V
Venture Payday Loans
Contact
BBB:
Part of the 5 Star Car Title Loans chain · locations
5 Star Car Title Loans in Miramar, FL
Miramar, FL location of 5 Star Car Title Loans at 2011 Palm Ave, offering quick title loans for emergency cash needs.
Data compiled from public sources · Rating from CreditDoc methodology
5 Star Car Title Loans Review
5 Star Car Title Loans is located at 2011 Palm Ave Bay A in Miramar, FL, serving the surrounding community with convenient access. This standalone storefront operates Monday through Friday from 9 AM to 7 PM, with Saturday hours from 10 AM to 5 PM, and is closed on Sundays. Walk-in customers are welcomed without appointments.
At the Miramar location, the team provides title-secured loans based on the equity in your vehicle. Call 786-788-7567 to discuss loan amounts, repayment terms, and documentation requirements, or visit in person. This Miramar branch specializes in fast processing for residents facing unexpected expenses who need rapid cash access.
When visiting, bring your vehicle title, valid government-issued ID, and proof of residency or insurance. Title loans work well for Miramar residents with limited credit options seeking an alternative lending source. 5 Star Car Title Loans is known for straightforward, no-nonsense processing.
Services & Features
Free pre-qualification assessment
In-person application at physical locations across 18 states
Installment loans with fixed monthly payments and up to 24-month repayment terms
Motorcycle title loans and semi-truck title loans
Online application and approval process
Same-day loan funding for approved applicants
Title loan quotes and estimates
Vehicle title loans with loan amounts $100-$50,000
Feature Checklist
Mobile App
Online Portal
Score Tracking
Credit Education
Personal Advisor
Identity Theft Protection
Pros & Cons
Pros
- No prepayment penalties—borrowers can pay off loans early without additional fees
- Same-day funding available for approved applicants
- Allows borrowers to keep and drive their vehicle while using it as collateral
- Wide geographic availability across approximately 18 states with multiple physical locations
- Accepts alternative vehicle collateral including motorcycles and semi-trucks
- Loan amounts up to $50,000 for larger cash needs beyond typical emergency loans
- 256-bit SSL and TLS security encryption for online applications
Cons
- Interest rates and APR not disclosed on website; title loans typically carry significantly higher costs than traditional personal loans
- Risk of vehicle repossession if payments are missed, putting primary transportation at risk
- Loan terms and availability vary substantially by state, limiting accessibility in some regions
- No mention of credit counseling, financial education, or alternative products for borrowers seeking to improve credit standing
Rating Breakdown
Value 2.0
Effectiveness 1.5
Customer Service 2.2
Transparency 2.0
Ease of Use 3.9
Compare the Best Personal Loan Options
See which lenders actually approve borrowers with bad credit. We compared APRs, fees, minimum scores, and funding speed.
Frequently Asked Questions
Is 5 Star Car Title Loans legitimate?
Yes. 5 Star Car Title Loans is a registered company, headquartered in 2011 Palm Ave Bay A, Miramar, FL 33025.
Quick Facts
- Headquarters
- 2011 Palm Ave Bay A, Miramar, FL 33025
- 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 with poor or no credit who need immediate cash and have significant equity in their vehicle. The critical caveat is that title loans are high-cost borrowing products with APRs typically ranging from 100-300% annually, and borrowers risk losing their vehicle if they cannot maintain payments—this should only be considered after exploring lower-cost alternatives.
Best For
- Vehicle owners with immediate cash needs and fair/poor credit who cannot qualify for traditional personal loans
- Borrowers facing urgent expenses (rent, medical bills, car repairs) who need same-day or next-day funding
- Consumers with significant vehicle equity who need access to larger loan amounts ($10,000-$50,000)
Updated 2026-04-29
More Emergency Cash
U
USA Payday Cash Loans Memphis
Contact
BBB:
U
USA Cash Services
Contact
BBB:
Financial Wellness Guides
How to Read Your Credit Report (And Spot Errors)
Your credit report contains the raw data behind your score. Learn what's in it, how to read it, and how to dispute errors that could be dragging your score down.
Read guide →Buy Now, Pay Later: How BNPL Really Affects Your Credit
Klarna, Afterpay, Affirm — they make spending easy. But what happens to your credit score when you use them? Here's what the fine print doesn't tell you.
Read guide →Understanding Your Credit Score: The Complete Guide
Learn what makes up your credit score, how it's calculated, what the ranges mean, and how to check yours for free.
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.
Affiliate Disclosure: CreditDoc may earn a commission when you click links to 5 Star Car Title Loans and other services. These commissions help us maintain our free research. Our editorial team independently evaluates all services. Compensation does not influence our ratings or rankings. Learn more.