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Frequently Asked Questions

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How Do Title Loans Work?

First to explain what a title loan is. Unlike a traditional bank loan or even a personal loan that has strict credit criteria, a car title loan is a loan that put's more emphasis on the value of your vehicle. These loans typically have minimal credit requirements and many times it is still possible to get a loan even if your credit score is below 500. The verification documents that are required are usually pretty basic things such as a photo ID and paystubs*. This makes it a great alternative for those with low credit scores or just need money fast. Your lender will hold the “pink slip” or title to your vehicle but you will be able to keep driving the car while paying your loan back. Interest rates are typically higher than a standard bank loan because there is a higher risk of default but compared to the cost of a returned check and many payday type loans the cost of a title loan can be much cheaper.

What information and documents are required to complete a title loan application?

Exact requirements will vary slightly depending on the state your car is registered in but typically you will need a vehicle that is paid off or nearly paid off and that meets the minimum value and equity requirements. During the application process, you will be asked to send photos of your car and the VIN# along with a photo of the car title. You will also need a driver’s license or photo identification along with a proof of income to show you have the means to pay the loan back. You will need to have auto insurance and we may ask for proof of where you live. Your loan processor will go over everything with you to make sure that you know exactly what you will need and to offer alternatives and guidance when you need it.

Does my car need to be paid off?

This can vary depending on your overall application. Usually, your car will need to meet the minimum equity requirements for the loan. Many times if you have a vehicle that is close to being paid off you will still qualify for a title loan by including that payoff amount in the amount you borrow. We may be able to even blend the two loans together so that you keep the lower interest rate on your existing car loan. Once you complete your initial application you will know if you and your car qualify.

Will I get to keep my car while I pay the title loan off?

Yea, your lender will only hold the title to your auto. You will be able to drive your car without limitations while paying your loan off.

Can I Pay My Title Loan Off Early?

Absolutely, in fact, most of our customers pay their loan off within the first 12 months and we recommend that you pay it off as soon as possible. There is no penalty for paying your loan off early and the sooner you pay it off the less you will pay in interest so you will save money.

Do I need to have a job?

Not necessarily but you do need to have some means to pay your loan back. This can be through employment, social security, annuities, retirement, pension, or other sources of income.

Disclaimers

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.