Are you looking for a top title loan company that offers online loans based on your vehicle's equity? Do you know that most direct lenders are only licensed to offer online car title loans in just a few states? You can spend hours looking for a lender with the best rates and terms, only to discover that most don't provide funds in your area. Even worse, some of these companies claim to provide title loans when in fact they only offer unsecured loans that require excellent credit. Don't waste time searching for an online lender! Instead, use this list of title loan companies to find the best lender in your state.
This list of direct lenders was updated on November 25th, 2024
TitleMax: TitleMax is one of this industry's largest title loan companies, with over 1,100 locations nationwide. TitleMax offers car title loans up to 25k using a lien free pink slip as collateral, and they don't check your credit score during the underwriting process. They also offer title pawns on motorcycles and some RVs.
LoanMart: LoanMart has been a leading title loan provider for nearly two decades. With over 250,000 customers, they are one of the nation's leading title loan companies. They have physical offices in 12 states where you can apply for auto equity loans. LoanMart currently provides next business day funding with loans up to $30,000.
Money Tree: Money Tree has been in business for decades as a check cashing and cash advance company. They have stopped offering title loans in several states and currently only offer loans in Idaho and Nevada. Loan amounts are capped at $500 in Idaho and $10,000 in Nevada.
Advance America: Advance America has provided online and in-store title loans for nearly 25 years. Per their website, they offer online title loans in 10 states and have over 1,400 lending locations. You can qualify online and bring your vehicle to their local stores for a quick inspection.
Car Title Loans 123: This company offers access to vehicle title loans in at least 23 states. They claim to provide fast online approval with loan amounts of up to $25,000 for some newer cars with low mileage. To qualify, an applicant must be employed and own a vehicle from 2012 or newer.
NorthEastern Title Loans: NorthEastern Title Loans is part of the LoanMax family of companies and offers title loans of up to $10,000 in 20 states. They have been around since 1990 and provide a low rate guarantee for your loan's APR. All customers can initially apply online, but you must visit one of their locations to have the vehicle inspected and sign off on the paperwork.
Car Bucks: Car Bucks Corp has offices in Alabama, Delaware, Georgia, South Carolina, and Florida, and you can apply over the phone or in person. Loan amounts range from $500 to $10,000. Applicants must provide proof of residency and income verification to ensure they can repay the loan.
Ace Cash Express: Ace provides title loan services online and at over 850 retail stores nationwide. They are one of the largest short term lenders in the US and promise competitive rates and repayment terms. Ace offers a 3-day satisfaction guarantee for car title loan amounts between $500 and $20,000.
Auto Cash USA: Auto Cash USA provides car title loans between $300 and $15,000, depending on the state. They're licensed to fund car title loans in Alabama, Arizona, Delaware, Georgia, Idaho, Louisiana, Mississippi, Missouri, Nevada, South Carolina, Tennessee, Texas, Utah, and Wisconsin. Applicants must make at least $1,600 a month to qualify, and their title pawn lending rates will range from 36% to 360%.
Auto Money: Auto Money is another leading title company based in the Southeast. As of 2024, they offer car title loans in Georgia and South Carolina. Loan amounts in both states max out at $20,000, and they promise no credit check with instant approval. You can keep driving your car for the life of the loan, and they also offer a refinancing option if you're looking for a lower rate on an existing loan.
Highway Title Loans: Highway claims to provide some of the lowest rates in the title lending industry, with funds available in less than 24 hours. Applicants must prove employment with a minimum income of $1,500 a month or have a co-signer to help with income requirements. Borrow anywhere from $500 to $25,000, and you can still qualify for financing with bad credit. Highway Title Loans provides access to car title loans in Alabama, Arizona, California, Florida, Georgia, Idaho, Mississippi, Missouri, Ohio, South Carolina, Tennessee, Texas, Utah, Virginia, and Wisconsin.
One Way Car Title Loan: One Way is a direct lender in California with an active Finance Lenders Law License from the DFPI. Per their website, they can underwrite most car title loans in 30 minutes or less, and the application fee is the same no matter what you borrow. They will handle all of your DMV paperwork and claim you can borrow anywhere from $2,600 to $20,000 with manageable interest rates depending on vehicle value.
1st Choice Money Center: 1st Choice is a lender that offers paydays and vehicle title loans with no credit checks in dozens of locations throughout Idaho and Utah. They provide car title loans up to $10,000 and accept most car titles as collateral, assuming the car is already paid off.
Cash Time Loan Centers: Cash Time has been in business since 2000 and is a direct lender based in Arizona that provides registration loans and car title loans. This company funds loans from $500 and up. They claim to have lower than industry-standard fees and APR and also offer motorcycle equity financing. You can apply for a title loan online or meet with them in person at locations in Phoenix or Tucson.
Embassy Loans: This lender has been operating since 2005 and offers title pawn loans throughout Florida. They let you customize the payoff time (up to 30 months) and feature competitive interest rates. Embassy Loans also provides equity loans on RVs, motorcycles, and semi trucks.
Cash1: Cash1 is a direct lending company in Arizona and Nevada that offers vehicle title loans, equity loans, and installment loans. They provide funding amounts as low as $250 and up to $25,000 in certain situations. Cash1 also buys out existing title loans so that you can lower your monthly payment or APR.
Premier Title Loans: Premier is a Southern California company that claims to feature some of the lowest rates in the industry. Applicants must verify income and show a paid off car title to be pre-approved. Borrow anywhere from $2,500 to $25,000, and you can always qualify for financing with bad credit.
RA Loan: Rapid has been in business since 2009 and serves customers in Florida. As of 2024, they offer local funding at multiple title loan places in Florida, and you can also apply directly online. They promise no employment verification with an application process that should take less than 20 minutes. All their financing terms have a payoff period of 48 months or less.
LendNation: Lend Nation offers car title loans at over 350 locations in 12 states, with annual rates of 36%-360%. Applicants must submit a clean vehicle title with a government-issued ID and other relevant documents. As of 2024, you can borrow up to 50% of the vehicle's equity.
CashMax Title & Loan: CashMax offers payday loans, installment loans, and online title loans in Texas. They offer car title loans ranging from $750 to $20,000 with cash funding in 24 hours. Apply in person and finish the vehicle inspection at any of their 36 Texas locations.
California Title Loans: They offer car title loans exclusively in California, and customers can apply online or at their lending locations in SoCal. They promise interest rates capped at 36% for loans under $10,000 with a repayment term of 4 years or less. You can still qualify if you're not fully employed, but a vehicle inspection will likely be required.
US Auto Title: US Auto Title is a lender in Nevada that provides installment payday and vehicle equity loans. They have many options for customers looking for an online title loan, with monthly finance terms and lending amounts up to $10,000. You can complete the application online but must still verify your driver's license information and other documents.
Georgia Auto Pawn: This lender only provides car title loans in Georgia. They ask for a lien free pink slip and offer loans up to $20,000 for qualified vehicles. A checking account is not required, and they do not report monthly payments to the credit bureaus. No store visit is needed as they can send someone to you to complete the vehicle inspection.
Speedy Cash: Speedy Cash is a full-service direct lender that promises same-day cash for your car's pink slip. According to their website, they have hundreds of employees and customer service reps and offer funding near you in 15 states. This company has a quick 30-minute application process that doesn't always require a vehicle inspection or store visits.
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