Online Car Title Loans

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What Is a Car Title Loan and Can It Help Me?

In a nutshell, a car title loan, often referred to as a "car title pawn" or "pink slip loan", is a short term loan that uses the equity of your car for collateral. This means that you must own your vehicle or have sufficient equity in it to qualify for the loan. Title loans range from $1,000 to $50,000 depending on your qualifications and the state that you live in. Most lenders will allow up to 48 months to repay the loan, however, you are able to pay the loan off early without any extra fees or penalties. A car title loan is often a great solution if you need to get cash fast or don't qualify for a traditional bank or credit union loan.

What Vehicles Qualify For a Car Title Loan?

Basically any passenger vehicle and many commercial vehicles qualify for a car title loan. You are able to get a title loan on a qualifying car, truck, van or SUV. The higher the value of your vehicle and the amount of equity that you have in it, the more money that you can receive. For instance, if your car is worth $5,000 you would possibly qualify for a loan of between $3,500 to $4,000.

What Are The Benefits of Car Title Loans?

The main benefit of car title loans is that they can be done fast, many times you can have cash in your bank the same day. Most car title loan lenders have streamlined the application process so that you can submit any requirements by email or text message so that you can have cash fast.
A second benefit is that you don't have to have good credit to qualify for a title loan. Because your lender places the most significance on the equity in your vehicle, you can often qualify for a title loan even with credit scores as low as 495. Everyone's situation is unique but if you have enough equity in your car and can show that you have the ability to repay the loan you may still be able to get a loan.

What Else Should I consider Before Getting a Title Loan?

Title loans are designed to make it easy for someone to get cash fast even if they have bad credit. Depending on where you live these loans could have high interest rates and fees. Make sure that you are able to make your loan payments because just like when you are buying a car, if you fall behind on your payments the lender has the option to repossess your vehicle.