Do you know that most lenders are only licensed to offer online title loans in just a few states? You can spend hours looking for the best lender, only to find most 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 time searching for an online lender! Use this list to find the best online lenders in your state.
This directory of title loans online was last revised: Sep 23rd, 2020
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 car title loan of up to 50k on the same day that you apply. You can qualify 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 fewer should have no problem qualifying for an online loan.
Highway Title Loans: Highway Title Loans claims to provide some of the lowest rates in the industry with funds availability 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 $1,500 to $30,000 and you can still qualify for financing with bad credit. Highway provides car title loans in Arizona, California, Georgia, Florida, Idaho, Missouri, New Mexico, South Carolina and Utah.
CaliforniaTitleLoans: They provide same day online title loans in California. Bad credit doesn’t seem to be an issue, as qualifying for a loan is based on the equity in your vehicle. Payoff terms will range from 12 to 48 months with loan amounts of $2500 and up. You will likely need a blue book value of $1,500+ with less than 115,000 miles to qualify. They may be able to offer funding for a title loan in some neighboring West Coast states as well.
CarTitleLoans123: This company offers online title loans in 40+ states. They claim to provide fast online approval with loan amounts up to $25,000. To qualify for a loan, an applicant must be employed and own a paid off vehicle. The vehicle typically needs to be year 2002 or newer.
CashAdvance.com: CashAdvance.com is not a car title lender, and they only offer cash advance loans. Consumers often ask us if there are any alternatives to getting a car title loan. Of course there are many options available to you. One option is to get an online payday loan. With a payday loan, there’s no need to use your vehicle as collateral. Also, there are fewer requirements with filling out an application & most lenders won’t worry about bad credit. They provide personal loans to consumers in every state except: Georgia, New York, New Jersey, Pennsylvania, Virginia, and West Virginia.
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 with one of the fastest online qualification apps around. 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 a same day title loan service with amounts of up to $30,000 in all states except: Connecticut, Colorado, New Jersey, and New York.
American Auto Title: American has provided online funding in South Carolina for around five years. American also has a handful of physical locations in other neighboring states. They can refinance existing loan amounts to get applicants a lower interest rate or monthly payment.
Premier Title Loans: Premier is a coast to coast company that claims to have some of the lowest rates in the industry. Applicants must show current employment with a minimum income of $1,300 a month, or have a co-signer to help with income requirements. Borrow anywhere from $1,500 to $30,000 and you can always qualify for financing with bad credit.
CheckSmart: CheckSmart offers quick cash loan amounts of up to $5000 in the state of Virginia. Per their website, most online applications are processed in 15 minutes or less. Borrowers are eligible to refinance their loan down the road. It looks like they only offer car title loans in Virginia.
745 Cash: This company seems to only offer car title loans online in the state of Tennessee. 745 Cash has been in operation for 17 years with physical locations throughout Tennessee. They’re offering a discount of 50% off all fees for the rest of the year.
Champion Title Loan: Champion allows you to apply for a title loan online or over the phone, with the goal of next business day approval and funding. They work with consumers in most states except, New York, North Carolina, Pennsylvania, and Virginia. You will need to own a vehicle with less than 120k miles to qualify.
Northeastern Lending: Northeastern is a vehicle title loan lender offering fast cash loans in a handful of 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 for an online title loan of under 10k.
Car Bucks: Car Bucks Corp is a direct lender of online title loans in Alabama, Delaware, Georgia, South and Massachusetts. Car Bucks loan amounts start at $200 and go up to $55,000. 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.
Today’s Financial Services: Today’s Financial is now only funding car equity loans in Florida. They have been around for years and it looks like they will wire the money into your bank account. They offer a car title loan that goes from $400 to $5,000 with a 6-12 month payment plan.
Ace Cash Express Loans: Ace provides multiple personal loan services online and in retail stores throughout the country. They have a quick approval process with next day funding and feature a 3 day risk free guarantee. Applicants can borrow up to $2,500 depending on vehicle equity and other qualifying methods.
QuickCashFunding: Quick Cash is only funding auto title loans to consumers in California. They’ve been in business for over 10 years and offer loan amounts between $2,500 and $40,000. Prospective loan amounts are based on the car’s value and other underwriting methods. Loans are made in accordance with the California Department of Financial Services.
Loan4Title: Loan4Title claims to have one of the fastest application processes out there, with the ability to get cash for your vehicle within an hour. They offer online title loans for any credit type, even with a past bankruptcy. Loan4Title does not require an active bank account or direct deposit.
LoanAutoTitle: LoanAutoTitle offers vehicle title loans in most of the Central US. This company provides secured loans up to $50,000 and it’s all based on the vehicle’s equity. Once approved for a pink slip loan you can have cash in hand in less than 12 hours.
Fast Title Cash: Fast Cash provides online funding options that range between $300 and $10,000. They’re licensed to fund online car title loans in California, Delaware, Texas, Ohio South Carolina and Virginia. Applicants need to make at least $1,700 a month for fast and easy approval with an online loan.
LendToYou: LendToYou does not provide car title loans. As we mentioned above, there are a few alternatives when it comes to obtaining online financing. If there’s a need for a smaller amount of money without using a vehicle as collateral, then a short term advance can be your best bet. With this type of loan, you can borrow anywhere from $200 to $5000. You will pay it back in a shorter amount of time compared to a car title loan online. This company facilitates unsecured loans all across the country. Borrowers can get an approval notification in 5 minutes.
Money For Title: MFT is another company based in Los Angeles. As of 2020, they’re only lending to Southern California residents. They stand out from other car title lenders as they claim to have the lowest interest rates in California. Interest rates start at 16% for their introductory offers.
One Way Title Loan: One Way is a direct lender in California with an active Finance Lenders Law License. Per their website they can underwrite a title loan in 30 minutes or less. They will take care of any DMV work for you and may also work with credit union financing. One Way is advertising lending amounts for an auto equity loan of anywhere from $2,600 to $17,000.
Luxury Performance Auto: This company works with applicants for online title loans in Florida. Luxury Performance offers between $4,000 and $45,000 depending on the car’s value. Once approved for a loan you can expect cash within 48 hours. 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.
Instant Car Cash Loans: Car Cash is a large company with over 30 store front financial institutions. They will usually let you borrow 50% of the value of your qualified vehicle. One drawback with them is that they’ll install a GPS device on a car until you pay off the loan.
1st Choice Money: 1st Choice is a lender that offers an online title loan with no credit check on the West Coast, especially in Utah. They offer up to $10,000 and accept most car titles as collateral assuming the car is already paid off. It seems they now accept apps from New Mexico consumers as well. Loans are made in accordance with the Utah Department of Financial Services.
CashForPinkSlip: Cash For Pink Slip is a direct lender that provides fast and easy financing for a vehicle title loan. It appears this title lender funds loans all the way down to $1,500 and go to $55,500. Amounts are based on vehicle status and ability to show proof of income. They also offer motorcycle and RV equity financing. CashForPinkSlip funds title pawn loans in Arizona, California, Georgia and Texas.
EmbassyLoans: This is a small lender that only offers online title loan services in Florida. They’ve been in business for over 15 years and promise the lowest annual percentage rate in the state. They let you customize the equity payoff time for most online title loans.
CashbackAdvance Loans: With over 30 locations, Cashbackadvance is one of the largest car title loan companies in Southern California. Customers can expect a quick application process with cash in hand in less than one hour. Offering title loans online of up to $10,000 for 2003 or newer vehicles.
TFC TitleLoans: TFC has offered car title loans for well over 20 years. You’ll need a 2006 or newer vehicle to qualify, and you can’t be in an active bankruptcy or in the military. Loan payoff terms are anywhere from 24-36 months and applicants can expect an approval for a loan within an hour.
Cash1: Cash1 is a large west coast based online lender that offers online title loans, home loans and other services. They claim to go up to 210 days for a car title loan payoff term with an interest rate that goes down over time.
RapidCarTitle: Rapid focuses almost entirely on East Coast consumers. As of 2020, they only offer a title loan in Florida and a few other East Coast locations. Looks to have an easy approval process for motorcycle, boat and car title loans as well.
Finova Financial: Finova provides a car equity line of credit with interest rates that are lower than other online title lenders. Their offer features a 1 year payback plan, same day funding and no prepayment penalty. Your vehicle needs to be lien free and you must show adequate comprehensive and collision car insurance. Finova offers secured loans in Arizona, California, Florida, New Mexico, South Carolina and Oregon.
AutoPawn: Offering loans since 1994, they say they are the oldest title loan lender in the country. Unlike most companies in this directory, they offer a 30 day money back guarantee and no pre-payment penalty when you repay the loan. AutoPawn promises to have a quick one hour approval process with some of the lowest interest rates around.
Title Loan Alternatives: This company goes by the name Online Funding Champs. They have a different approach than a normal auto title company or third party lender affiliates. They claim to have a much easier approval process by offering a leaseback. With a leaseback you sell a car to the company and lease it back with a buy back option. Finance charges will be comparable to what you see with credit card rates.
Cash2uloans: This company promises a fast loan approval in as little as 15 minutes. Loan amounts start at $500 and go up to 35k depending on the equity available in your vehicle. Online loans from Cash2u are available in Alabama, Texas and Virginia.
1800CartitleLoan: They facilitate funding for car title loans online in a few select states. 1800CarTitleLoan has served borrowers for over 14 years and will lend up to $15,000 based on the quality and value of the vehicle. They’ll also let you get a title loan, even if you already have one with another company.
Money Now Finances: This company advertises as a credit access business that provides lending products and services. Money Now has been in business for over two decades, and they offer vehicle title loans in California, Arizona & New Mexico. Prospective borrowers must make at least $1,500 a month and have six references to qualify for a loan.
Instant Car Equity Loan: This online lender offers car equity loans with little emphasis on the credit score. Your vehicle will need to show a trade-in value or equity amount of around $5,000. ICEO provides a loan amount of $2,500 and the loan process will often vary by state.
LoanMart: Loanmart has offered pink slip loans since 2002 and they’re seen as the nation’s leading provider of auto title loans. They also have physical locations where you can apply for a personal loan. Loanmart is currently providing next business day funding.
Capitol Lending: Capitol offers loans online and at their local retail locations. They only provide funding in Delaware, but may soon add other options in neighboring states. Capitol says they won’t check an applicant’s credit score, and they will sign off on a qualified loan of $200 to $5000 in 15 minutes. Show a clear title with proof of income to qualify for the maximum loan amount.
TurboTitleLoans: TTL is a large direct lender funding online title loans across the country. They offer funding in every state except Arkansas, Maryland, Maine, New York, West Virginia, Hawaii, and Alaska. You can qualify for a bad credit loan amount of $1,000 and up with an APR of 10% per monthly payments.
Title Cash USA: They claim to have a large presence throughout the country with over 400 locations. Currently providing equity loans with interest rates of anywhere from 36%-360%. Applicants need to submit a clean vehicle title with government issued ID and other relevant documents. They claim to offer car title loans with no credit check of $300-$10,000.
iNeedCashNow: This direct lender offers some of the most competitive terms in the auto equity industry. IneedCash is a title loan company with services in California, Missouri, Nevada and Utah. They have been in operation for years and are licensed in all the states they operate in.
123FundMe: 123Fundme is an online based service that features a secured loan. They claim to have a low introductory interest rate with other benefits such as the ability to payoff your full balance early with no penalty. They offer car title loans with no credit check in California, New Mexico, Florida and Georgia. Funding amounts range from $1500 and above depending on the value of your vehicle.
CashMax Online Title Loans: CashMax is a Midwest based company that serves residents of Oklahoma. They feature a pre-approval process of less than an hour with a loan amount that reach $10,000. Cashmax will let you complete the application process over the phone with limited documents required.
Smart Choice Loans: Smart Choice has been in business for over 10 years and offers vehicle title loans to consumers throughout the South. They will let you apply for financing online and you can get cash that same day at any of their retail locations. Smart Choice has a promotion where you can get $50 by applying online opposed to in person.
BroadStreet: They’re a California based lender that offers a car title loan service in California. They provide a 100% online application process with the option to get cash in hand that same day. BroadStreet offers convenient payment terms as short as 30 days and as long as 3 years.
ACarTitleLoan: Offering long term secured loan since 1994. ACarTitleloan is a West Coast based credit services organization. As of 2020 they feature title pawns in Arizona, California and New Mexico. They will approve and finance a loan for vehicles with a wholesale value of at least $5,000.
JaycoAutoLoans: JayCo is another California based company that primarily offers a car title loan online. They have a pre-approval process which should not last any more than 15 minutes. Most of their clients who get an instant loan have cash in hand that same day. Will lend anywhere from $2,500 to $15,000 with an average annual percentage rate.
BSL Financial: BSL is a direct finance lender that’s been in business since 1999. They’ll let you borrow up to $25,000 depending on the car’s value and estimated term loan payments. Consumers need to have a car with equity of at least $3,200 to qualify. They speak Spanish and you can even get approved with a bankruptcy home loan default or self employment.
MoneyTree: MoneyTree has been in business for decades as a check cashing and cash advance company. According to their website, they offer personal loans and title loans online in Washington, Idaho, Nevada and California. Customers can make payments and pick up cash at any of their licensed branches. Their fees as broken down on their site, say a title loan costs $25 per $100 borrowed and will come due in 30 days.
Online Title loans LV: As the name of the company says, they fund loans throughout the greater Las Vegas area. They’ve been in the business of vehicle equity financing since 1997 and it looks like you can complete the application in 10-20 minutes. You can also choose payoff terms that start at 30 days.
USTitleLoans: Another Las Vegas based lender that provides an online title loan service. USTitleLoans has many options available when it comes to their monthly finance terms and rates. You can complete the application completely online, but you still need to verify your drivers license information and other other documents.
TitleLoanFast: TLF is a direct lender based in the Midwest that offers loans in 10 states. They have walk in locations in Iowa and South Dakota where you can apply and get a vehicle inspection done in person. Financing terms are based on the current blue book value. It looks like they also offer online installment loans with payment terms of 6-12 months through their tribal lending program.
Auto Money: Auto Money claims to be the most trusted leader for car title loans in the Southeast. They have over 100 walk-in locations throughout Georgia and South Carolina. Auto Money has instant approval equity financing of up to $18,000. Unlike a bank or credit union, they’re known for not requiring a credit check. Applicants who qualify can expect a check or western union payment within an hour of approval.
TitleMax: One of the largest financial institutions in this industry, with locations in most states. One of the few companies that also fund vehicle 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.
CashMax Ohio: As the name of their company says, they fund auto title loans in Ohio of anywhere from $300 to $9,000. They don’t have a minimum loan amount as most payoff terms will be set as required by law. CashMax will notify the OHIO BMV to release the lien as soon as it’s paid off.
Georgia Auto Pawn: This company only provides car title loans in Georgia. But they provide a very strong presence in the state with over 40 retail locations. G.A.P asks for a lien free pink slip and offers long term funding that reaches 15k for qualified vehicles. A checking account is not required and they do not report to the credit bureaus.
TitleLoansPro: They are a coast to coast direct lender. TitleLoansPro is unique in that they promise same-day cash for your pink slip. This company has a quick application process that doesn’t always require a vehicle inspection. They are a direct car title loan lender in California, South Carolina, Alabama and Utah.
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Check back often as we are always adding new direct lenders to our site. We update this database of online title loans at least once a week as more companies come on board! If you know of any legitimate lenders(ideally they let borrowers apply online) who are not included in our database please contact us. You can also reach out to us with any questions or comments at firstname.lastname@example.org!