Use our database of lenders to find companies that offer direct title loans. We only list lenders that offer online title loans. Please excuse our dust as we move to a new website!
Did you know that most online car title lenders are only licensed to offer online title loans in just a few states? Unlike payday loans, there are many state-specific differences at play when you’re looking for the best auto title loans. You may spend hours looking for the best title loan, only to find that most lenders don’t offer loans in your state. Also there are many companies that claim to offer car title loans in your state, when in fact they only want to get your information and sell it to the highest bidder. Don’t waste your time and money looking for an online auto title loan lender. Use this list to find the best online title loans in your state.
This directory of lenders that provide title loans online was revised: September 22nd 2016
TMG Loan Processing: TMG is currently the highest rated title loan company on the ConsumerAffairs.com website. They work with all types of customers and will try to get you funded for a title loan of up to 50k on the same day that you apply. You will usually be approved for a loan if you’ve paid off your vehicle & make at least $1,500 a month. Additionally, most consumers with a 1999 or newer vehicle and/or a vehicle with 125,000 miles or less should have no problem qualifying for an online loan.
LoanCenter Title Loans: LoanCenter is a large direct lender that’s been funding online title loans for over 12 years. They have some of the lowest rates in the industry with funds availability in less than 24 hours. To qualify, you must be employed a with minimum income of $1,500 a month or have a co-signer to help with income requirements. You can borrow $1,500 to $40,000 and they won’t check your credit to find out what you qualify for. LoanCenter only funds online title loans in Idaho, Missouri, New Mexico, South Carolina and Utah.
CarTitleLoans123: This company offers online title loans in 40+ states. They claim to get you instant approval with loan amounts of up to $25,000. To qualify for a loan the applicant must be employed and own your vehicle. The vehicle typically needs to be year 2001 or newer.
CashAdvance.com: CashAdvance.com is not a car title lender and they only offer online payday loans. In the past some consumers had asked us if there are any alternatives to getting a car title loan. Of course there are numerous options available to you. One option is to get an online payday loan. With a payday loan there’s no need to put up your car as collateral for a loan. Also, there are far less requirements when it comes to filling out the application & most lenders won’t hold it against you if you have bad credit. Simply put you may be better served with a cash advance loan, especially if you’re looking for a smaller loan amount($200-$800) & quicker payoff. They currently offer online payday loans to consumers in every state except: Arizona, Georgia, Massachusetts, New York, New Jersey, North Carolina, Pennsylvania, Virginia, and West Virginia.
CashMax TitleLoans: CashMax is a Midwest based title lender that’s only funding online title loans in Oklahoma. They claim a pre-approval process of less than an hour and it looks like they lend up to $10,000 for title loans. Cashmax will also let you complete the application process over the phone.
MaxCash Title Loans: Max Cash claims to be a leader in the car title loan industry. They’re known for having 24/7 customer service and one of the fastest online qualification apps around. In order to qualify for an auto title loan you generally need to own a paid off car that’s less than 10 years old. They offer same day online title loans of up to $30,000 in all states except: New Jersey, New York, Oklahoma, and Wyoming.
745 Cash: This company seems to only be funding title loans online in the state of Tennessee at this time. 745 Cash has been in business for 16 years and has physical locations throughout Tennessee. Currently offering a discount of 50% off all loan fees for the rest of the year.
Champion Title Loans: Champion allows you to apply for a title loan online or over the phone, with the ultimate goal being same day approval and funding. They claim to work with consumers in all states except, New York, New Jersey, North Carolina, Pennsylvania, Ohio and Virginia. You will need to own a vehicle with less than 100k miles to qualify.
CheckSmart: CheckSmart offers car title loans of up to $5000 in the state of Virginia. They claim your title loan application can be processed in 15 minutes & you’re eligible to refinance the loan down the road. It looks like they only offer title loans in Virginia at this time.
eTitleLoan: Established vehicle title loan lender offering fast cash loans in many East Coast states. They offer a low rate guarantee when it comes to the interest rate for your loan. Claim to have a 5 minute application process with cash in hand the same day.
CityLoan: They’re a California based car title lender that only offers car title loans in California at this time. Claim to have a fully online application process with the option of getting cash in hand that same day.
Today’s Financial Services: Today’s Financial is now only funding title loans in Florida. They claim to have been in business for years and it looks like they will wire the money directly into your bank account. They’re currently offering online title loans of anywhere from $500 to $5,000 and their loans carry a 12 month payment plan.
TurboTitleLoans: Big lender offering loans across the country. They offer loans in every state except Arkansas, Maryland, Maine, New York, West Virginia, Hawaii, and Alaska. Offering loan amounts of $1,000 and up with an interest rate of 10% per month.
TitleMax: Very large lender offering car title loans across the country. Also one of the largest lenders funding motorcycle title loans. They don’t check your credit and are currently offering title loans up to 10k.
Ace Cash Express Loans: Ace provides online title loans online and in retail stores throughout the country. They have a quick approval process and you can borrow up to $2,500 depending on the collateral your provide and other qualifying methods.
iNeedCashNow: They offer some of the lowest rates in the auto title industry. At this time they’re only offering online title loans in California, Georgia, Missouri, New Mexico, South Carolina and Utah. Been in business since 2001 and is fully licensed in all the states they lend to. Also offering signature loans for California residents with good credit.
QuickCashFunding: At this time they’re only funding auto title loans to consumers in California. They’ve been in business for over 10 years and are currently lending between $2,500 and $50,000 depending on the car’s value.
JaycoAutoLoans: Another California based title lender that’s only funding online title loans within the state. They claim a pre-approval process of 15 minutes and that most of their clients will have cash in hand that same day. Will lend anywhere from $2,500 to $15,000.
1800Cartitleloan: Large online based West Coast car title lender that funds title loans online in a few select states. Been in business for over 12 years and will lend up to $15,000 based on the quality and value of your vehicle. They’ll also let you get a title loan if you already have one with another company.
1 Click Loan: 1 Click Loan does not provide online title loans. As we mentioned above, you have a few alternatives when it comes to getting a loan. If you’re looking for a large amount of money and are ok with using your car as collateral then an auto title loan is your best option. However, if you’re looking for a smaller amount of money and you don’t want to put up your vehicle as collateral then an online payday loan may be your best bet. With a payday loan you can borrow anywhere from $200 to $5000 and you will pay back the loan in a much shorter amount of time compared to an auto title loan. 3 Click loans offers online payday loans all across the country and you can usually get an approval notification from them within 5 minutes. You can use their service in nearly every state.
PinkSlipLoan: West Coast based direct lender that’s been in business since 1999. They’ll let you borrow up to $25,000 depending on the car’s value. Lastly, they require consumers to have a car with equity of at least $3,200 to be qualified for a car title loan.
Loan4Title: Claim to have one of the fastest application processes out there, with the ability to get cash in hand within an hour. They’ll offer car title loans even if you have a past bankruptcy. Lastly, they don’t require you to have an active bank account or direct deposit in order to get an auto title loan.
LoanAutoTitle: LoanAutoTitle offers online title loans in all states except New York, Maryland, Hawaii, Kentucky, Maine and West Virginia,. They offer loans of anywhere from $2,500 to $50,000 depending on your vehicle’s equity. Lastly, they claim to have a 15 minute online application process where once you approved you can have cash in hand in less than 12 hours.
Fast Title Cash: Fast Title Cash offers online auto title loans that range between $300 and $10,000. They’re licensed to offer direct car title loans in California, Delaware, Texas, Ohio and Virginia. You need to make at least $1,700 a month in order to be approved for an online loan.
RapidCarTitle: Rapid focuses almost entirely on East Coast consumers. At this time they’re only offering car title loans in Florida and a few other East Coast states. Fully licensed in the state of Florida. Looks to have a fairly easy approval process for car title loans and motorcycle title loans as well.
Title Loan Alternatives: This company goes by the name Online Title Loan Champs. They have quite a different approach then a normal auto title lender. They claim to have a much easier approval process by offering a leaseback. A leaseback is much different from traditional auto title loans in that you are selling your car to the company and leasing it back with the option for you to purchase it back. It’s definitely an interesting concept but you really want to do your homework on it before committing.
Money For Title: Another California based company. They’re only lending to Southern California residents at this time. They stand out from other car title lenders in that they claim to have the lowest interest rates in California. At this time their interest rates are starting at 4% for the most common car title loans.
Performance Auto Title: At this time they’re only funding auto title loans to consumers who live in the Los Angeles Metro area. Performance Auto Title is currently lending between $2,500 and $4,000 depending on the car’s value. Once you’re approved for the loan you can expect to have cash in hand within 48 hours. In order to qualify you must own a vehicle that’s worth at least 5k, is less than 12 years old and has less than 160k miles.
Car Cash Loans: Car Cash is a large California based company with over 30 store front locations. They’ll usually let you borrow 50% of the value of your car. One drawback with them is that they’ll install a GPS device on your car for the duration of your loan.
Auto Cash USA: They claim to have a large presence throughout the country with over 500 locations throughout the nation. Currently providing auto title loans online with interest anywhere from 36%-360% depending on your situation. Lastly, they claim to offer car title loans with no credit check of anywhere from $300-$10,000.
Cash1 Loans: Cash1 is a large west coast based online lender that offers direct car title loans as well as payday loans and other services. They claim to go up to 210 days for an car title loan payoff term with an interest rate of roughly 165%. Currently offering loans for up to $50,000.
1st Choice Money: 1st Choice is a direct car title lender that primarily offers online title loans no credit check on the West Coast, especially in Utah. They offer up to $10,000 for car title loans and accept all vehicles titles as collateral assuming the car is already paid off.
EmbassyLoans: This is a small lender that only offers auto title loans to consumers in the state of Florida. They’ve been in business since 2005 and promise some of the lowest rates in the state. Lastly, they let you fully customize your loan payoff time.
Auto Pawn: Offering loans since 1994, they claim to be the oldest auto title loan lender in the country. Currently offering 100% online direct title loans throughout the country. Unlike most firms that fund online title loans, they offer a 30 day money back guarantee and no pre-payment penalty. Lastly, they promise to have a quick one hour approval process with some of the lowest auto title interest rates around.
CashbackAdvance Loans: With 30+ locations, Cashbackadvance is one of the largest companies offering online title loans in Southern California. In fact that’s the only location where they offer direct car title loans. They claim to have a very quick application process where you can have cash in hand in less than one hour. Currently offering title loans online of up to $10,000.
A Car Title Loan: This company advertises as A Car Title Loan but it looks like they fund their loans under the name of TFC Title Loans. They claim to have been in business for over two decades and they offer loans in California, Arizona & New Mexico. You’ll need to make at least $1,500 a month and have six references in order to qualify for a loan.
Car Equity Online Title Loans : This online lender offers online auto title loans in the state of California. It seems they’re focused on the central part of California, even though they can take applications from the entire state. They require that your vehicle has a trade-in value of at least $5,000 & they’re currently offering title loans of $2,500 and up.
LoanMart: Loanmart has offered car title loans since 2002 and they’re widely seen as the nation’s leading provider of online title loans. They also have numerous physical lending locations in many states. Loanmart is currently providing online title loans in nearly every state except: Connecticut, Hawaii, Oklahoma, New Jersey and New York.
One Way Loans: One Way is another California based direct lender. They claim that they’re currently funding online title loans no credit check in 30 minutes or less and they’ll also take car of any DMV work for you. One Way is advertising lending amounts for online title loans of anywhere from $2,600 to $17,000 depending on the quality of your vehicle.
Loan Center: Loan Center is a direct lender that provides online title loans in 12 states. It looks like they’ll fund a car title loan all the way down to $1,500 and go up to $50,000 depending on your vehicle status. They also offer motorcycle and RV title loans. Loan Center is funding loans in the following states: Arizona, California, Georgia, Missouri, New Mexico, Ohio, South Carolina, Texas and Utah.
TFC TitleLoans: TFC has been funding online title loans for well over 20 years. At this time they’re only offering online title loans in New Mexico. To qualify for a title loan, TFC requires that you be at least 25 years old with a 2006 or newer vehicle. On top of that, you can’t be in an active bankruptcy or in the military. Loan payoff terms will be anywhere from 24-36 months and you can typically be approved for a loan within an hour.
123FundMe: 123Fundme is an online based auto title loan lender. They claim to have some of the lowest interest rates with no minimum loan term. They’re currently offering car title loans with no credit check in California, New Mexico, Georgia and South Carolina. Their auto title loans range from $1500 and above depending on the value of your vehicle.
Smart Choice Loans: Smart Choice has been in business for over 10 years and funds online title loans for consumers in the South. It looks like they focus on South Carolina and Florida. They will let you apply for a loan online and you can get your cash that same day at any of their retail locations. They also have a promotion where you can get $50 by applying online and being funded for a loan.
CapitolCarLoans: Capital funds loans online and at the business locations. It seems that they primarily fund online title loans in Delaware but they may also lend in neighboring states. Capitol says on their website that they won’t check your credit score and you can typically be signed off on a loan of $200 to $5000 in 15 minutes. Their terms for online title loans run anywhere from 6-24 months.
ACarTitleLoan: Funding title loans online since 1994, A Car Title loan is one of the longest serving auto title lenders. They’re a West Coast based lender and currently offer online title loans in Arizona, California and New Mexico. They claim that as long as your car has a wholesale value of at least $5,000 you’ll be approved for an auto title loan with them.
Titleloanslv: As the name of the company says, they fund online title loans throughout the greater Las Vegas area. They have a handful of offices in Las Vegas and they also take applications for car title loans online. They’ve been in business since 1997 and it looks like you can complete the online application in 10-20 minutes and have your cash within an hour if you live in the Las Vegas area.
US Title Loans: Another Las Vegas based lender of online title loans. They also fund loans throughout the state of Nevada. US Title Loans has multiple options when it comes to paying back your title loan and while you can complete the application online you’ll still need bring in and have your title and license information verified.
Auto Cash USA: They claim to have a large presence throughout the country with over 500 locations throughout the nation. Currently offering interest rates on online title loans of anywhere from 36%-360% depending on your situation. Lastly, they claim to offer online auto title loans with no credit check from $300-$10,000.
Check back at least once a week as we are always adding new online title loan companies to our site. We’re constantly updating this database as more companies that offer direct car title loans come on board. If you know of any companies that offer online title loans who are not included in our database please email us at firstname.lastname@example.org!