Did you know that most lenders are only licensed to offer title loans in just a few states? You may spend hours looking for the best lender, only to find that 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 lenders was revised on: July 3rd, 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 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.
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 $40,000 and you can still qualify for financing with bad credit. Highway only provides online title loans in Arizona, California, Georgia, Florida, Idaho, Missouri, New Mexico, South Carolina and Utah.
Capitol Lending: Capitol provides loans online and at their local retail locations. At this time they only fund online title loans in Delaware, but they may also lend in neighboring states. Capitol says they won’t check an applicant’s credit score and they will sign off on a loan of $200 to $5000 in 15 minutes. Show a clear title with proof of income to qualify for the maximum loan amount. Terms will run anywhere from 6-24 months.
CarTitleLoans123: This company offers online title loans in 40+ states. They claim to get you instant online approval with loan amounts up to $25,000. To qualify for a loan, an applicant must be employed and own a 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 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 put up your vehicle as collateral for a loan. Also, there are fewer requirements with filling out an application & most lenders won’t worry about bad credit. Simply put you may be better served with a cash advance loan, especially when looking for a smaller loan amount($200-$800) & quicker payoff. 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 and 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 same day online title loans of up to $30,000 in all states except: Connecticut, Colorado, New Jersey, and New York.
American Auto Title: American has provided online title loans in South Carolina for around five years. It also appears that they’re one of the only title loan companies that offer online equity loans in North Carolina. American has a handful of physical locations in those two states, but they also take applications online. American will also refinance current amounts to get applicants a lower interest rate or monthly payment.
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 of your vehicle. Payoff terms will range from 12 to 48 months with loan amounts of $2500 and up. Your vehicle will probably need a blue book value of $1,500+ with less than 115,000 miles to qualify. They may be able to facilitate funding for title loans in some neighboring West Coast states as well.
Premier Title Loans: Premier is a coast to coast company that claims to have some of the lowest rates in the industry. Applicants will need to show 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. Premier provides online funding in most states.
CheckSmart: CheckSmart offers quick cash amounts of up to $5000 in the state of Virginia. Per their website, most online applications are processed in 15 minutes or less. Most borrowers are eligible to refinance the loan down the road. It looks like they only offer auto title loans in Virginia.
745 Cash: This company seems to only be funding car title loans online in the state of Tennessee. 745 Cash has been in business for 16 years and has physical locations throughout Tennessee. Currently offering a discount of 50% off all 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 goal of next business day approval and funding. They claim to work with consumers in most states except, New York, North Carolina, Pennsylvania, and Virginia. You will need to own a vehicle with less than 100k miles to qualify.
North Eastern Lending: Established 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 auto title loans in Delaware. They also lend in Georgia, South Carolina and Massachusetts. Car Bucks loan amounts start at $200 and go up to $55,000. Applicants may have to show proof of residency with a valid checking account to make sure they can repay the loan. 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 claim to have been in business for years and it looks like they will wire the money into your bank account. They’re currently offering online title loans of anywhere from $400 to $5,000. Most loans will have 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 collateral and other qualifying methods in California.
QuickCashFunding: Quick Cash is only funding auto title loans to consumers in California. They’ve been in business for over 10 years and are finance amounts between $2,500 and $40,000. Applicant loan amounts will come from the car’s value and other underwriting methods.
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 for any credit type, even if you have a past bankruptcy. Loan4Title does not require an active bank account or direct deposit.
LoanAutoTitle: LoanAutoTitle handles online title loans most of the central US. This company offers secured loans up to $50,000 and it’s all based on the vehicle’s equity. Like most lenders, they process bad credit loan applications within 20 minutes. Once approved for a pink slip loan you can have fast cash in hand in less than 12 hours.
Fast Title Cash: Fast Cash provides online funding that ranges 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 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 you’re looking for a large amount of money and are ok with using your car for collateral then an auto title loan may be the best option. 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. This company facilitates unsecured loans all across the country. Borrowers can get an approval notification in 5 minutes.
Money For Title: Another company based in Los Angeles. 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 14% for their introductory offers.
One Way Title Loans: One Way is another one of the many companies based in California. Per their website they underwrite online title loans 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. This amounts depends on the vehicle’s quality after the initial inspection.
Luxury Performance Auto: This company is only funding auto title loans to consumers in Florida. Luxury Performance offers between $4,000 and $45,000 depending on the car’s value. Once approved for the loan you can expect to have cash in hand 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 California based company with over 30 store front financial institutions. They will usually let you borrow 50% of the value of your vehicle with most online title loans. 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 car title lender that offers online title loans 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.
CashForPinkSlip: Cash For Pink Slip is a direct lender that provides fast and easy financing for title loans online in a handful of states. 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 auto title loans to consumers in the state of Florida. They’ve been in business for over 15 years and promise the lowest annual percentage rate in the state. They let you customize your equity loan payoff time.
CashbackAdvance Loans: With over 30 locations, Cashbackadvance is one of the largest car title loan companies in Southern California. In fact, that’s the only location where they can get borrowers cash for a pink slip. 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.
TFC TitleLoans: has been funding online title loans for well over 20 years. To qualify for a title loan online, you will need to be at least 25 years old with a 2006 or newer vehicle. You can’t be in an active bankruptcy or in the military. Loan payoff terms will be anywhere from 24-36 months and applicants can see approval for a loan within an hour.
Cash1: Cash1 is a large west coast based online lender that offers direct car title loans, payday loans and other services. They claim to go up to 210 days for a car title loan payoff term with an interest rate of roughly 165%. Offering loans for qualified residents of up to $50,000.
RapidCarTitle: Rapid Online Title Loans focuses almost entirely on East Coast consumers. As of 2020, they’re only offering loans in Florida and a few other East Coast states. Licensed to provide online funding in the state of Florida. 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 loan 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 only provides secured loans in Arizona, California, Florida, New Mexico, South Carolina and Oregon.
Auto Pawn: Offering loans since 1994, they say they are the oldest auto title loan lender in the country. Currently offering 100% online equity terms throughout the country. Unlike most firms in this directory, they offer a 30 day money back guarantee and no pre-payment penalty when you repay the loan. Auto Pawn promises to have a quick one hour approval process with some of the lowest interest rates around.
TitleLoan Alternatives: This company goes by the name Online Funding Champs. They have a different approach than a normal auto title company or unaffiliated third party lender. They claim to have a much easier approval process by offering a leaseback. A leaseback differs from traditional auto title loans. You sell a car to the company and lease it back with an option to buy it back. Finance charges will be comparable to what you see with credit card rates. It’s definitely an interesting concept, but you need to do your homework on it before committing.
Cash2uloans: This company promises an online lender 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. An online loan is available in Georgia, South Carolina and Virginia.
1800CartitleLoan: Large online based West Coast car title lender. 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 Lending: This company advertises as a credit access business that provides online lending products and services. They claim to have been in business for over two decades and they offer vehicle title loans in California, Arizona & New Mexico. Prospective borrowers will need to make at least $1,500 a month and have six references to qualify for a loan.
Instant Car Equity Online: This online lender offers online equity loans in the state of California. They focus on the central part of California, but can take applications from the entire state. Your vehicle will need to show a trade-in value or equity amount of around $5,000. Car Equity provides pink slip loans of $2,500 and up.
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 in many states where you can apply for a personal loan. Loanmart is currently providing next business day funding in most states.
TurboTitleLoans: TTL is a large direct lender funding online loans across the country. They offer loans in every state except Arkansas, Maryland, Maine, New York, West Virginia, Hawaii, and Alaska. Offering bad credit loan amounts of $1,000 and up with an interest rate of 10% per monthly payments.
Auto Title Cash USA: They claim to have a large presence throughout the country with over 400 locations throughout the nation. Currently providing equity notes with interest rates of anywhere from 36%-360%. Applicants need to submit a clean title with government issued ID. Auto Cash seems to offer car title loans with no credit check of anywhere from $300-$10,000.
iNeedCashNow: This direct lender offers some of the lowest rates in the auto equity industry. IneedCash issues online title loans in California, Georgia, Missouri, New Mexico, South Carolina and Utah. They have been in operation for years and are licensed in all the states they operate in. Also provides signature loans for California residents with good credit.
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 offer car title loans with no credit check in California, New Mexico, Florida, Georgia and South Carolina. Funding amounts range from $1500 and above depending on the value of your vehicle.
CashMax TitleLoans: CashMax is a Midwest based company who serves applicants in Oklahoma. They feature a pre-approval process of less than an hour with finance amounts that reach $10,000. Cashmax will also let you complete the application process over the phone.
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 financing 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 opposed to in person.
BroadStreet: They’re a California based lender that only offers car title loans in California. They provide a 100% online application process with the option to get cash in hand that same day. BroadStreet features payment terms that go as short as 30 days and as long as 3 years.
ACarTitleLoan: Offering long term secured loans online since 1994. ACarTitleloan is a long serving West Coast based credit services organization. As of 2020 they feature online title pawn loans in Arizona, California and New Mexico. They claim they will approve and finance a loan as your car has a wholesale value of at least $5,000.
JaycoAutoLoans: JayCo is another California based company that offers online title loans in the state. 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: West Coast based 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 for their car title loan. They speak Spanish and you can even get approved with a bankruptcy or self employment.
MoneyTree: MoneyTree has been in business for decades as a check cashing and cash advance company and are often rated as a top company to work for. According to their website, they offer personal loans and title loans online in Washington, Idaho and Nevada and California. You can make payments and pick up your cash at any of their state licensed branches. Their fees as broken down on their site, state a title loan costs $25 per $100 borrowed and will come due in 30 days.
Titleloans LV: As the name of the company says, they fund online loans for your pink slip throughout the greater Las Vegas area. They have a handful of offices in Las Vegas and they also take applications for car title pawns online. They’ve been in the business of vehicle equity financing since 1997. It looks like you can complete the online application in 10-20 minutes. Most borrowers in the Las Vegas area will have their cash within an hour. You can also choose payoff terms that start at 30 days.
USTitleLoans: Another Las Vegas based lender of online title loans. They also fund auto pawn loans online throughout the state of Nevada. USTitleLoans has many options on their monthly finance terms and rates. You can complete the application completely online. But you still must get the note of title and license information verified.
TitleLoanFast: TLF is a direct lender based in the Midwest that currently funds 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 vehicle equity and 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. They are without a doubt one of the largest title loan companies in those two states. 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 within an hour approval.
TitleMax: One of the largest financial institutions in this industry, with locations in most states. One of the few companies that also fund title pawns on motorcycle and boat pink slips. They do not check your credit score during the underwriting process. TitleMax provides equity financing up to 10k with a clean pink slip.
CashMax Ohio: As the name of their company says, they fund auto title loans in Ohio. A state resident can borrow $300 to $9000 with a clean title. They don’t have a minimum loan amount as most payoff terms will be set as required by state law. CashMax also has an online payday loan product. They will notify the state of Ohio to release the lien as soon as it’s paid off.
Georgia Auto Pawn: This company only provides direct car title loans in Georgia. But they provide a very strong presence in the state with over 40 retail locations. G.A.P will ask for a lien free pink slip and can offer 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 online lender. TitleLoansPro is unique in that they promise same-day loans 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 that operates in California, South Carolina, Alabama and Utah.
Check back at least once a week as we are always adding new direct lenders to our site. We always update this database as more companies come on board! If you know of any lenders that offer online title loans who are not included in our database please email us at firstname.lastname@example.org!