What You Need To Know About Car Title Loans

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How Do Title Loans Work?

A car title loan is similar to a payday loan in that they are easier to get than a conventional loan, however, there are some differences.  To qualify for a title loan you will need to have some type of qualifying vehicle to use as collateral.  The title loan lender will keep your title as security just like the original lender did when you purchased the vehicle.  Once your loan is paid off the title is returned to you showing the note has be satisfied.

How much money can you get with a title loan?

The exact amount will vary depending on the state that you live in. For instance, in Arizona and California you can borrow between $2,500 and $50,000. In some states, you can borrow as little as $1,000. In all states your vehicle will have to have sufficient equity to qualify for the loan and you can get a good idea of how much that will be by checking the value via Kelley Blue Book.

What Do You Need For A Title Loan?

A title loan does require some of the same items as any other loan but the qualifications are far easier to satisfy. For you will need a qualifying vehicle with enough equity. This can be a car, truck, van, SUV, motorcycle, motor home, RV, commercial vehicle or semi tractor. Usually these need to be paid off but in some instances you can use a vehicle that has an existing loan with a small balance.
In addition to a qualifying vehicle, you will need a photo identification (driver's license), insurance on the vehicle, documentation of where you live (utility bill) and proof that you earn enough to make the payments on the loan. Many times this can be from social security payments or other such income sources.

Do title loans go on your credit report?

In most cases, title loan lenders report the loan to the credit bureaus and many times this is required to comply with individual state guidelines.  This means that making your payments on time (never making a payment that is over 30 days late) can help improve your credit scores. In almost all cases, paying off the title loan will have a great positive impact on your credit.

How long do you have to pay back a title loan?

The typical repayment term on title loans is 36 months. In some cases you can get a loan with terms of 42, 48 or even 60 months. Title loans typically do not have a prepayment penalty which means that you can repay the loan off in full at any time and save a ton on interest. It all cases it is recommended that you pay off the loan as early as possible. The interest rate on title loans is usually higher than a conventional loan and repaying it early will can be a good way to get the money you need fast and not pay a tremendous amount in interest payments.


iTitleLoans.com is NOT A LENDER and we do not make short-term cash loans or credit decisions. However, we have a vast network of lenders across the country who do provide these services. These include but are not limited to Tradition Media Group and Champion Financial Services.

We are able to help borrowers in almost all states even though we do not have physical locations.

The loan amounts offered by our lenders will vary based on the vehicle value and the borrower's ability to repay.

Since we do not lend money directly we cannot offer you a solicitation for a loan. In all serviced states we WILL connect you with a lender based on the information you provide on this website or via phone conversation. There is no charge to you for this service and our service is not available in all states. States that are serviced by this website are subject to change without notice. Loans are not available in all states and areas.

Interest rates and payment terms are set by individual lenders and we have no control over these. The use of the word, “competitive,” or “reasonable,” does not mean “low-cost” and borrowers should use discretion when working directly with the lender.

We cannot guarantee we will find a lender who will fund you. Submitting information on this website does not guarantee loan approval. Not all lenders can provide loan amounts you may see on this website due to state laws or individual lender requirements.

In some circumstances faxing may be required. Use of your cell phone to receive updates is optional. Please review our Privacy Policy.

Subprime loans can be costly, and there may be more affordable alternatives available to you. It's important to note that these loans are designed to address immediate cash needs and should not be used as a long-term solution. Additionally, eligibility for loans may vary by state, and our company has no access to information regarding rejected loan applications. If you have any questions about loan rejections or eligibility, we recommend contacting the lender directly for more information.

Lenders are typically licensed by the state where you live. We recommend that you contact the relevant regulatory agency to ensure that your lender is licensed and compliant with state regulations. These agencies exist to protect you, and we strongly advise ensuring that any lender you receive funds from is fully licensed.