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Part of the 5 Star Car Title Loans chain · locations
5 Star Car Title Loans in Virginia Beach, VA
Virginia Beach's 5 Star Car Title Loans at 314 N Great Neck Rd offers same-day auto title loans with fast approval and flexible terms.
Data compiled from public sources · Rating from CreditDoc methodology
5 Star Car Title Loans Review
Located at 314 N Great Neck Rd #40 in Virginia Beach, VA, 5 Star Car Title Loans sits in a convenient standalone location serving the Great Neck corridor. The storefront operates Monday through Friday, 9 AM to 7 PM, and Saturday 10 AM to 5 PM, making it accessible for working residents and weekend visitors throughout Virginia Beach.
This Virginia Beach branch specializes in auto title loans—fast, flexible borrowing against your vehicle's title. Call 757-982-8417 to discuss same-day approval options, flexible repayment terms, and what documents you'll need to bring for your application.
If you're a Virginia Beach resident facing an unexpected expense, this location offers a streamlined process: bring a valid photo ID, proof of residency in VA, and your vehicle title. Visit during business hours to see how a title loan can bridge your cash flow gap quickly.
Services & Features
Auto title loans ($100-$50,000)
Free pre-qualification quotes
In-person loan application at physical locations
Installment loans with fixed payments (up to 24 months)
Motorcycle title loans
Nationwide physical locations across 18 states
Online loan application
Same-day cash loans
Secured online application with 256-bit SSL/TLS encryption
Semi-truck title loans
Feature Checklist
Mobile App
Online Portal
Score Tracking
Credit Education
Personal Advisor
Identity Theft Protection
Pros & Cons
Pros
- Loan amounts reach up to $50,000, higher than typical payday loans
- Same-day funding available for approved applicants
- No prepayment penalties on title loans
- Flexible repayment terms and installment options up to 24 months
- Accepts alternative collateral including motorcycles and semi-trucks, not just cars
- Licensed and regulated lender with 255K+ loans funded since 2012
- No credit check required; applicants with poor credit may qualify
Cons
- Title loans typically carry very high interest rates and fees not disclosed on website
- Vehicle repossession risk if loan is not repaid, despite marketing about keeping your car
- Limited to 18 states; availability varies significantly by location and state regulations
- Loan terms and APRs not transparently displayed on website for consumer comparison
- Customer reviews are limited (only 11 reviews shown) relative to number of loans claimed
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
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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 314 N Great Neck Rd #40, Virginia Beach, VA 23454.
Quick Facts
- Headquarters
- 314 N Great Neck Rd #40, Virginia Beach, VA 23454
- 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 for vehicle owners with damaged credit who need $1,000+ within 24 hours and can afford the higher costs associated with secured lending. The critical caveat is that title loans are high-cost products with substantial interest rates and repossession risk; borrowers should exhaust lower-cost alternatives (credit union PALs, personal loans, family assistance) before using vehicle collateral.
Best For
- Vehicle owners with poor or no credit history needing $1,000-$5,000 immediately
- Borrowers facing urgent expenses (medical, rent, car repair) who own a paid-off or low-lien vehicle
- Consumers in served states who need funds faster than traditional personal loan approval (1-3 days)
Updated 2026-04-29
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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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