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Boardman, OH's 5 Star Car Title Loans at 6602 Market St provides fast car title loans when you need immediate cash access.
Data compiled from public sources
Located at 6602 Market St in Boardman, OH, the 5 Star Car Title Loans storefront is a standalone facility specializing in car title loans. The Boardman branch is open Monday through Friday from 9 AM to 7 PM, Saturday from 10 AM to 5 PM, and closed Sundays—making it accessible during most working hours for Boardman residents and nearby customers.
At this Boardman location, the team evaluates your vehicle's title to determine loan amounts, offering a straightforward process for those who are researching short-term cash access. Call 330-862-9007 to discuss your specific situation, eligibility requirements, and available terms. The storefront handles title evaluations on-site and works to complete loans promptly.
If you're a Boardman resident considering a car title loan, bring your vehicle's title, proof of income, and valid ID to the Market St location. Title loans can move quickly when documentation is complete, often same-day. 5 Star Car Title Loans focuses on accessible lending for people in urgent expense context situations.
Review lender profiles, APR ranges, fees, minimum-score fields, and funding-speed notes before deciding what to do next.
This is state-level context for Emergency Cash consumers in Boardman, OH. It does not confirm that 5 Star Car Title Loans or this specific location is licensed.
State regulator
Ohio Department of Commerce Division of Financial Institutions
Consumer protection
Status: Permitted
Rate context: 28% APR maximum on short-term loans under HB 123 (2018); monthly maintenance fee up to 10% of original principal (maximum $30/month)
Amount context: $1,000
HB 123 (2018) substantially reformed Ohio payday lending. Short-term loans are capped at $1,000 with a minimum term of 91 days. Borrowers may have only one outstanding payday loan at a time. The Ohio Payday Loan Database (maintained by the Department of Commerce Division of Financial Institutions) tracks all payday loans to prevent excessive lending and debt traps. Lenders must verify borrower information in the database before issuing a loan.
Status: Permitted
Rate context: 8% APR general usury cap applies unless exempt; consumer finance lenders may operate under different rate structures with proper licensing
Installment loans are permitted in Ohio and regulated by the Ohio Department of Commerce Division of Financial Institutions. Licensed consumer finance lenders may charge rates above the general usury cap under Ohio Rev. Code § 1321.01 et seq., provided they comply with licensing requirements and disclosure obligations.
Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.
5 Star Car Title Loans offers 12 services including Auto title loans ($100–$50,000 loan amounts), Motorcycle title loans, Semi-truck and commercial vehicle title loans, Installment loans with fixed monthly payments (up to 24 months), Same-day cash loans, and 7 more.
5 Star Car Title Loans has profile signals associated with Vehicle owners with substantial car equity comparing emergency-cash timing and can reliably repay within short timeframes, Borrowers with poor credit who may not meet traditional personal-loan criteria but own a paid-off or nearly paid-off vehicle, Self-employed or gig workers who need flexible fast loans with no prepayment penalties for irregular cash flow needs, Individuals facing immediate expenses (medical, rent, repairs) who can access funds same-day without surrendering vehicle use.
Key strengths: listed funding timing available for approved applicants; Loan amounts up to $50,000, significantly higher than typical payday loans; Borrowers keep their vehicle and keys while receiving the loan. Areas to consider: APR rates and specific fee structures are not disclosed on the website, making true cost comparison impossible; Title loans carry high risk of vehicle repossession if payments are missed.
In the Emergency Cash category, comparable providers include Payday Loans Online Columbus, Second Chance Loans, Short Term Loans Euclid D & Associates, LLC. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.
CreditDoc Profile Note
5 Star Car Title Loans is best suited for vehicle owners facing genuine emergencies who have substantial equity in a paid-off or nearly paid-off car and can reliably repay within the loan term. The critical caveat is that APR rates and complete fee structures are not publicly disclosed—borrowers must contact the company directly to understand true costs before committing, and should carefully compare terms across lenders, as title loans typically carry significantly higher rates than traditional personal loans.
Advance America offers installment loans from $200–$1,000 in Columbus, OH via online or in-store applications, with multi-payment repayment terms as an alternative to payday loans.
Profile signals: Columbus-area borrowers needing $200–$1,000 for urgent car repairs or medical expenses, Applicants who prefer in-person interaction and want listed funding timing
1F Cash Advance offers payday and installment loans up to $1,000–$5,000 with provider-stated funding timing and eligibility claim to verify in Cleveland, Ohio.
Profile signals: Employed borrowers with stable income facing genuine emergencies (car repair, medical expense, utility shutoff) needing funds within 24 hours, Individuals with bad credit or no credit history who may not meet traditional personal-loan or credit-card criteria
Short Term Loans Euclid D & Associates offers payday loans and short-term cash advances up to $2,500 with fast online application and provider-stated funding timing in Euclid, Ohio.
Profile signals: Borrowers with short-term cash access emergencies needing $500-$1,000 quickly, Those unable to qualify for traditional bank loans due to credit issues
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Read guide →New to credit and lending? Here are the key terms used on this page, explained in plain language with real-number examples.
The total yearly cost of borrowing money, including the interest rate plus any fees the lender charges. Think of it as the 'true price tag' on a loan.
Lenders are required to show APR by law (Truth in Lending Act) because the interest rate alone can hide fees. Comparing APR across lenders is the most reliable way to find the lower-cost loan.
Example
You borrow $10,000 at 6% interest for 3 years, but there's a $300 origination fee. The interest rate is 6%, but the APR is 6.9% because it includes that fee. You'd pay $304/month and $946 total in interest.
Interest calculated on both the original amount borrowed AND the interest that's already been added. It's 'interest on interest' — and it makes debt grow faster than you'd expect.
Credit cards and many loans use compound interest. If you only make minimum payments, compound interest is why a $3,000 balance can take 15 years to pay off.
Example
You owe $1,000 at 20% annual interest compounded monthly. After month 1 you owe $1,016.67. Month 2, interest is charged on $1,016.67 (not $1,000), so you owe $1,033.61. After 1 year without payments: $1,219.
A special APR calculation used for military servicemembers that includes ALL costs — fees, insurance, and add-ons — capped at 36% by federal law.
The Military Lending Act protects active-duty servicemembers and their families from high-cost lending. Any lender charging above 36% MAPR to military is breaking federal law.
Example
A payday lender charges a $15 fee per $100 borrowed for 2 weeks. For civilians, that's technically legal in some states. For military: that works out to 391% MAPR — illegal under the MLA.
The maximum interest rate a lender can legally charge in a particular state. Charging above this rate is called 'usury' and is illegal.
Usury laws are your main legal protection against predatory interest rates. But beware: some states have weak or no usury caps, and federal banks can sometimes override state limits.
Example
New York caps interest at 16% for most consumer loans (25% is criminal usury). If a lender tries to charge you 30% in NY, that loan is unenforceable — you could fight it in court.
An asset you pledge to the lender as security for a loan. If you stop paying, the lender can seize and sell that asset to recover their money.
Secured loans (with collateral) have lower interest rates because the lender has less risk. But you could lose your home, car, or savings if you default.
Example
A mortgage uses your house as collateral. A car loan uses your vehicle. A title loan uses your car title. If you miss payments, the lender can foreclose or repossess.
A charge added to your account when you miss a payment deadline. Most credit cards charge $29-$41 per late payment, and many loans have similar penalties.
The fee itself hurts, but the real damage is to your credit score. A payment 30+ days late stays on your credit report for 7 years and can drop your score 60-110 points.
Example
Your credit card payment of $150 is due March 1. You pay on March 18. The bank charges a $39 late fee. If it's 30+ days late, it gets reported to credit bureaus and your 760 score drops to 670.
A fee your bank charges when a payment bounces because there isn't enough money in your account. Also called a 'bounced check fee' or 'returned payment fee.'
NSF fees hit you twice — your bank charges you AND the company you were trying to pay may charge their own returned payment fee. That's $50-70 for one missed payment.
Example
Your auto-pay tries to pull $350 for rent, but you only have $280 in checking. Your bank charges $35 NSF fee. Your landlord charges $25 returned payment fee. Total damage: $60 in fees.
The practice of charging interest rates higher than what the law allows. Usury laws set state-specific caps on how much lenders can charge.
If a lender charges usurious rates, the loan may be void, penalties can be reduced, or you may be entitled to damages. Know your state's limits.
Example
Your state caps consumer loans at 24% APR. An online lender charges you 36%. That loan may be unenforceable, and you may only be required to repay the principal — no interest or fees.
Using your credit card to get cash from an ATM or bank. It's one of the most expensive ways to borrow — higher interest rate, immediate interest accrual (no grace period), and an upfront fee.
Cash advances are a repeat-borrowing risk: 25-30% APR with no grace period plus a 3-5% fee. Interest starts the second you withdraw, not at the end of the billing cycle.
Example
You take a $500 cash advance. Fee: $25 (5%). Interest: 28% APR starting immediately. After 30 days, you owe $536.67. After 6 months of minimum payments, you've paid $85 in interest on $500.
Want to learn more? Read our Financial Wellness Guides for in-depth explanations and practical advice.
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