Your car or motorcycle can help you get the cash you need, and you hold on to the keys while you pay it back. It takes about two minutes to find out what you could borrow.
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There's no store to visit. You can do every part of it online, wherever you are.
Give us the basics: mileage, year, make and model, plus your ZIP code. That's about two minutes of your time, and it's free.
Tip: Have your mileage handy. A newer vehicle with fewer miles tends to qualify for more.
Next, your vehicle's value is worked out from recent market prices. That number is the starting point for what you can borrow.
Send a photo ID, your vehicle title and proof that you bring in at least $1,500 a month.
Tip: Gather everything before you start. It keeps things moving.
Once you're approved, you sign online. Money is sent by wire, check or direct deposit and can arrive in as little as 24 hours.
If you're approved, you could have the cash in as little as 24 hours.
Example rates, fees and payments are right here on this page. You can look them over before you fill anything out.
You keep driving while you pay. Once the loan is paid off, the lender's name is taken off your title.
You won't go to a store or meet anyone for an inspection. Snap the photos and upload your papers from wherever you are.
What your vehicle is worth counts most. So a low credit score may not stop you.
You pay the same amount each month. And if you pay it off sooner, there's no penalty.
Pull these together before you start. Then paperwork won't slow you down later.
Your checklist6 items
You're listed as the owner, and no other loan is on the vehicle.
A driver's license, state ID or passport with the same name that's on your title.
Proof that the vehicle is insured and registered right now.
Old enough to sign a loan in the state where you live.
Shots of the outside, inside, odometer and VIN, so no one has to see it in person.
Something that shows $1,500 or more coming in each month, like pay stubs, bank statements or a benefits letter.
You borrow money and use your vehicle as security. How much you can get depends mostly on what it's worth, and you keep driving it while you pay. Until the loan is paid off, the lender is added to your title as the lienholder. After that, the lender comes off and the title is all yours again.
Three things decide it: your vehicle's value, your income and the state you live in. For vehicles worth more, loans go as high as $50,000. Newer models with fewer miles usually get more.
If you're approved, it can arrive in as little as 24 hours. The best way to speed things up is to have your title, ID, proof of income and vehicle photos ready before you start.
You pay the same amount each month for 12 to 36 months. You can pay extra or pay it all off early with no penalty, and that cuts the interest you owe.
Talk to your lender as early as you can. Late fees may apply. Because your vehicle backs the loan, if you keep missing payments, the lender can take the vehicle. This is called repossession. That's why it's best to borrow only what you know you can repay.
Loan approval depends on meeting the lender's credit criteria, which may include providing acceptable property as collateral. The loan amount, term and Annual Percentage Rate you qualify for may vary. Repayment terms are greater than 90 days and up to 36 months. Loan proceeds are intended primarily for personal, family and household purposes. Minimum loan amounts vary by state. You must be able to demonstrate the ability to repay the loan.
Not every applicant will qualify for the representative examples below, and final rates, terms and fees may vary by lender. If you are offered a loan, you can review the complete offer before accepting it. Providing your information does not guarantee approval. There is no charge to use this website, and Title Loan Hero may receive compensation from lenders and advertisers.
| Number of months | Annual percentage rate The cost of your credit as a yearly rate | Finance charge The dollar amount the credit will cost you | Amount financed The amount of credit provided to you | Monthly payment | Total of payments What you will have paid after all scheduled payments |
|---|---|---|---|---|---|
| 12shortest term | 35.91% | $536.08 | $2,615.00 | $262.59 | $3,151.08 |
| 24 | 35.90% | $1,087.72 | $2,615.00 | $154.28 | $3,702.72 |
| 36longest term | 35.95% | $1,694.56 | $2,615.00 | $119.71 | $4,309.56 |
| 12 monthsshortest term | 24 months | 36 monthslongest term |
|---|---|---|
| Annual percentage rate (APR) | ||
| 35.91% | 35.90% | 35.95% |
| Finance charge | ||
| $536.08 | $1,087.72 | $1,694.56 |
| Amount financed | ||
| $2,615.00 | $2,615.00 | $2,615.00 |
| Monthly payment | ||
| $262.59 | $154.28 | $119.71 |
| Total of payments | ||
| $3,151.08 | $3,702.72 | $4,309.56 |
It costs nothing, and you don't have to take any offer.
