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Part of the 5 Star Car Title Loans chain · locations
5 Star Car Title Loans in Boardman, OH
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 · Rating from CreditDoc methodology
5 Star Car Title Loans Review
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 need quick cash. 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 cash situations.
Services & Features
Auto title loans ($100–$50,000 loan amounts)
Cash advances using vehicle title as collateral
Flexible repayment terms
In-person loan applications at physical locations
Installment loans with fixed monthly payments (up to 24 months)
Motorcycle title loans
Multi-state lending across 18 states
No credit check title loans
No prepayment penalties
Online loan application and pre-qualification
Same-day cash loans
Semi-truck and commercial vehicle title loans
Feature Checklist
Mobile App
Online Portal
Score Tracking
Credit Education
Personal Advisor
Identity Theft Protection
Pros & Cons
Pros
- Same-day or next-day funding 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
- No prepayment penalties, allowing early repayment without additional costs
- Claims to serve customers with less-than-perfect credit without credit checks
- Available in 18 states with physical locations and online application option
- Transparent upfront terms with stated policy against hidden fees
- Accepts alternative collateral including motorcycles and commercial vehicles
Cons
- 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
- Loan availability and terms vary significantly by state; no clear disclosure of which terms apply where
- 4.7-star rating based on only 11 reviews, which is a small sample size for evaluating reliability
- Collateral-based lending means vehicle equity, not creditworthiness, determines approval—not a path to credit building
Rating Breakdown
Value 2.0
Effectiveness 1.5
Customer Service 2.2
Transparency 2.0
Ease of Use 3.9
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Frequently Asked Questions
Is 5 Star Car Title Loans legitimate?
Yes. 5 Star Car Title Loans is a registered company, headquartered in 6602 Market St, Boardman, OH 44512.
Quick Facts
- Headquarters
- 6602 Market St, Boardman, OH 44512
- BBB Accredited
- No
- Starting Price
- Contact provider
- Setup Fee
- None
- Money-Back Guarantee
- No
CreditDoc Diagnosis
Doctor's Verdict on 5 Star Car Title Loans
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.
Best For
- Vehicle owners with substantial car equity who need emergency cash quickly and can reliably repay within short timeframes
- Borrowers with poor credit who cannot qualify for traditional personal loans 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
Updated 2026-04-29
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Financial Wellness Guides
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Read guide →Financial Terms Explained (10 terms)
New to credit and lending? Here are the key terms used on this page, explained in plain language with real-number examples.
Interest & Rates
APR — Annual Percentage Rate
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.
Why it matters
Lenders must 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 cheapest 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.
Compound 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.
Why it matters
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.
MAPR — Military Annual Percentage Rate
A special APR calculation used for military servicemembers that includes ALL costs — fees, insurance, and add-ons — capped at 36% by federal law.
Why it matters
The Military Lending Act protects active-duty servicemembers and their families from predatory 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.
Usury Rate — Usury Rate (Interest Rate Cap)
The maximum interest rate a lender can legally charge in a particular state. Charging above this rate is called 'usury' and is illegal.
Why it matters
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.
How Loans Work
Collateral — Loan Collateral
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.
Why it matters
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.
Fees & Costs
Late Fee — Late Payment Fee
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.
Why it matters
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.
NSF Fee — Non-Sufficient Funds Fee
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.'
Why it matters
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.
Legal Terms
Usury — Usury (Illegal Interest)
The practice of charging interest rates higher than what the law allows. Usury laws set state-specific caps on how much lenders can charge.
Why it matters
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 might only need to repay the principal — no interest or fees.
Credit Cards
Cash Advance — Credit Card Cash Advance
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.
Why it matters
Cash advances are a debt trap: 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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