loans can have high interest rates and fees, which may make repayment expensive if you keep the loan for a long period. Borrowers should carefully review the loan agreement and ensure they can meet the terms.
Benefits of a Title Loan
- Borrow against your car’s value without giving it up
- Fast approval with funding often available the same day
- Loan amounts from $2,000 up to $50,000
- Repayment terms between 2 and 4 years
- No penalties for early repayment
Risks of Title Loans
While title loans can provide quick financial relief, there are risks to consider:
- High APRs may make repayment costly if the loan extends over time.
- Missed payments can lead to fees, additional charges, or repossession of your vehicle.
- Short repayment cycles may put pressure on your budget if you borrow more than you can manage.
Title loans should be used for short-term financial needs, not long-term solutions.
What Do You Need to Apply for a Title Loan?
Most borrowers will need:
- A clear vehicle title
- Proof of income
- Government-issued photo ID
- Proof of residence
Requirements may vary depending on your state.
Why Choose 5 Star Car Title Loans?
- Trusted provider with years of experience
- Transparent terms and no hidden fees
- Licensed and compliant with state lending laws
- Customer-focused support and flexible repayment options
Get Started With a Title Loan
Need fast cash without giving up your vehicle? A title loan could be the right solution. Start your application today and find out how much you can borrow using your car’s value.
