Are you looking for a title loan place near me? 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 find out that most don't provide funds in your area. So, 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 lenders was updated on March 1st, 2023
TitleMax: One of the largest title loan companies in this industry, with over 900 locations throughout the country. They fund title pawns on motorcycles and boat pink slips. In addition, 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.
LoanMart: LoanMart has been a leader in secured lending for nearly two decades. With over 250,000 customers, they are of the nation's leading title loan companies. They have physical offices in 13 states where you can apply for secured or personal loans. 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. They have stopped offering title loans in most states and currently only service loans in Idaho and Nevada. 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: 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. You need to own a car that's less than 14 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 company only offers loans in the state of Tennessee. 745 Cash has been operating since 1997, with physical locations throughout Tennessee. Their maximum loan amount is $2,500, and borrowers can pay their monthly payments online with a debit card.
Advance America: Advance America has provided online and in-store auto equity loans for nearly 20 years. Per their website, they offer title loans in 13 states and have over 1,400 lending locations. You can qualify online and bring your vehicle to their local stores for a quick inspection.
Car Title Loans 123: This company offers access to title loans in at least 37 states. They claim to provide fast online approval with loan amounts of up to $15,000 for some newer cars with low mileage. To qualify, an applicant must be employed and own a vehicle from 2007 or newer.
NorthEastern Title Loans: NorthEastern Title Loans is part of the LoanMax family of companies and offers loans of up to $10,000 in 20 states. They have been around since 1990 and provide a low rate guarantee for your loan's APR. All customers can initially apply online, but you must visit one of their many locations to inspect the vehicle and sign off on the paperwork.
Car Bucks: Car Bucks Corp has title loan places in Alabama, Delaware, Georgia, South Carolina, and Florida, and you can 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 proof of residency with a valid checking account to ensure they can repay the entire loan amount. Some borrowers must show valid proof of vehicle ownership and income history to qualify.
Ace Cash Express: 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 Texas. Rates and fees vary by state and other qualifying methods. Ace is one of the few auto title loan companies to offer a three-day satisfaction guarantee.
Auto Cash USA: Auto Cash USA provides online title loans that range between $300 and $15,000, depending on the state. They're licensed to fund car title loans near me 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 lending 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 South Carolina and Georgia residents. Loan amounts in both places 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 must 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 $15,000, and you can still qualify for financing with bad credit. Highway Title Loans provides auto title loans in Alabama, Arizona, California, Florida, Georgia, Mississippi, Missouri, Ohio, South Carolina, Texas, Utah, and Virginia.
One Way Car Title Loan: One Way is a direct lender in California with an active Finance Lenders Law License from the DFPI. 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 paperwork and say you can borrow anywhere from $2,600 to $15,000 with manageable interest rates depending on vehicle value.
1st Choice Money Center: 1st Choice is a lender that offers payday loan cash advances and 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 must 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, Michigan, Missouri, Mississippi, Nevada, New Mexico, Ohio, Oklahoma, South Carolina, Texas, Wisconsin, and Utah.
CashForPinkSlip: Cash For Pink Slip has been in business since 1990 and is a direct lender based in California that provides easy financing for a car title loan with cash in 15 minutes. This company funds loans from $2,510 and goes up to $50,000. They claim to have lower than industry standard fees and APR and also offer motorcycle equity financing. You can apply for a motor vehicle title loan online with them in CA in AZ, regardless of your credit history.
Embassy Loans: This lender offers auto equity loans near me in Florida and has been operating since 2005. They let you customize the payoff time (up to 14 months) and feature competitive interest rates. Embassy Title Pawn also offers equity loans for your RV, motorcycle, and commercial truck or vehicle.
Cash1: Cash1 is a direct lending company in Arizona and Nevada that offers vehicle title loans near me, equity loans and installment loans. They provide funding amounts as low as $100 and go to $30,000 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 a Southern California 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 local funding at multiple title loan places in Florida, and you can also apply directly online. 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 title loan places, they offer a 30 day money-back guarantee and no pre-payment penalty when you repay the loan. In addition, Auto Pawn US promises to have a quick one hour approval process for both motor vehicle and equipment pawns, with some of the lowest interest rates around when you get a loan online.
Title Cash: Currently providing vehicle title loans near me at over 400 locations, with annual rates of anywhere from 36%-360%. Applicants must 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 online 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 secured lender in Nevada that provides installment payday loans. US Auto Title has many options available for customers looking for a title loan near me, with monthly finance terms and lending amounts that can go up to $7,000. 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 near me 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 needed as they can send someone to you to complete the vehicle inspection.
Speedy Cash: Speedy Cash is a full service direct lending company that promises same-day cash for your motor vehicle pink slip. Per their website, they have hundreds of employees and customer service reps and offer funding near you 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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