When you need a loan but don’t have good credit, a title loan could be a good solution. With a title loan, you’re utilizing your car’s equity. You can use your title loan for everything you’d use a personal loan for: home repairs, business needs, medical expenses, etc. The reason our customers work with us isn’t only because we have much lower rates than national chains — it’s also because we make the application process painless.
How Much Can I Borrow?
The amount of your title loan is determined by how much cash you need, what your car is worth, and your ability to repay. We make sure that our customers’ payments are reasonable and manageable. Our focus is on getting you as much cash possible while keeping your payments at a level you can afford.
Can I Trade Out My Existing Title Loan for One With a Lower Payment?
Yes! Many of our customers come from national chains who charge high rates for their loans. We pay off your current loan and get you set up with a much-lower-rate loan. Our rates are typically ¼ of other title loan companies, because we’re local and family-owned. So we can save our clients hundreds and even thousands of dollars in interest.
How much could you save? Try our Refinance Calculator to compare your current title loan with a lower-rate one.
What’s the Process for Getting a Title Loan?
- Bring your car to our office. We’ll do an appraisal to determine the value of the car.
- We process your application. We figure out how much we can loan you and how the payments will be structured.
- Leave with cash in hand. If you’re approved, you’ll walk out with your money — usually in about an hour.
What Do I Need in Order to Get a Title Loan?
- Proof of a full-time job or regular income, such as Social Security or a pension
- Proof of residency
- Your car title
- Identification
Before you sign any title loan, read our guide: Car Title Loans: Here’s What You Should Know.