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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, VA location of 5 Star Car Title Loans at 5505 Samuelson Ct offers fast car title loans, open weekdays 9AM-7PM and Saturdays 10AM-5PM.
Data compiled from public sources · Rating from CreditDoc methodology
5 Star Car Title Loans Review
5 Star Car Title Loans is located at 5505 Samuelson Ct in Virginia Beach, VA, a standalone storefront dedicated to providing title loans. The Virginia Beach location is open Monday through Friday from 9 AM to 7 PM, Saturday from 10 AM to 5 PM, and closed on Sundays. This convenient timing serves the needs of Virginia Beach residents during both business hours and weekend availability.
At this Virginia Beach location, customers can apply for title loans using their vehicle as collateral for fast cash. Call 757-993-4494 to speak with a loan specialist or to apply. The location processes applications quickly with the goal of same-day or next-day funding for qualified borrowers.
If you need emergency funding, bring your government-issued ID, proof of residence, and vehicle title to your appointment. Virginia Beach residents can use title loans as an alternative when they need quick access to money without giving up vehicle use. The straightforward application process is designed for those seeking fast approval and flexible terms.
Services & Features
Fast approval (claimed within minutes)
Free pre-qualification quotes
In-person loan applications
Installment loans (up to 24-month terms)
Motorcycle title loans
Multi-state loan processing
Online loan applications
Same-day cash loans
Secure online application (256-bit SSL/TLS)
Semi-truck title loans
Vehicle title loans ($100-$50,000)
Feature Checklist
Mobile App
Online Portal
Score Tracking
Credit Education
Personal Advisor
Identity Theft Protection
Pros & Cons
Pros
- Loan amounts up to $50,000 available, larger than typical payday loans
- Same-day funding claimed for qualified applicants
- No prepayment penalties — borrowers can pay off early without extra costs
- Allows borrowers to keep their vehicle while using title as collateral
- No credit check required; serves customers with poor or limited credit
- Operates in approximately 18 states with multiple physical locations
- Claims transparent terms with no hidden fees
- Accepts alternative vehicle collateral including motorcycles and semi-trucks
Cons
- Title loans typically carry high interest rates and fees not disclosed on main website
- Risk of vehicle repossession if loan terms are not met
- Limited online transparency about actual APR, term lengths, and total costs
- Small review base (11 reviews) limits independent verification of service quality
- Loan terms and availability vary significantly by state, creating uncertainty for cross-state applicants
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 5505 Samuelson Ct, Virginia Beach, VA 23464.
Quick Facts
- Headquarters
- 5505 Samuelson Ct, Virginia Beach, VA 23464
- 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 designed for vehicle owners with poor credit or limited lending options who need emergency cash quickly and can accept higher-interest secured lending. The primary caveat is that title loans carry significant financial risk—actual APRs and total costs are not disclosed on their website, default results in vehicle loss, and borrowers should compare this option against credit unions, personal loans, and other alternatives before proceeding.
Best For
- Vehicle owners with poor or no credit needing $1,000-$50,000 quickly
- People facing emergency expenses (medical bills, eviction, car repairs) without traditional lending options
- Borrowers who can afford higher interest rates in exchange for speed and minimal credit requirements
- Those with significant vehicle equity seeking short-term bridge financing
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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