Get Started
man with money on hand

Get Title Loans Fast Today!

If you've never gotten title loans before, you might be pleasantly surprised to learn that you can get up to $15,000 just by using your lien-free car title as collateral. Not only that, but the entire in-person process is fast, with most times taking around 30 minutes to complete.

At Title & Payday Loans, we make sure to only work with vendors that are efficient and quick. We know how you would like to know quickly if you qualify for approval, so we want to do our best toonly work with top, fast vendors. The rest of this guide will break down what this loan is and how it can help you out.

What Are Title Loans?

What is a title loan? A title loan provides you with a way to turn your car title loan into quick cash in as little as 30 minutes.

How title loans work is one of our vendors will place a lien on your vehicle's lien-free title and hold onto the title until you are finished repaying the loan. As soon as you finish repaying the loan, they will promptly remove the lien and safely return your title to you.

You can still keep and use your vehicle while you are repaying the loan. Our vendors do not use your vehicle as collateral, just the vehicle's title! If you have any other questions about getting cash for car title, you can check out our title loans FAQ page.

What Do I Need To Get Title Loans?

Now that you know about car title loans and how they work, you need to know what required items our vendors must see. These items are what allow our vendors to decide if you qualify for title loans - so without them, you won't be able to get through the process at all. The beneficial thing is our vendors keep the list of items you need short and easy to remember. As a matter of fact, you might already have all of these items with you right now!

Here are the items you need to get a title loan:

  • Your driver's license or a state-issued ID.
  • Your lien-free vehicle title in your name.
  • Your matching vehicle to use for the inspection.
  • Proof of income.

How Title Loans Work

When it comes to car title loans and how they work through our vendors, it's important to know that going to one of the stores is not mandatory. However, if you did prefer to go to one of our vendors' stores, you will be treated by friendly and knowledgeable representatives that can help you right away with anything you may need. They will also walk you through the entire process and make sure you understand every step.

You can start the process of applying for a title loan near you, by visiting the store locator page on our website to find the nearest store location of our vendors, or you can fill out the online form and have a representative from the nearest store give you a call. Regardless of which option you choose, a store representative will still need to inspect your vehicle.

Here is how the title loan process works so you know what to expect if you choose to fill out a form:

  1. Fill out the online form on our website so we can send your basic information to the nearest vendor in your state.
  2. Wait for one of our vendors to give you a call. This step should not take long at all after we receive your form, so stay near your phone.
  3. Schedule the vehicle inspection either at the store location nearest you or the place of your choosing. The representative will go over the required items and answer any questions you have.
  4. Bring the required documents to the meeting so the representative can assess everything and determine if you qualify for approval and how much they can lend you.
  5. If you are approved, they will help you finish the paperwork. Once done, you can get the money later that day or the next bank business day.

A Fast Way To Pay For Emergency Expenses

Now that you know how title loans work and where to find “title loans near me”, you are probably wondering what they are supposed to be used for to actually help you. You should know that our vendors won't ask you specifically what you plan on using the loan for if you are approved. However, that doesn't mean you should just use it for whatever you want.

Remember, this is a loan that you'll need to repay. This means you won't take on this debt unless you absolutely need to. This loan was designed to help with emergency expenses, not frivolous purchases. Things like medical bills, late rent or mortgage, utility bills, or home repairs are all situations that warrant a title loan. Basically, if the situation you are in will only get worse if you don't deal with it now, that's a situation in which you should get a title loan.

Bad Credit Is Okay!

The last thing you should know is, yes, you can still qualify for a title loan if you have bad credit. Our vendors are dedicated to helping you, which means they won't automatically disqualify you if your credit isn't where you'd like it to be. Since your title is acting as collateral to secure the loan, this means your credit isn't a major factor. This doesn't mean that our vendors will never check your credit, they just won't hold it completely against you.

How Do I Get Started With A Title Loan?

Begin the simple title loans process now by filling out the online form. We will then help you to get in touch with one of our trusted and reliable vendors!

Fast money icon

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!