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Apply Now & Borrow Up To 50% Of The Value Of Your Car When You Qualify.

Once you’re approved for a loan, you’ll give the lender the title to your car and you simply continue driving your car. Loan terms are typically between 30-60 days but they can be up to a year.

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You can apply for free online or over the phone 7 days a week.

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GET APPROVED

Our agents will verify your information with a hassle-free experience.

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Qualified customers typically receive their funds in as little as one business day.

1.

APPLY

You can apply for free online or over the phone 7 days a week.

2.

GET APPROVED

Our agents will verify your information with a hassle-free experience.

3.

GET YOUR MONEY

Qualified customers typically receive their funds in as little as one business day.

What Is A Car Title Loan?

A car title loan is a loan for a small amount of money and for a short time.

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To get a car title loan, you give the lender the title to your vehicle—for example, your car, truck or motorcycle or RV. You also pay the lender a fee to borrow the money. You usually have to repay the loan in 30 days. You need to have equity in your car. Many lenders require that you own the car free and clear, meaning you don’t have a loan outstanding on the car.

Once you’re approved for a loan, you’ll give the lender the title to your car and you simply continue driving your car. Loan terms are typically between 30-60 days but they can be up to a year.

Most title loans can be acquired within 24 hours or less depending on the size of the loan and most lenders typically do not check the credit history of borrowers and only consider the value and condition of the vehicle that is being used to secure it.

How Your Car Is Valued

There are 5 main things the title lender needs to know on the car itself. If you know the VIN number of your car, this will make it much easier and much more accurate to get the correct value.

Year

Make

Model

Miles

Extras

What You Need To Be Approved

When you get ready to get your money you MAY need the following:

  • Govt. issued photo ID
  • Free and Clean Title
  • Three references not related to you
  • Insurance (some states require this but not all)
  • Social Security Card (or a Document on which your name and SSN both are listed)
  • Pictures of your car (all 4 sides including VIN and Odometer)

We can help you with the above if you don’t have what they need. We may be able to get exceptions you do not because of our experience.

The lender will ask you to sign a loan agreement with them. They will also verify the condition of your vehicle and odometer. They will also be placed as a lien holder on the title until the vehicle title loan is paid off.

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Frequently Asked Questions

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Your first step will be simple. Fill out our pre-approval web form in minutes and we’ll respond right away to let you know whether or not you qualify. Lenders will require you to fill out a full application if you pass the pre-approval application process. The pre-approval form is very simple and consists of a few questions regarding some basic information about your vehicle. Once we’ve received this information, we will be able to choose the right lender for you, based on your qualifications. Some lenders may also provide information concerning your loan value. This information will help you determine if you want to proceed with the loan or search for a different lender. This information is totally confidential and will be between you and the lender only. If you decide to proceed with the loan, you will pay the lender directly. Your payments will not go through us.
Car title loans are based on the value of a person’s vehicle. The applicant will apply for the loan, providing information concerning their vehicle and they will receive a loan based on their vehicle’s value. In exchange for the loan, the vehicle owner will need to hand over their car title as collateral. This type of loan is a great option for people with bad credit, those in need of money fast, and anyone who has been turned down for a traditional loan.
The qualifications for a car title loan may vary from lender or lender and can even be dependent on the state in which you reside. On average, most lenders will require a valid driver’s license or state issued government ID card. You must also provide a free and clear car title, three personal references, proof of insurance, and a copy of your social security card. Some lenders may also require applicants to have a checking account.
Unfortunately, you cannot. You can only apply for one loan, on one of your vehicles. If you’re married and the title of your vehicle is in your name and your spouse’s, then each person can get a separate loan.
Most lenders will offer loans for cars, trucks, and SUVs only. Some cities in California, Texas, and Florida will also offer motorcycle title loans, however, this is rare. If you have a motorcycle and you’re not sure if a car title loan company in your state will offer this type of loan, contact us today to learn more.
Yes. If you’re moving out of state or traveling, then you must sign the paperwork for the state in which you reside.
In some cases, yes. The majority of lenders we work with may accept your car title loan if the vehicle is almost paid off. This will vary from lender to lender.
No. The loan amount will be based on the value of your vehicle, not your credit score. So even if you’re in debt, have poor credit, or have had a bankruptcy in the past, you will still qualify for a loan.
Some lenders may run a credit check to see if you’re actively in bankruptcy or have had a bankruptcy in the past. However, this will not hurt your chances of being approved for a loan.
Some lenders can charge as little as 52% a year, while other loans can fall into the 200-300% per year range. The interest rate for a car title loan can vary by state and lender. This type of loan is considered a high interest loan. Each lender will provide the interest rate information in their loan term agreements so you will have this information prior to signing the loan agreement.
You must have some source of reliable monthly income to qualify for a car title loan. The lender needs you to provide proof of a stable monthly income. The income can come from any source, whether you have a trust fund, or you receive alimony payments. The lender only needs proof that you’re able to repay the loan.
You can be retired and still qualify for a car title loan. The lender simply needs proof of a reliable monthly income.
You can receive the funds in as little as 15-30 minutes. On average, most lenders will transfer funds in 24-48 hours.
Yes. While you’re making payments, you will still be able to have 100% access to your vehicle.
Yes. Many lenders will offer this option. To learn more and to find out which lenders offer this option, contact us today.
In most cases, you will not need a bank account to qualify for a car title loan. The only exception is the state of Florida, which does require applicants to have an active bank account.
Your privacy is our top priority. We will never distribute or sell your private information to anyone. Only the lender we connect you with will have access to your information. We refuse to do business with lenders that will sell or distribute our client’s private information. We will only provide a lender with your information on the condition that your information will remain private.
Most lenders will use the condition of your vehicle’s body, the current mileage, make, model, and year, to provide an estimated value of your vehicle. They will also take into consideration any extra features your vehicle may possess, such as a stereo system, sunroof or leather interior.
You can apply for a duplicate title through the Secretary of State. You can visit your local DMV to determine what type of documents you will need to replace your title. You will also need to pay a small fee for a duplicate title. In some states, you can receive a new car title immediately, the same day. In other states, a duplicate title will be mailed to you.
If the car title is under your spouse’s name, then they will need to sign off on the loan documents. However, if the title is in the possession of anyone else other than your spouse, then you will not qualify for the loan.
In most cases, you will receive your car title back within five to ten business days after you have made your final loan repayment.
If you default on the loan, the lender can take your vehicle. However, open communication can also go a long way. A lender does not want to keep your vehicle. In fact, they can end up losing money if they do so. If you communicate with your lender that you are having trouble repaying your loan, many will be very open to working out a payment plan with you, in order to avoid repossessing your vehicle.
If you’re not sure if you qualify for a loan, contact us today at 888-204-0027. We’ll be happy to answer any questions you may have regarding loan eligibility, requirements, and lending options.