Title Loans

Title loans can help you get large sums of cash quickly as lenders keep your car title as collateral. Apply online and get the loan money conveniently and quickly - no hidden fees and no hard credit checks required!

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How Do Online Title Loans Work?

A title loan is a way to get money from a lender by providing an asset as collateral. In this case, lenders will keep your car title until you repay the loan amount.

A borrower goes to a lender with their car and its official title. The lender will assess the value of the car and offer a loan amount. This amount is typically calculated as a percentage of the car's value. Once the terms are agreed upon, the borrower can drive away in their car with the loan money, but the car title is left with the lender as collateral. The borrower can get the title back once the loan is paid back entirely.

There are two types of car title loans that you can request. The first is a single-payment loan, where the borrower is required to pay back the entire loan amount in one installment. This is considered a short-term car title loan as it is usually paid back within 30 days.

The second type can be a long-term installment loan. This allows the borrowers to make multiple repayments for the loan over a period of 3 to 6 months.

How Can I Get a Title Loan?

You can get a car title loan online by requesting a loan-matching service such as ours to connect with a potential lender. As long as you have your vehicle and a legal car title, you can fill out an online form for a title loan.

Once you complete the online form, our service will deliver your application request to our contracted lenders who can offer a suitable title loan. To get the title loan, you need to show the car, proof of ownership, and a valid driver's license to the lender.

If the title loan request is approved by the lender, you will be required to hand over the car title in exchange for the loan amount. Remember that the lender you connect with will determine the loan terms, including repayment options and duration.

If you and the lender agree on a short-term car title loan, then you would typically have about 30 days to repay the amount. At the end of this period, you can make one lump-sum payment to the lender and retrieve your car title.

Things to Know Before Getting A Car Title Loan

Before requesting for a car title loan, it is essential to keep a few things in mind.

  • 1. You Need to Own the Vehicle

    Car title loans are based on the fact that you have the proof of ownership for your vehicle. These secured loans use the car as collateral and the lender holds onto the car title until the loan amount is repaid.

    The basic requirement to qualify for a car title loan is to have 100% ownership of the vehicle or at least some equity in the car.

  • 2. Title Loans can have High Fees

    When offering a car title loan, lenders tend to charge a significant amount per month to finance your loan. Most lenders charge up to 25% of the loan amount as monthly fee, which can accumulate to 300% of annual percentage rate (APR).

    This means that if you get a short-term car title loan for 30 days of $1,000 at 25% monthly fee, you will be repaying $1,250 by the end of the month. There can also be other additional fees depending on your lender’s terms.

  • 3. You Could Lose Your Car

    If you get a car title loan but are unable to repay the amount plus interest, you might lose your vehicle. Since the title loan includes giving your car title as collateral, it is completely legal for the lender to repossess your car in case of no repayment.

Common Title Loan Options

There are a multitude of title loans you can find on the market, and some of them are not even using car titles as the collateral. We have compiled a list of most commonly seen title loan types here. They can help you get a good grasp of what they're all about.

More title loan types >>

Car Title Loans Alternative

Considering you could lose your car with a title loan, you might want to consider some less risky options. Here are a few popular car title loan alternatives that you can get:

  • Ask for an Advance

    If you are looking for instant cash, then consider asking your employer for an advance paycheck. Some employers are willing to pay a certain amount in advance and deduct it from your next paycheck.

  • File Your Tax Refund

    You can get your tax refund within 21 days or less by filing it online. Request the IRS to deposit the refund amount directly to your bank.

  • Ask for a Longer Repayment from Creditors

    If you are getting a car title loan to pay your bills, then try asking the creditors for more time to pay. You might get an extension on the bill payment with a small late fee.

  • Contact a Credit Counselor

    If you need help managing debt, a credit counselor can give you the assistance you need. These counselors can offer guidance at low cost and help you manage your finances better.

  • Contact Credit Unions

    These organizations offer lower interest rates than traditional lenders. Some federal credit unions even offer payday alternative loans (PALs) to provide financial assistance.

  • Ask Friends and Family

    Even if it's hard to borrow money from loved ones, it can be worth it to avoid getting a loan with strict terms. Before connecting with a lender, ask your friends and family if they can spare some cash for you.

  • Check the Community Bank

    Your local bank might be able to offer a small loan with easy repayment terms. Check if you qualify for a small loan before applying for a huge car title loan.

  • Go to Charities and Churches

    Charities, non-profit organizations, and churches may be willing to offer financial help at little to no cost for community members. If you are at a rough spot, try asking these organizations for help.

Benefits of Getting A Title Loan Online

When all else fails, you can request for a car title loan from the comfort of your home. All you need to do is fill out an online form and connect with a reliable lender with our service. Here's why you should consider getting a title loan online:

  • 1. Quick Cash

    A vehicle title loan is a great way to get quick cash in times of need. If you own a car, all you need to do is offer your car title as collateral to the lender and get the required loan amount.

  • 2. Fast Processing

    Getting an auto title loan does not have any long and complex requirements. All you need is the proof of ownership for your vehicle and you can get the car title loan from your lender in as fast as 1-2 business days.

  • 3. You Keep the Vehicle

    Instead of selling your vehicle during times of need, applying for a car title loan is a better option. The lender will not confiscate your vehicle, which means you get to use it and drive it in full authority.

  • 4. Does Not Require a Flawless Credit Score

    Even if your credit score is not too great, you can still apply for an auto title loan. This type of loan does not require a guarantor or a perfect credit score.

  • 5. Convenient Repayment Plan

    When you connect with a suitable lender with our service, you can discuss the terms for repayment with them yourself. Many car title lenders offer convenient repayment plans with multiple installments.

Uncover More Loans Online

Apart from car title loans, we also offer payday loans to help you get through the month. You can also get an installment loan or personal loans when you need to make a big purchase. Find out more below:


  • How much can I get from a title loan?

    The amount you receive from a car title loan depends on the value of your car. When you request a title loan, the lender will assess the value of the vehicle and offer a loan amount based on a percentage of the car's value.

  • How do you get a title loan in America?

    You can get a title loan in America by connecting with one of the reliable lenders on our panel. Fill the online form with your information and we can help you get in contact with our network of lenders who are willing to offer title loans.

  • What do I need for a title loan in the US?

    To qualify for a title loan in the US, you must be at least 18 years old, have a functional bank account in your name, and own a vehicle. You should have proof of ownership such as the car title to provide as collateral to your lender.

  • Can you get a title loan with no credit check?

    Any service that promises 'no credit check' is likely a scam. The truth is that most lenders conduct a soft credit check to verify your identity and ability to repay the loan. However, this type of credit check does not harm your credit score, making it completely safe to get a title loan.

  • Can I get a title loan with bad credit?

    Yes. With our panel of lenders, you can easily get a title loan regardless of your credit score. Even if you have bad credit, our service can help you connect with a suitable lender who is willing to offer a title loan to you.

  • Can I get a loan using my car as collateral?

    Yes, you can get a loan by using your car as collateral with a title loan. This type of loan requires you to offer the car title (or proof of ownership) to the lender in exchange for the loan amount.

Get a loan without hassles using your car title!

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