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5 Star Car Title Loans in Tampa, FL

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1127 E Twiggs St in Tampa, FL is home to 5 Star Car Title Loans, your source for fast title loans and payday advances.

Data compiled from public sources

5 Star Car Title Loans Review

5 Star Car Title Loans operates at 1127 E Twiggs St in Tampa, FL, providing accessible auto title loans and payday advances to local customers. The store is open Monday through Friday, 9 AM to 7 PM, and Saturday, 10 AM to 5 PM; it is closed Sundays. For immediate questions, contact the location at 813-859-7154.

This Tampa storefront specializes in car title loans, where you can borrow against your vehicle's equity with provider-stated funding timing available. In addition to title loans, the location offers payday advances for those researching short-term cash access. Call 813-859-7154 to discuss your options with the team at this Tampa branch, who can explain rates, repayment terms, and approval requirements.

Visiting the E Twiggs St location? Bring a government-issued ID, proof of income, and your vehicle's title to expedite approval. 5 Star Car Title Loans at 1127 E Twiggs St, Tampa, FL has built a reputation for fast turnaround and straightforward lending. Many Tampa residents use this location for emergency cash solutions when they are researching options most.

Services & Features

Free pre-qualification quotes online
In-person applications at physical locations
Installment loans with fixed monthly payments up to 24 months
Motorcycle title loans and alternative vehicle collateral loans
No prepayment penalties on loans
Online loan application with 256-bit SSL security
Quick approval decisions reported within minutes
Same-day loans for rent, bills, and car repairs
Semi-truck and commercial vehicle title loans
Vehicle title loans up to $50,000 with same-day funding

Feature Checklist

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

Pros & Cons

Pros

  • provider-stated funding timing available for approved applicants
  • Loan amounts up to $50,000 provide access to substantial emergency cash
  • Borrowers keep their vehicles while using them as collateral
  • No prepayment penalties allow early repayment without additional fees
  • 256-bit SSL and TLS security encryption for online applications
  • Licensed and regulated lender serving 255K+ customers since 2012
  • Accepts alternative collateral beyond cars (motorcycles, semi-trucks)

Cons

  • APR rates and total cost of borrowing not disclosed on website, typical for title loans to be high-cost
  • Repossession risk if payments are missed, as vehicle serves as collateral
  • Loan terms and availability vary significantly by state and local regulations
  • No specific mention of credit requirements or actual approval rates
  • Customer reviews (11 total) provide limited independent third-party validation

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 Tampa, FL. It does not confirm that 5 Star Car Title Loans or this specific location is licensed.

State regulator

Florida Office of Financial Regulation

Payday loan rules in Florida

Status: Permitted

Rate context: Maximum fee of $10 per $100 borrowed (minimum $10-$300 range) or $15 per $100 borrowed ($300-$500 range)

Amount context: $500

Term context: 31 days

Regulated under Fla. Stat. § 560.403. Borrowers tracked via the statewide deferred presentment database to prevent multiple simultaneous loans. A mandatory 24-hour cooling-off period is required between payday loans.

Installment loan rules in Florida

Status: Permitted

Rate context: Tiered rate caps under the Florida Consumer Finance Act (Fla. Stat. § 687.101-687.308): rates vary based on loan amount and structure; maximum rates generally range from 18-25% depending on loan size and repayment terms

Installment lenders must be licensed by the Office of Financial Regulation. The Consumer Finance Act establishes specific rate schedules for different loan amounts.

Key state rules to check

  • Payday loans (deferred presentment) capped at $500 with maximum fee of $10 per $100 ($300) or $15 per $100 ($300-$500).
  • Borrowers can have only one outstanding payday loan at a time, tracked via a statewide database.
  • A mandatory 24-hour cooling-off period is required between payday loans.

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 10 services including Vehicle title loans up to $50,000 with same-day funding, Motorcycle title loans and alternative vehicle collateral loans, Installment loans with fixed monthly payments up to 24 months, Same-day loans for rent, bills, and car repairs, Free pre-qualification quotes online, and 5 more.

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

5 Star Car Title Loans has profile signals associated with Borrowers with urgent expense research and vehicle equity who may not meet traditional bank-loan criteria, People with poor credit seeking listed funding timing for emergencies, Vehicle owners needing $1,000-$50,000 who want to retain car use during the loan period.

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

Key strengths: provider-stated funding timing available for approved applicants; Loan amounts up to $50,000 provide access to substantial emergency cash; Borrowers keep their vehicles while using them as collateral. Areas to consider: APR rates and total cost of borrowing not disclosed on website, typical for title loans to be high-cost; Repossession risk if payments are missed, as vehicle serves as collateral.

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

In the Emergency Cash category, comparable providers include Amscot Financial, Cash Advance, Rapid Cash. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.

Quick Facts

Headquarters
1127 E Twiggs St, Tampa, FL 33602
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 profile signals for borrowers with vehicle equity comparing emergency-cash timing and cannot access traditional bank loans, particularly those with imperfect credit. The primary caveat is that title loans are high-cost financial products with undisclosed APR rates, repossession risk if payments default, and terms that vary by state—borrowers must review actual loan agreements carefully and understand the full cost before applying.

Profile Signals

  • Borrowers with urgent expense research and vehicle equity who may not meet traditional bank-loan criteria
  • People with poor credit seeking listed funding timing for emergencies
  • Vehicle owners needing $1,000-$50,000 who want to retain car use during the loan period
Updated 2026-05-08

Similar Companies

Amscot Financial logo

Amscot Financial

Amscot Financial offers payday loans and installment cash advances up to $1,000 with provider-stated funding timing and eligibility claims to verify across Florida locations.

BBB: NR

Profile signals: Floridians facing genuine emergencies who need cash within hours and have poor credit, Customers seeking one-stop financial services (lending, check cashing, notary, bill pay)

Cash Advance logo

Cash Advance

Amscot is a Florida-based payday and installment loan lender offering cash advances up to $500 and installment loans up to $1,000 with eligibility claims to verify and provider-stated funding timing.

BBB: NR

Profile signals: Florida residents facing unexpected short-term cash emergencies (car repair, medical bills) with next paycheck income, Consumers with damaged credit who may not meet traditional bank-loan criteria or credit cards

Rapid Cash logo

Rapid Cash

Rapid Cash Orlando, Florida — Rapid Cash offers small installment loans from $100–$1,000 with listed funding timing, designed for short-term cash...

BBB: NR

Profile signals: Consumers facing short-term cash access shortages who need $100–$1,000 quickly, Individuals seeking to avoid overdraft fees or payday loan spirals

Compare Your Needs With 5 Star Car Title Loans

Answer 3 quick questions to review category, service, and profile context.

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Quick Summary

  • 5 Star Car Title Loans is listed as a Emergency Cash provider in Tampa, FL 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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