Do you know that most lenders are only licensed to offer auto title loans in just a few states? You can spend hours looking for a lender with the best rates and terms, only to find out that most don’t provide loans in your area. Don’t waste time searching for an online lender! Use this list of companies to find the best title loan lenders in your state.
This directory of title loan companies was updated on Jan 5th, 2022
TMG Loan Processing: TMG is a highly rated title loan company that’s been in business for years. They work with most vehicle types and will try to get you funded for a car title loan of up to 50k on the same day that you apply. You can qualify for a loan if you have a fully paid off vehicle and make at least $1,500 a month. Additionally, most consumers with a 2004 or newer car and/or a car with 130,000 miles or fewer should have no problem qualifying.
TitleMax: One of the largest financial institutions and title loan companies in this industry, with over 900 locations throughout the country. One of the few companies that also fund title pawns on motorcycle and boat pink slips. TitleMax provides vehicle equity financing up to 10k with a clean pink slip and they don’t check your credit score during the underwriting process. They no longer offer car title loans in California.
LoanMart: LoanMart has been a leader in secured lending since 2002. With over 250,000 customers, they’re seen as one of the nation’s leading title loan companies. As of 2022, they have physical offices in 29 states where you can apply for a title or personal loan. Loanmart is currently providing next business day funding.
Money Tree: Money Tree has been in business for decades as a check cashing and cash advance company. It seems they have stopped offering title loans in most states and currently only services loans in Idaho and Nevada. Customers can make loan payments and pick up cash at any of their licensed branches. Funding amounts are capped at $500 in Idaho and $25,000 in Nevada. Specific loan limits are based on income and your personal credit history.
Max Cash Title Loans: Max Cash claims to be a leader in the car title loan industry with no pre-payment penalties. They’re known for having 24/7 customer service with one of the fastest online qualification apps around. You generally need to own a paid off car that’s less than 12 years old to qualify. They offer same day cash with amounts of up to $25,000 in all states except New York.
745 Cash: This car title loan company seems to only offer loans online in the state of Tennessee. 745 Cash has been in operation since 1997, with physical locations throughout Tennessee. Their maximum loan amount is $2500 and borrowers can pay their monthly payments online with a debit card.
Advance America: Advance America has provided online and in-store auto title loans loans for nearly 20 years. Per their website, they offer title loans in 13 states and currently have over 1400 lending locations. You can qualify online and bring your vehicle to any of their local stores for a quick inspection.
Car Title Loans 123: This company offers access to title loans in 35+ states. They claim to provide fast online approval with loan amounts up to $10,000 for some newer cars with low mileage. An applicant must be employed and own a paid off vehicle from the year 2006 or newer to qualify.
North Eastern Title Loans: North Eastern is part of the LoanMax family of title loan companies and offers loans of up to $10,000 in 20 states. They offer a low rate guarantee when it comes to the interest rate for your loan. All customers can initially apply online. But you will need to visit one of their many locations to have the vehicle inspected and sign off on the paperwork.
Car Bucks: Car Bucks Corp is a direct vehicle title loan lender in Alabama, Delaware, Georgia, South Carolina and Florida that allows you to apply over the phone or in person. Loan amounts start at $200 and go up to $50,000 depending on your state. Applicants may need to show proof of residency with a valid checking account to make sure they can repay the full loan amount. Some borrowers will need to show valid proof of vehicle ownership and income history to qualify.
Ace Cash Express Loans: Ace provides multiple personal loan services both online and at over 950 retail stores throughout the country. You can apply for an in-store title loan in any of their locations in Louisiana, Oregon, Tennessee, Arizona, and parts of Texas. Rates and fees vary by state and other qualifying methods. Ace is one of the few auto title loan companies that gives you a 3 day satisfaction guarantee.
Montana Capital: Montana Capital has a large national reach and services car title loan applicants in over 25 states. They allow you to submit an application online or you can meet with them in person at any of their retail locations. Funding amounts can go up to $20,000 in select states and they claim you often don’t have to go to the DMV to process the paperwork.
Auto Cash USA: Auto Cash USA provides online funding options that range between $300 and $15,000 depending on the state. They’re licensed to fund car title loans in California, Arizona, Delaware, Idaho, Missouri, Louisiana, New Mexico, Texas, Tennessee, Wisconsin, and South Carolina. Applicants need to make at least $1,600 a month and their title pawn/loan rates will range from 36% to 360%.
Auto Money: Auto Money is another leading title company based in the Southeast. As of 2022, they’re lending to residents of South Carolina and Georgia. Title loan amounts in both states max out at 20k 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 refinance 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 will need to 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 $30,000 and you can still qualify for financing with bad credit. Highway provides auto title loans in Arizona, California, Georgia, Missouri, Ohio, South Carolina, Texas and Utah.
One Way Car Title Loan: One Way is a direct lender in California with an active Finance Lenders Law License. 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 take care of any DMV work and say you can borrow anywhere from $2,600 to $15,000 depending on vehicle value.
1st Choice Money Center: 1st Choice is a lender that offers vehicle title loans with no credit check in dozens of locations throughout Idaho and Utah. They offer up to $10,000 and accept most car titles as collateral assuming the car is already paid off.
LoanCenter: LoanCenter is one of the largest auto title loan companies and has been in business for over 14 years. They have some of the best rates in the industry and cash available within 24 hours. Borrowers will need to prove employment with a minimum income of $1,500 a month or have a co-signer to help with income requirements. You can qualify for $500 to $30,000 and they won’t run a standard credit check. LoanCenter operates in Arizona, California, Florida, Georgia, Idaho, Indiana, Missouri, Mississippi, New Mexico, Ohio, Texas, South Carolina Wisconsin and Utah.
CashForPinkSlip: Cash For Pink Slip has been in business since 1990 and is a direct lender based in California that provides fast and easy financing for a car title loan. This company funds loans from $1,500 and goes up to $50,000. They claim to have lower than industry standard fees and APR and also offer motorcycle equity financing.
Embassy Loans: This lender offers auto equity loans in Florida and has been operating since 2005. They let you customize the payoff time (up to 14 months) and feature monthly competitive interest rates. Embassy also offers title loans for your RV, motorcycle and commercial truck or vehicle.
Cash1: Cash1 is a direct title loan company in Arizona and Nevada that offers vehicle title loans, equity loans and installment loans. They provide funding amounts as low as $100 and go up to $50,000 in certain situations. Cash1 also will attempt to buy out your current online title loan to get you a lower payment or APR.
Premier Title Loans: Premier is Southern California based company that claims to feature some of the lowest rates in the industry. Applicants must show current employment with a minimum income of $1,500 a month, or have a co-signer to help with income requirements. Borrow anywhere from $1,500 to $25,000 and you can always qualify for financing with bad credit.
RA Loan: Rapid has been in business since 2009 and currently services clients in Florida. As of 2022, they offer instant phone approval and allow you to apply online as well. 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 12 months or less.
Auto Pawn US: Offering loans for over 30+ years, they are one of the longest-running title loan companies in operation. Unlike most companies in this directory, they offer a 30 day money-back guarantee and no pre-payment penalty when you repay the loan. Auto Pawn US promises to have a quick one hour approval process for both vehicle and equipment pawns, with some of the lowest interest rates around.
Title Cash: Currently providing vehicle title loans at over 400 locations, with annual percentage rates of anywhere from 36%-360%. Applicants need to submit a clean vehicle title with a government-issued ID and other relevant documents. Being self employed and having a past bankruptcy is ok and you can borrow up to 50% of the vehicle’s equity.
CashMax Title & Loan: CashMax is a direct lender based in the Midwest that provides residents of Texas with payday loans, installment loans and auto title loans. They feature a pre-approval process of less than an hour with an amount that reaches $10,000. CashMax will let you start the application process over the phone. Once qualified you can finish the vehicle inspection at any of their 30 Texas locations.
US Auto Title: Another Nevada title loan lender that also provides installment payday loans. US Auto Title has many options available when it comes to its monthly finance terms and lending amounts can go up to $8,000. You can complete the application completely online, but you still need to 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 loan amounts that reach $15,000 for qualified vehicles. A checking account is not required and they do not report monthly payments to the credit bureaus. No store visit is required as they can send someone to you to complete the vehicle inspection.
Speedy Cash: Speedy Cash is a full service lending company that promises same-day cash for your pink slip. Per their website, they have hundreds of employees and customer service reps and offer loans 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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