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Frequently Asked Questions About Title Loans

1. What is a title loan?

A title loan is an alternative lending solution that uses your vehicle title as collateral. To qualify, you must have a lien-free car title.

2. How long does it take to receive a title loan?

Title loans are ideal when you need urgent cash on short notice. On average, you can get cash within 24 hours of completing your application and getting approved.

3. How can I apply for a title loan?

Applying for a title loan is quick and convenient. Complete an online application to get your free, no-obligation estimate, or give us a call and complete your application over the phone.

4. Is there a local branch in my area?

We have a network of local lenders in different cities across the country. Once you submit your application and get your free quote, we’ll connect you with a local branch.

5. Is there a loan fee?

There’s no application or processing fee when you apply for a title loan.

6. Are there other fees involved with a title loan?

Additionally, you'll pay no hidden fees when applying for a title loan. There’s no early prepayment penalty if you decide to pay off your loan ahead of schedule.

7. Can I get a title loan with bad credit?

Getting approved for a title loan does not involve a credit check. You can qualify for a loan with good credit, no credit or bad credit.

8. Do title loans feature high interest rates?

Title loans offer low, competitive interest rates — comparable to rates offered by many traditional lenders.

9. What are the requirements for a title loan?

There are basic requirements for getting approved for a title loan. You must be at least 18 years old with a lien-free car title. You also need a steady income source, references and identification.

10. How much can I get?

The amount of your title loan depends on the condition of your vehicle. Based on the make, mileage and year, you can qualify for a title loan up to hundreds or thousands of dollars.

11. What are the repayment terms?

Title loans feature flexible repayment terms. You can pay off your loan over weeks, months or years.

12. What if I can’t afford my monthly payments?

If your title loan payments are too high, give us a call and we can restructure your loan to reduce the monthly payment.

13. Why is a title loan better than a payday loan?

Title loans differ from payday loans. Payday loans must be repaid in full within two weeks. Title loans are paid off over an extended period of time and offer better rates.

14. Can I get a title loan if I’m unemployed?

Yes, you can qualify for a title loan if you are unemployed or receive other income, such as income from unemployment compensation, disability, child support or alimony.

15. How can I spend my title loan?

Once you receive a title loan, use the cash for any purpose. This includes paying bills, home or car repairs, college tuition, wedding expenses or a vacation.