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  • Direct Lender
  • Borrow Up To $50,000
  • Loan Terms Up To 48 Months
  • No Prepayment Penalty
  • Minimum Income Of $1,500

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There are plenty of reasons to take out a title loan. You might be starting a business or remodeling your home. Or maybe you need to pay off debts, create an emergency fund, or build your existing credit.

No matter the reason, you must understand your lending options, as well as the strengths and terms of your lender. Picking a lender can make a significant difference in your total out-of-pocket costs. Put another way: ensure your lender has your best interests in mind before taking out your title loan.

LoanCenter is a financial service provider based in Los Angeles that offers online auto and title loans. They have provided borrowers with more than $5 million to date. If you are considering borrowing from the company, here’s what you need to know.


What Does The LoanCenter Offer?


LoanCenter offers three products: auto loans, auto title loans, and refinancing options for both. Auto loan providers give money to borrowers to pay for a car or vehicle. With a title loan, you already own the car but use it as collateral to borrow money. It’s also known as “fast auto loans” and can also apply to RVs and motorcycles.

The third option is refinancing. The idea is to replace your debt obligation to an auto or title loan with a new one under new terms. Borrowers can improve their conditions in several ways, including lower interest rates, monthly payments, or waiving penalties.


How Do I Apply?

Loan Center Application

Applicants can get in touch with LoanCenter online or in person. The company has brick-and-mortar locations in eight states, including Arizona, California, Georgia, Idaho, Missouri, New Mexico, South Carolina, and Utah. You can use their store locator for a list of LoanCenter locations in those states. also lets people apply for auto and title loans online and refinancing. You must be in one of the states mentioned above to qualify. Otherwise, you will not be eligible for their title loan services.

First, visit LoanCenter’s website and select the product you want. Refinancing and title loans are the most straightforward options and take as little as a minute to apply for. To apply, you must submit the required information:

  • The make, model, and year of your vehicle
  • Vehicle trim and mileage
  • Desired loan amount
  • Name
  • Email address
  • Phone number
  • Zip code
  • How you heard about LoanCenter

Auto financing also requires some basic information, like your name and address. The application also includes some financial fields that LoanCenter uses to calculate its title loan offer. If users qualify, LoanCenter will show them the total amount of money they can receive, along with their expected APR and repayment time. The additional fields include:

  • Length at address
  • Length at job
  • Monthly gross income
  • Preferred title loan amount
  • Preferred down payment
  • Preferred monthly payment

After completing the application process, LoanCenter reviews the information and either approves or rejects it. If you qualify, a LoanCenter representative will contact you about your application and the process for completing your title loan. During this step, you will go over the borrowing terms and rates.

If you do not qualify, you may have one of two problems. For instance, if you don’t live in one of the eight qualifying states, LoanCenter will not lend money to you. Another common cause is poor credit history.

While a low credit score can hamper financial flexibility, it is correctable. First, get a free credit report from one of the three national credit bureaus: EquifaxExperian, and TransUnion. US citizens are legally entitled to one free report per year per company.

Your credit report is an opportunity to see your existing lines of credit and financial history. It can serve as a blueprint for places to improve your financial strength. Additionally, if you notice any errors in the report, contact all three bureaus for a correction.


Eligibility Criteria to Apply For LoanCenter

LoanCenter requires specific information to see if applicants are eligible for their title loans. The company also filters people based on geography, credit history, etc. To get a title loan, you must meet these qualifications:

  • You must be at least 18 years old
  • You must be a US citizen or permanent resident
  • You must live in Arizona, California, Georgia, Idaho, Missouri, New Mexico, South Carolina, or Utah

The qualifications to refinance or obtain an auto loan are easier. LoanCenter requires more information for a title loan because your car’s value as collateral will directly impact the loan size. If you apply for a title loan, you must also:

  • Have a driver’s license and a valid form of government-issued ID
  • Own a vehicle under your name, including cars, motorcycles, and RVs
  • Have a lien-free car title with your name on it
  • Have their representative inspect the vehicle at your convenience
  • Proof of income, which can include pay stubs, retirement, disability checks, or unemployment benefits


Required Information They Need

LoanCenter does an excellent job of turning around applications quickly. Users can expect to hear back about their approval within hours or days. If you get approval for a loan or refinancing, here are some of the pros and cons:


Pros Of Using Them

Many people use LoanCenter because it is fast and convenient. The company goes through applications quickly and will loan people up to $50,000 at a time. This swift lending process means individuals can borrow money quicker than they would from large banks or financial institutions.

Additionally, they offer more variety when it comes to financing options. Applicants can review offers based on baseline features or the lowest possible APR. LoanCenter even has a customizable chance where people can name their prices.

LoanCenter also covers financing for a range of vehicles. People can also borrow money to buy a car or use an existing car to make another purchase. This variety provides flexibility when it comes to borrowing.


Cons –  What to Lookout For

LoanCenter has limited availability on a nationwide scale. Potential borrowers can only benefit from the company’s services if they live in one of the eight eligible states, specifically in the existing metro area.

This restriction can make contacting representatives more challenging, especially for face-to-face meetings or car inspections. Additionally, there may be origination fees depending on where you live.


Available States and Locations They Work In

It’s hard to say whether they have added costs built into their loan process. While the company may or may not have them, some institutions charge application, late, and inspection fees. does say on its website that there is no penalty for completing your loan repayment early, as with some loan companies.

As mentioned above, LoanCenter operates in eight states. That includes 14 major metro areas, like Phoenix, Los Angeles, Kansas City, St. Louis, and Salt Lake City. Applicants do not have to live in these locations to qualify, just in the state. If you live outside their service area, we recommend you go through Max Cash, which serves 48 states nationwide.


Fees The Company Charges

They will work with you to set the terms and interest rates if you qualify for a loan. Because the company offers the convenience of fast and straightforward approval, the conditions are typically less favorable for the lender. That can mean an APR ranging from 17 to 30 percent.

Let’s say you qualify for their maximum amount, $50,000, to finance a home remodeling. Based on your finances and credit history, the company also assigns a 22.25 percent APR and a repayment length of two years.

Borrowers would pay $2,496.21 per month for two years. Once you complete the payments, the borrower will have repaid the original value plus interest, which equals $59,908.92. Therefore, you pay $9,908.92 to borrow money.

Again, the terms and rates for applicants vary based on their finances. For instance, loans made over a more extended period require lower monthly payments but cost more in the long term. This example also does not include any potential fees.


The Bottom Line

LoanCenter can be a viable source for title loans as well as refinancing title loans. Customers should be diligent because these loans are typically more expensive. Generally speaking, the company is better as a backup plan if you have poor credit and an excellent driving record.

Regardless of what direct lender you choose, shop around for quotes. Taking the time to negotiate different deals allows you to find terms that work best for your individual needs. It can also be a way to leverage lenders for better rates.

Be open-minded to other sources of financing, too. The most accessible option is to borrow from friends, family, or organizations in your social network. Other potential loan sources may include credit unions or small banks. If you are ready to get your loan today, apply to LoanCenter, as they are our #1 direct lender we recommend.





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  • Online Application
  • Same Day Funding
  • $100 - $50,000 Loans
  • No Prepayment Penalty


  • Only Works In 8 States
  • Only Offers Online Title Loans