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5 Star Car Title Loans in Cleveland, OH

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Cleveland's 5 Star Car Title Loans at 19411 Nottingham Rd provides fast title loans and emergency cash advances to Ohio residents.

Data compiled from public sources

5 Star Car Title Loans Review

5 Star Car Title Loans operates at 19411 Nottingham Rd, a standalone storefront in Cleveland, OH. The location maintains extended hours—open Monday through Friday from 9AM to 7PM, Saturday 10AM to 5PM, and closed Sundays. This Cleveland store serves residents seeking quick access to title loans and payday advances.

Customers visiting the Cleveland, OH location can apply for title loans, payday loans, and emergency cash advances. Contact the 19411 Nottingham Rd storefront at 216-238-0241 to discuss your specific needs. The team at this Cleveland location guides applicants through eligibility requirements and the approval process.

When visiting the Cleveland location at 19411 Nottingham Rd, bring a valid ID, proof of residence, and vehicle documentation. 5 Star Car Title Loans in Cleveland provides straightforward service to help OH residents address urgent financial emergencies quickly.

Services & Features

Auto/car title loans (collateral-based, keep vehicle)
Free pre-qualification
In-person loan application at branch locations
Installment loans (up to 24-month terms)
Loan amounts from $100 to $50,000
Motorcycle title loans
Multi-state branch network (~18 states)
No-credit-check underwriting
Online loan application
Same-day cash loans
Semi-truck title pawn

Feature Checklist

Mobile App
Online Portal
Score Tracking
Credit Education
Personal Advisor
Identity Theft Protection

Pros & Cons

Pros

  • Borrower keeps and drives the vehicle throughout the loan term
  • provider-stated funding timing available for qualified applicants
  • No prepayment penalties — pay off early without extra fees
  • Licensed and regulated lender, not a tribal or offshore structure
  • Asset-based underwriting — poor or no credit history accepted
  • Online or in-person application with stated approval in minutes
  • Operates since 2012 with 255,000+ loans funded across ~18 states

Cons

  • APR not disclosed on the website — title loans typically carry triple-digit rates
  • Vehicle can be repossessed if the borrower defaults on payments
  • Only available in approximately 18 states; many US residents are ineligible
  • Only 11 public reviews despite 14 years of operation, limiting third-party validation
  • Loan terms and amounts vary by state, meaning advertised maximums may not apply locally

Compare Personal Loan Options

Review lender profiles, APR ranges, fees, minimum-score fields, and funding-speed notes before deciding what to do next.

State Consumer Finance Context

This is state-level context for Emergency Cash consumers in Cleveland, 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

Payday loan rules in Ohio

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.

Installment loan rules in Ohio

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.

Key state rules to check

  • HB 123 (2018) reformed payday lending with 28% APR cap plus a monthly maintenance fee.
  • Short-term loans capped at $1,000 with minimum term of 91 days.
  • Monthly maintenance fee of up to 10% of original principal (max $30/month).

Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.

Frequently Asked Questions

What services does 5 Star Car Title Loans offer?

5 Star Car Title Loans offers 11 services including Auto/car title loans (collateral-based, keep vehicle), Motorcycle title loans, Semi-truck title pawn, Installment loans (up to 24-month terms), Same-day cash loans, and 6 more.

What profile signals are listed for 5 Star Car Title Loans?

5 Star Car Title Loans has profile signals associated with Vehicle owners with poor or no credit comparing emergency-cash timing, Borrowers who need provider-stated funding timing for urgent bills, rent, or repairs, People with vehicle equity but no access to personal loans or credit cards, Borrowers in the ~18 served states who want a licensed, regulated title lender.

What are the strengths and weaknesses of 5 Star Car Title Loans?

Key strengths: Borrower keeps and drives the vehicle throughout the loan term; provider-stated funding timing available for qualified applicants; No prepayment penalties — pay off early without extra fees. Areas to consider: APR not disclosed on the website — title loans typically carry triple-digit rates; Vehicle can be repossessed if the borrower defaults on payments.

How does 5 Star Car Title Loans compare to similar companies?

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.

Quick Facts

Headquarters
19411 Nottingham Rd, Cleveland, OH 44110
BBB Accredited
No
Visit 5 Star Car Title Loans

CreditDoc Profile Note

Research Note on 5 Star Car Title Loans

5 Star Car Title Loans is best suited for vehicle owners who have an urgent expense context need, cannot qualify for mainstream credit, and are comfortable using their car title as collateral. The main caveat is that title loan APRs are rarely competitive — borrowers should obtain the full APR disclosure before committing, and should treat this as a last-resort option given the repossession risk on a vehicle they may depend on.

Profile Signals

  • Vehicle owners with poor or no credit comparing emergency-cash timing
  • Borrowers who need provider-stated funding timing for urgent bills, rent, or repairs
  • People with vehicle equity but no access to personal loans or credit cards
  • Borrowers in the ~18 served states who want a licensed, regulated title lender
Updated 2026-05-08

Similar Companies

Payday Loans Online Columbus logo

Payday Loans Online Columbus

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.

BBB: NR

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

Second Chance Loans logo

Second Chance Loans

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.

BBB: NR

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, LLC logo

Short Term Loans Euclid D & Associates, LLC

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.

BBB: NR

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

Compare Your Needs With 5 Star Car Title Loans

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Quick Summary

  • 5 Star Car Title Loans is listed as a Emergency Cash provider in Cleveland, OH on CreditDoc.
  • Use this page to check contact details, location, listed services, review signals, FAQs, and similar providers before deciding what to do next.
  • If you need a loan, account, installment option, credit help, or debt support, start with the fit quiz and compare alternatives before contacting a provider.
  • For broader context, continue into the free Credit Fundamentals course or a relevant financial wellness guide.

Financial Wellness Guides

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 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.

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 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.

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 may only be required 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 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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