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What is an Auto Title Loan?

A car title loan is short-term funding where your vehicle is used as collateral to secure the loan. If you have bad credit, you may still qualify for this type of financing. Lenders are standing by.

This financial product is not available in every state. Finding out if we can connect you with a lender is as simple as filling out our short, hassle-free form.

  • Secure a fast pink slip loan with your car, truck, or motorcycle.
  • Request your quick cash online and know your results in minutes.
  • Get your loan money in as soon as one business day in some cases.
Green Car

Where Can I Get My Car Inspected?

If you are connected with a lender after filling out our loan request form, they will likely ask you to bring your car to an authorized inspection center. Our lenders try to make this process as convenient as possible by partnering with local auto shops all across the country.

The inspection location may be within a few minutes of your home. The checkup should not take much of your time. If you have any questions about your specific car title loan inspection location, please reach out to your lender directly.

Why Choose Us?

Our hassle-free online form will only take you a few minutes to complete.
01
REPUTABLE LENDERS AND LENDING PARTNERS
There are many sources out there for car title loans online. Not all of them are up to our standards. If you are connected with a lending body through our website, you can rest assured that you will be working with a trusted provider. It is our goal that you feel safe and secure throughout the entire loan request process.
02
NO OBLIGATIONS OR COMMITMENTS
Using the AutoTitleLoans.com questionnaire puts you under zero obligations or commitments. During the loan request process, you can walk away at any time. Our form is free to use. We don’t charge anything for helping you make a loan request and connecting you with one of our trusted lending partners.
03
ALL CREDIT TYPES ARE WELCOME
The nature of short-term, secured lending means it is possible for even those with bad credit to sometimes find funding. Having collateral as part of the loan arrangement makes it less risky for the lender to provide money to an individual with a bad credit history. Less risk for the lender increases the likelihood of the loan.
04
SAFE & SECURE LOAN REQUEST
Our site utilizes 256-bit encryption to make sure your personal information stays safe. From the moment you enter your data into our website and all the way until lender receives it, our SSL protects your information. Our well-trained team knows how to protect your information during on-site data handling.

Stay Safe from Scams

The following tips may help protect you from auto title loan scams.

  • A legitimate loan provider will have a lending license. You should be able to view their credentials upon request.
  • Be wary of phone calls or emails that ask for sensitive financial or personal information.
  • Never share your Social Security number or your banking information with a supposed loan entity until you have verified the source.
  • If a debt collection agency approaches you about unpaid fees, request written verification immediately.
  • Keep track of your payments so that you will be ready if a scammer calls with falsified information.
  • Regularly update the Internet security software on all of your applicable electronic devices, including your home desktop computer, laptop, tablet, etc.
By clicking 'Get Started', I consent and agree to the E-Consent, Privacy Policy, Terms & Conditions,

More Information About Auto Title Loans

A car title loan is short-term funding that uses your car as collateral. Through our site, you can request anywhere from $500 to a loan over $10,000. Those who cannot qualify for a traditional loan are sometimes able to find money through this type of borrowing. Read on for more information about this financial product.

How Your Automobile is Used as Collateral

Depending on the lender, you can secure your loan with a car, truck, or even a motorcycle. Here’s how it works: Before you get your loan money, the lender will put a lien on your car title, which means the lender receives the right to own your car. You still get to drive the car, but until you pay back the loan, the lender owns it.

Bad Credit? Start Here

Providers tend to offer a loan amount that is around 50 percent of your car’s current value. If you are unable to pay back the loan, the lender can take your car and sell it. This ensures that the loan provider will not take a hit if you default on the loan, which in trade means that the loan is less risky for the lender. This is why those with poor or bad credit may still qualify for car title loan.

Our Process

It is our goal to connect you with a loan provider. For this purpose, we have created a state-of-the-art platform for connecting lenders to borrowers. Everything starts with our form. After you put your information into our loan request form, we will attempt to connect you with one of our partners. The entire process should only take a few minutes. Our service is free to use.

Our form contains a few different sections:

  • Vehicle Information – This is where you tell us about your car, including the year, make, model, style, mileage, and whether you have paid it off yet.
  • Personal Information – We need to know a little about you, like your name, address, and birth date.
  • Employment Information – Our lenders require accurate information about your employment status.

We protect your personal data with the latest encryption technology. We are not a lender. It is our job to find you a provider that offers this type of funding. We work with many such lenders.

The AutoTitleLoans.com Difference

We created a network of trusted auto title loan lenders. If you enter your information into our system, you could be connected with one of these reputable lenders. Our technology makes this process run smooth, fast, and safe.

What Happens Next

After you are connected with a lender, they may require you to get your car inspected. The inspection center will likely be within a few miles of your house. You will also need to fill out a little bit of paperwork. The lender will then choose whether to offer you a loan.

If your car is not completely paid off, you may still be able to qualify for this type of funding. In some cases, the lender may offer you a loan package that helps you pay off your car.

Requirements for Loan Request

Before you use our site to ask for funding, please check and make sure you meet our requirements:

  • You must be at least 18-years-old.
  • You need to have a regular source of income. That doesn’t mean you need to be actively employed, but you should generate enough revenue that you will be able to pay off your loan.
  • You need to own a car, truck, or motorcycle.

Your lender will likely have additional requirements.

How Fast Will I Get My Money?

Please understand that we are not a loan provider. It is our job to process your loan request and hopefully connect you with a lender. If you do find a loan source, you could receive your money in as little as one business day.

How Can I Spend My Cash?

Your lender may want to know why you are requesting a loan, and your reason may affect whether you get the money. Here are some popular reasons why people request auto title loans:

  • Emergency expense – Short-term loans are sometimes used to address short-term debt caused by an urgent situation, such as a medical expense, a car repair, or a home improvement project.
  • Debt consolidation – One of the most common reasons people take out this type of funding is to pay off debt that they have already accrued. Rolling old debt into new debt can be dangerous, as the compounded fees can make the debt seem unpayable.
  • Rent or mortgage – One of the largest monthly expenses is also one of the most common reasons people take out short-term loans.
  • Business expenses – Most small business loan companies require that the borrower has an established business with a good profit history. If you are running a startup or a company that is falling behind, it can be nearly impossible to qualify for a traditional business loan. Instead of letting the business fail, some turn to a secured loan.

There are many other reasons why people take out this type of funding. If you are unsure if your loan reason fits with this type of funding, it might be wise to consult a financial expert. They may be able to guide you toward a financial product that makes sense for your situation.

How Do I Pay Back an Auto Title Loan?

Your lender will tell you exactly how you are supposed to repay your loan. Since payment options can change according to the lender, it is important to read over your loan agreement to understand how to pay back your loan.

Generally speaking, a car title loan is a short-term loan, which means that the loan’s due date will arrive sooner than it might for other types of funding. As an example (again, your situation may be different), a borrower may have 30 days to pay back their loan.

If you are unable to repay your loan on the due date, the lender may let you refinance the loan for another loan term. The loan will likely get more expensive. Some borrowers refinance their loans multiple times, only to find that the interest and fees have ballooned to the point where they owe more on the car than it is worth.

Any Tips for Increasing My Chances?

Some of our customers are more likely than others to get a loan. While anyone who meets are requirements can request a loan, meeting these unofficial requirements may increase the likelihood of finding a lender:

  • Your vehicle has a bluebook value of at least $2,500
  • Your vehicle is less than 15 years old
  • Your auto title doesn’t already have a lien on it
  • You have a current and valid driver’s license
  • You request no more than half of the value of your vehicle

Again, these are not official requirements for requesting money through our site. Based on what the industry has shown in the past, meeting these guidelines may increase the odds that you will be connected with a lender.

We Do Not Charge a Fee for Our Services

Our loan request service is free to use. It is also a risk-free service, as our site requires zero obligations or commitments.

Can I Actually Lose My Car?

Yes. If you default on your loan, your lender will be able to take possession of your car.

What if I Want an Unsecured Loan?

Collateral shifts the risk away from the lender and moves it toward the borrower. This makes some loan customers a little nervous. If you are seriously concerned that you may lose your car if you agree to an auto title loan, then you may want to rethink taking out the loan.

Who Should I Contact if I Have a Question About My Loan?

If we are able to connect you with a lender, we ask that you deal with them directly for all matters related to your loan. We are happy to take your questions regarding our loan request service, but we will not be able to offer assistance for anything that has to do with your actual loan.

Car Title Loan State Regulations

There are currently 17 states that allow this type of lending. Four additional states provide a similar type of funding that is often referred to an auto title loan. Each state has its own auto title loan rules and regulations. Below you will find relevant information (data partially derived from https://consumerfed.org/). It is our goal to present accurate data on each state’s title loan legislation; however, we do not guarantee the accuracy of this information. For the accurate information and for specific inquiries about state regulations, you should contact your state’s department of finance.

  • Alabama
    • Maximum Loan Amount: No limit
    • Cost Limit: Lenders may charge 25 percent per month.
    • Fees: Not applicable
    • Term Limit: One month
    • Prohibited: Lenders may not charge for or sell insurance.
    • Title Required: No
  • Arizona
    • Maximum Loan Amount: No limit
    • Cost Limit: On loans of $500 or less, the limit is 17 percent per month. On loans from $501 to $2,500, the limit is 15 percent per month. On loans of $2,501 to $5,000, the limit is 13 percent per month. On loans greater than $5,000, the limit is 10 percent per month.
    • Fees: Doc fees are prohibited. The lender can charge a late fee of up to 5 percent of the unpaid balance on the bill ten days after the due date.
    • Term Limit: No limit
    • Prohibited: Not applicable
    • Title Required: See Arizona Motor Vehicle Time Sales Disclosure Act
  • California
    • Please note that auto title lenders in this state structure their loans in a way that they are regulated by credit laws not associated with car title loans.
  • Delaware
    • Maximum Loan Amount: No limit
    • Cost Limit: No limit
    • Fees: Not applicable
    • Term Limit: The loan term cannot exceed 180 days.
    • Prohibited: Lenders may not threaten criminal action or advertise a teaser rate.
    • Title Required: Yes
  • Georgia
    • Maximum Loan Amount: No limit
    • Cost Limit: For the first three months, the lender can charge up to 25 percent per month. After that, they can charge 12.5 percent.
    • Fees: The lender may include a lien fee on top of other charges.
    • Term Limit: The loan last for 30 days, but this can be extended
    • Prohibited: The product may not be advertised as a loan.
    • Title Required: Yes
  • Idaho
    • Maximum Loan Amount: The lender may not offer more than the value of the vehicle.
    • Cost Limit: No limit
    • Fees: Not applicable
    • Term Limit: Terms can be set to 30 days each. On the third renewal and each time thereafter, the customer must pay 10 percent of principle.
    • Prohibited: Lenders may not offer a loan to a customer who does not have a clear title.
    • Title Required: Yes
  • Illinois
    • Maximum Loan Amount: The lender can offer a maximum of $4,000, or up to half of the customer’s monthly income.
    • Cost Limit: No limit
    • Fees: The lender may not require a check cash fee
    • Term Limit: The lender must offer equal installments. There must be 15 days between loans. The customer may renew one time if they pay at least 20 percent of the principle.
    • Prohibited: Balloon payments are not allowed.
    • Title Required: Yes
  • Kansas
    • Please note that auto title lenders in this state structure their loans in a way that they are regulated by credit laws not associated with car title loans.
  • Louisiana
    • Please note that auto title lenders in this state structure their loans in a way that they are regulated by credit laws not associated with car title loans.
  • Mississippi
    • Maximum Loan Amount: Lenders may not offer more than $2,500
    • Cost Limit: Lenders may not charge more than 25 percent per month.
    • Fees: Lenders are allowed to require a sales fee.
    • Term Limit: Loan terms cannot exceed 30 days, but customers may renew if they pay 10 percent.
    • Prohibited: Title loans cannot be paid off with another title loan. Lenders may not sell insurance.
    • Title Required: Yes.
  • Missouri
    • Maximum Loan Amount: Lenders may not offer more than $5,000.
    • Cost Limit: No limit
    • Fees: Lenders may charge a $25 non-sufficient fund fee, as well as origination fees.
    • Term Limit: Loan terms may not be less than 30 days. On a customer’s third renewal, he or she must pay at least 10 percent of the loan.
    • Prohibited: Lenders may not require a waiver of rights. Customer must have clear title. Lenders may not use the words “pawn” or “pawnbroker.”
    • Title Required: Yes
  • Nevada
    • Maximum Loan Amount: Lenders may only offer up to the value of the automobile.
    • Cost Limit: No limit
    • Fees: Lenders may charge a non-suitable funds fee, but no additional fees.
    • Term Limit: Loan terms cannot surpass 30 days. Loans can be renewed up to six times.
    • Prohibited: Lenders may not use criminal threats.
    • Title Required: See Nev. Rev. Stat. § 604A.105
  • New Hampshire
    • Maximum Loan Amount: Lenders may offer up to $10,000
    • Cost Limit: Lenders may charge up to 25 percent interest each month, as well as a lien fee
    • Fees: Lenders may charge one non-suitable fund fee per check. After a payment has been late for 10 days, a lender may charge one late fee of up to five percent of the installment.
    • Term Limit: The original term can be up to one month. The customer is allowed up to 10 renewals as long as they pay at least 10 percent of the loan.
    • Prohibited: The lender may not offer a loan to anyone who has had an outstanding loan within 60 days. Lenders must allow a borrower to cancel the loan within one day. Lenders may only secure one loan per title.
    • Title Required: Yes
  • New Mexico
    • Maximum Loan Amount: Lenders may offer up to $2,500.
    • Cost Limit: No limit
    • Fees: After a loan has been late for 10 days, the lender may charge up to a five percent late fee.
    • Term Limit: Loans are limited to a single installment term.
    • Prohibited: Not applicable
    • Title Required: Yes
  • South Carolina
    • Please note that auto title lenders in this state structure their loans in a way that they are regulated by credit laws not associated with car title loans.
  • Tennessee
    • Maximum Loan Amount: Lenders may offer up to $2,500.
    • Cost Limit: Lenders may charge up to one-fifth of the loan amount, plus two percent per month.
    • Fees: Not applicable
    • Term Limit: Loan terms are limited to 30 days but may automatically renew. On the third renewal, the customer must pay five percent of the original principal plus interest and fees.
    • Prohibited: Lenders may not offer a loan on a title that is already encumbered. Lenders cannot offer insurance.
    • Title Required: Yes
  • Texas
    • Maximum Loan Amount: No limit
    • Cost Limit: Lenders may charge up to 10 percent interest, but there is no limit on the fee charged.
    • Fees: Not applicable
    • Term Limit: The loan term cannot exceed 180 days.
    • Prohibited: Not applicable
    • Title Required: Yes
  • Utah
    • Maximum Loan Amount: Lenders may offer up to the value of the automobile.
    • Cost Limit: No limit
    • Fees: Not applicable
    • Term Limit: Borrowers can renew loans.
    • Prohibited: Lenders are not allowed to offer a loan if the borrower has no ability to repay the loan. Loans cannot be rolled over except on request. Lenders may only offer one loan per vehicle.
    • Title Required: Yes
  • Virginia
    • Maximum Loan Amount: Lenders may offer up to half of the value of the vehicle.
    • Cost Limit: If the outstanding balance of the loan is $700 or lower, the lender may charge 22 percent per month. If the outstanding balance of the loan is $701 to $1,400, the lender may charge up to 18 percent per month. If the outstanding balance is greater than $1,401, the lender may charge up to 15 percent. The lender may also charge a lien fee.
    • Fees: After a payment has been late for seven days, the lender may charge a five percent late payment fee.
    • Term Limit: The loan term must be at least 120 days and can be up to 12 months. Rollovers and renewals are not allowed.
    • Prohibited: A lender may not offer a loan if the vehicle already has a lien. A lender may not charge prepayment penalties. A lender may not offer loans to active-duty military.
    • Title Required: The lien needs to be filed with the DMV.
  • Wisconsin
    • Maximum Loan Amount: The lender may offer up to half of the value of the vehicle up to $25,000.
    • Cost Limit: No limit
    • Fees: Not applicable
    • Term Limit: The loan term cannot surpass six months.
    • Prohibited:  The lender is not allowed to require that the borrower provide a vehicle key as security.
    • Title Required: Yes

For more information on your state’s lending laws, please visit your state’s website or contact your state’s department of finance.

What to Do If You Are Not Connected

If we are unable to connect you with a provider, please do not give up hope on finding funding for your situation. There are other financial products out there. Depending on your circumstances, you might consider contacting your state’s department of social services.

After a period has passed, you might consider trying the request process again. Your financial situation can change over time, and while you were not connected today, the decision may be different at another time.

Thank You for Using AutoTitleLoans.com

We are grateful you decided to visit our site. Hopefully, all your questions have already been answered. If you need to know more about the loan request process, please feel free to contact us at any time. If you are ready to request a loan right now, we invite you to use our loan request form by clicking on the “Get Started” button on the top of the page. You will be immediately directed to our loan request form.