Are you looking for a top title loan company that offers online loans based on the equity of your vehicle? Do you know that most direct lenders are only licensed to offer online car title loans in just a few states? You can spend hours looking for a lender with the best rates and terms, only to discover that most don't provide funds in your area. Even worse, some of these companies claim to provide title loans when, in fact, they only offer unsecured loans that require excellent credit. Don't waste time searching for an online lender! Instead, use this list of title loan companies to find the best lender in your state.
This list of direct lenders was updated on February 25th, 2026
TitleMax: TitleMax is one of the largest title loan companies, with over 1,150 locations nationwide. TitleMax offers car title loans up to $10,000 using a lien free vehicle as collateral, and they don't always require a full credit check during the underwriting process. They also offer title loans on motorcycles and semi trucks.
LoanMart: LoanMart has been a leading title loan provider for nearly two decades and claims to have worked with over 250,000 customers. They have physical offices in 13 states where you can apply for a title loan. LoanMart currently offers next-business-day funding for loans up to $30,000.
Money Tree: Money Tree has been in business for decades as a nationwide cash advance lender. They have stopped offering title loans in several states and now offer loans only in Idaho and Nevada. Loan amounts are capped at $500 in Idaho and $10,000 in Nevada.
Advance America: Advance America has provided online and in-store title loans for nearly 25 years. Per their website, they offer online title loans in 10 states and have over 1,200 lending locations. You can qualify online and bring your vehicle to their local stores for a quick inspection.
NorthEastern Title Loans: NorthEastern Title Loans is part of the LoanMax family of companies and offers title loans of up to $10,000 in 20 states. They have been around since 1990 and offer a low-rate guarantee on your loan's APR. All customers can initially apply online; however, they must visit a physical location to have their vehicle inspected and sign the paperwork.
Car Bucks: Car Bucks has offices in Alabama, Georgia, South Carolina, and Florida, and you can apply over the phone or in person. Loan amounts range from $500 to $10,000. Applicants must provide proof of residency and income verification to ensure they can repay the loan.
Ace Cash Express: Ace provides title loans online and at over 850 retail stores nationwide. They are one of the largest short-term lenders in the United States. Ace offers a 3-day satisfaction guarantee for car title loans ranging from $500 to $20,000.
Auto Cash USA: Auto Cash USA offers car title loans ranging from $300 to $20,000, depending on the state in which you reside. You must make at least $1,850 a month to qualify, and their interest rates start at 36% in some states.
Auto Money: Auto Money is another leading title company based in the Southeastern United States. As of 2026, they offer car title loans in Georgia and South Carolina. Loan amounts in both states max out at $20,000, and they promise instant approval with no credit check. You can keep driving your car for the life of the loan, and they also offer a refinancing option if you're looking for a lower rate on an existing loan.
Highway Title Loans: Highway claims to offer some of the lowest rates in the title lending industry, with funds available in under 24 hours. Applicants must verify employment with a minimum monthly income of $1,500 to meet the income requirements. Borrow anywhere from $500 to $25,000, and you can still qualify for financing with bad credit.
One Way Car Title Loan: One Way is a direct lender in California with an active Finance Lenders Law License from the DFPI. According to their website, they can underwrite most car title loans in 30 minutes or less, with loan amounts ranging from $2,500 to $25,000.
1st Choice Money Center: 1st Choice is a lender that offers payday loans and vehicle title loans with minimal credit checks in dozens of locations throughout Idaho and Utah. They offer car title loans of up to $15,000 and accept most 2016 or newer vehicles as collateral, provided they are fully paid off.
Cash Time Loan Centers: Cash Time has been in business since 2000 and is a direct lender based in Arizona, providing registration loans and car title loans. This company funds loans from $500 and up. You can apply for a title loan online or meet with them in person at locations in Phoenix or Tucson.
Cash1: Cash1 is a direct lender operating in Arizona and Nevada, offering vehicle title loans with funding in 1 business day. Funding amounts range from $250 to $25,000, depending on your vehicle's resale value. Cash1 also buys out existing title loans so that you can reduce your monthly payment or overall interest rate.
Premier Title Loans: Premier is a Southern California company that claims to feature some of the lowest rates in the industry. Applicants must verify income and show a paid off car title to be pre-approved. Borrow anywhere from $2,500 to $25,000 with a newer car, SUV, or motorcycle.
LendNation: LendNation offers car title loans at over 300 locations in 12 states. Applicants must submit a clean vehicle title, along with a government-issued ID and proof of registration, to qualify. As of 2026, you can borrow up to 50% of the vehicle's equity.
CashMax Title & Loan: CashMax offers payday loans, installment loans, and online title loans in Texas. Loans range from $750 to $20,000, with funding in as soon as 24 hours. Apply in person and finish the vehicle inspection at any of their 36 Texas locations.
California Title Loans: They offer car title loans exclusively in California, allowing customers to apply online or at their lending locations throughout Southern California. They promise interest rates capped at 36% for loans under $10,000 with a repayment term of 4 years or less. You can still qualify if you're not fully employed, but a vehicle inspection will likely be required.
US Auto Title: US Auto Title offers installment, payday, and vehicle equity loans in Nevada. They offer numerous options for customers seeking an online title loan, with monthly finance terms and lending amounts of up to $10,000. You can complete the application online; however, you must still verify your driver's license information and other required documents.
Georgia Auto Pawn: This lender offers car title loans exclusively in Georgia. They ask for a lien free title as collateral and offer loans up to $20,000 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 your location to complete the vehicle inspection.
Texas Title Loans: Headquartered in Dallas, they offer title loans in Texas with loan amounts up to $25,000. In addition to title loans on cars, they also provide title loans on motorcycles, RVs, and semi trucks, and you can qualify for any of their loans with a FICO score of 550 or higher. As of 2026, Texas Title Loans offers access to same day funding through direct deposit.
Speedy Cash: Speedy Cash is a full-service direct lender that promises fast funding for a title loan with a lien free vehicle as collateral. According to their website, they have thousands of employees and offer funding locations in 12 states. They offer a quick online pre-approval process that doesn't always require a vehicle inspection for loans under $4,000.
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