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Home > Articles > What's a Title Loan | Learn What a Car Title Loan Is

What is a Car Title Loan?

A car title loan is a loan that someone gets after handing over his or her car title to a lender as collateral. This type of borrowing transaction is based upon vehicle value, so credit history is not a factor in the approval process.

Due to the fact that credit checks are not involved, the approval process is very quick. A majority of borrowers receive their funds within as little as 24 hours!

A title loan is an ideal option for people without good credit and people who need money as soon as possible. There is a minimum amount of requirements to borrow against your car, so you can easily drive away with a fatter wallet.

Get a Title Loan with Bad Credit

Many people are hesitant to apply for a loan because they are afraid of being rejected based on their credit score. When you apply for a title loan, your credit is not a concern.

In fact, you can be approved with poor credit, nonexistent credit, or even bankruptcy on file. Our lenders are primarily concerned with your ability to produce a clear title.

After all, your car title loan is based on the value of your vehicle instead of the number that appears on your credit report.

You can say goodbye to the days of waiting in long lines and filling out mounds of paperwork at a bank. When you apply for a title loan, you will receive an immediate pre-approval estimate.

Do not let bad credit hold you back any longer. Submit your application today and receive money tomorrow!

Benefits of a Car Title Loan

The benefits of a car title loan are numerous. To begin, you can keep your vehicle while you pay off the loan.

You will never need to worry about getting to and from important destinations. You will be asked to temporarily hand over your title, but this action does not prevent you from operating your vehicle.

In addition, our lenders offer extremely flexible payment plans. You can take as long as 42 months to pay off your loan. We know that you may need some time to get back on your feet, so we provide a generous time frame.

If you have the ability and willingness to pay ahead of schedule, you can do so without facing prepayment penalties.

Additional benefits of a title loan:

  • Some of the lowest interest rates in the industry
  • Can complete entire application from your home computer
  • Hundreds of locations in just one state
  • You can get up to $50,000 for a loan

Now that you have a clear understanding of a title loan, it is time to take action and address your pressing financial needs.


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** No credit checks on title loans, personal loans subject to credit check.