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Title Loan FAQ

Got a question about title loans? Below are the answers to some of our most frequently asked questions to help you through the title loan approval process.

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What is a title loan?
A title loan is a secured short-term loan that uses your vehicle title as collateral. At Title & Payday Loans we understand the need for speed, helping you get the cash you need right away. For more on the specifics, a loan representative from one of our licensed vendors can assist you with more detailed information.
What do I need to qualify for a title loan?

To qualify, you will simply need your vehicle, the vehicle's title, proof of income, and a government-issued photo ID. That is it! Our network of licensed vendors prides themselves on making the process fast, easy and convenient. We're committed to providing all our customers with superior customer service, which helps make the process of qualifying for a title loan simple.

Here's how a title loan works:

  1. Bring your vehicle, its title, and the other required items to your licensed vendor store location.
  2. Complete the simple paperwork while your vehicle undergoes a brief inspection.
  3. The loan representative will help you qualify for a loan amount based upon your needs, the appraised value of your vehicle, your ability to repay the loan and applicable state law.
  4. If you are approved, you could receive the cash you need in as little as 30 minutes. You also keep and drive your vehicle while making the payments on your loan.
Why choose Title & Payday Loans?
Here at Title & Payday Loans, we're committed to helping you find a vehicle title loan from a licensed vendor in the quickest time possible. There are often an overwhelming number of choices when it comes to getting a loan, and we specialize in helping people navigate the hassles and confusion to connect with the provider that is right for them.
Why choose Title & Payday Loans to find a payday loan?
Here at Title & Payday Loans, we're committed to helping you get a payday loan in the quickest time possible. We strive to help you find a licensed provider in your area, answer any questions you have, and help you connect with the cash you need fast.
How can I find a fast title loan near me?
To find the closest lender to you, you can search through our loan store locations page. This has a list of all the licensed vendors that we work with. You can also submit a form and that will connect you to the nearest title loan location.
Do I need a checking account?
No, you do not need a checking account to qualify for a vehicle title loan from the licensed vendors in our national network.
Can I get a title loan if I have bad credit?
Approval is not based on your credit score. Whatever your credit situation might be, you could still qualify for a title loan, and our licensed vendors are ready to help you complete the approval process to get the cash you need today.
Do I need to have a driver's license to get a title loan?
You do not need a driver's license, but you will need to have a state-issued photo ID to apply.
What if my car title is not in my name?
To get a title loan from any of our licensed vendors, you will need to provide a vehicle title in your name to qualify. Your state DMV can assist you in having a vehicle title transferred to your name prior to applying.
How old do I have to be to receive a title loan?
To qualify, you must be 18 years of age or older due to regulations.
How much cash could I get with a title loan?
At Title & Payday Loans, our licensed vendors offer loan amounts ranging from $300 to $15,000. How much cash for title you will get depends on the value of your vehicle during an inspection.
How is the value of my vehicle determined?
The value of your vehicle is based on the value as stated in a nationally recognized pricing guide, as well as the condition of the vehicle, which will be determined physical inspection by your licensed vendor.
How long does it take to be approved for a car title loan?
From the time you enter a licensed vendor location, it could take as little as 30 minutes to be approved. Just be sure to bring all the required items with you, including the vehicle you will be using, its lien-free title, and your driver's license or state-issued photo ID. It's as simple as that!
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Qualify for a Title Loan or Payday Loan Today!

You can be approved for title loans or payday loans in as little as 30 minutes! After approval, our licensed vendors will arrange for you to get your money—up to $1,100 for payday loans or $15,000 for title loans. Fill out the simple, free online form now, and we will get you in touch with a lender's loan store near you to complete the process. Qualify and get the fast cash you need for emergency expenses as soon as today!