There is a BIG misconception that misleads consumers into thinking that they need to physically visit a local title loan store in order to get the money they need. This simply isn’t true. In fact, you can apply for car title loans completely online. By going this route, it will actually save you time, hassle, and money.

A lot of the corner retail stores that offer auto title loans are just mom and pop shops that set their own rates, charging up to 300% APR and many charge additional fees on top of that!

If they aren’t privately owned, their business model is to act as middlemen storefronts that end up turning to direct lenders anyway to get you the funds you are looking for. Ultimately, this ends up with you, the consumer, being responsible for the fees that these middlemen charge in order to make a profit. At a time when you may be already tight on cash, choosing the wrong company can turn into a scary situation fast.


Key Benefits of Online Title Loans

There are a number of key benefits to getting a car title loan online from a reputable company. For one, you’ll save money on interest by going through a direct online lender. Their rates are often lower than most lending companies out there because you’re receiving direct-to-consumer pricing. The companies we list below are direct lenders and have some of the lowest rates in the industry.

Secondly, and most importantly, you won’t need to waste your time waiting at an office while your loan gets processed. No store visits needed here! This can be done fast, from the comfort of your own home and without the need to take any time off work. All you need to do to get started is send the lender the required information simply via text or email (listed below) and sit back and wait while they process the information. This tends to happen quickly so make sure you have your phone nearby! After you’re approved, the company will send a notary to YOU for the vehicle inspection and final signing. From there, they will send the funds directly to your bank account or hand you a MoneyGram on the spot. It’s that simple and loans can be funded on the same day! So skip the lines and apply through our recommended list below.


Best Title Loan Companies Online

We’ve researched the best title loan companies online to help you secure your new loan and avoid predatory storefront lenders. These trusted lenders can fund you within 24 hours from the comfort of your own home or at your place of work.


Loan Center (Highly Recommend)

Loan Center is a direct lender that offers rates lower than most companies. They provide an online application for title loans and pre-approval is done over the phone. They also have store and partner locations and will let you keep your car during the duration of your loan. Depending on the state you live in, you can borrow up to $50,000 with loan terms up to 48 months, keeping your payment low. There is no pre-payment penalty with Loan Center so you can pay your loan off whenever you like. The amount you can borrow and your interest rate depends on your vehicle value and your ability to pay back the loan. Loan Center is highly recommended.

Note: Loan Center offers a refinance program and will buyout existing title loans.

Currently serving customers in: Arizona, California, Georgia, Idaho, Missouri, New Mexico, South Carolina, Utah.

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Finova Financial

Finova Financial is a new up and coming direct lender that we recommend with low rates. This company only offers auto title loans online, and because of that, borrowers can save up to 50% of the national average cost their loan amount. Having bad credit isn’t an issue, and no credit checks are required, but they do have stricter requirements that need to be met. Borrowers must have a minimum income of $800 a month and they only lend up to $5000 in most cases. Vehicles must be owned free and clear or they can choose a buyout from another lender if the amount owed is less than $3000. The repayment period for their loans is up to 24 months with no pre-payment penalty.

Finova Financial is currently serving customers in: Arizona, California, Florida, New Mexico, Oregon, South Carolina, and Tennessee.

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Check Into Cash

A well-known company that offers different types of loans including title loans online. The process for getting a title loan is simple using their instant online application form. The amount you can borrow will depend on the state you live in, your vehicle value, and your ability to the loan back. In some states, Check Into Cash can give you up to $25,000 and still offer competitive rates.

The company currently offers title loans and title pawns near you: Alabama, Arizona, California, Idaho, Illinois, Georgia, Kansas, Louisiana, Mississippi, Missouri, New Mexico, Tennessee, Texas, Virginia, and Wisconsin.

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Required Documents and Qualifications

To qualify for a title loan, you’ll need certain documents to meet their requirements. Each lender is different, but for the most part, they all require the same paperwork. Items that are typically asked for:

  1. Proof of Address
  2. Proof of Income
  3. Insurance
  4. The Title of the Vehicle
  5. VIN of the Vehicle
  6. Government Identification
  7. Vehicle Pictures

It’s important to note that different states have different loan amounts minimums and may require specific minimum vehicle values. Lower value vehicles may require established credit. In all cases, the borrower must be at least 18 years of age and own the vehicle outright or at least have plenty of equity in the vehicle. There cannot be a lien against the title and you can not be in bankruptcy. Vehicles should not be older than 10 years, but sometimes these companies can accept them if it is a higher valued vehicle.  As long as you pass these requirements and have the proper documentation, you should have no problem getting approved for an auto title loan online.


The Title Loan Process

Typically you will start the process by calling the company you choose or by filling out their application form online. Pre-approval happens over the phone and the required information are simply collected via text or email. After you are approved, the company will then send out a mobile notary to you that lives in your area. They will then look over the vehicle and complete the loan signing. Lenders can direct deposit funds into your checking account or overnight a check to you. The most popular method for same-day funding, however, is that they will give you a MoneyGram code so that you can pick up the cash at a local Walmart. The process can be completed in a day as long as you have all your paperwork ready to go.


What to Know Before You Borrow

Vehicle Title loans are considered high-interest loans and should be treated as a short-term solution to cover emergency or other short-term expenses. Once the loan is paid off in full, your car title will be handed back to you. You are using your automobile as collateral to secure the loan and if you default on the loan or do not renew the loan with the lender, your car can be repossessed. With that said, online title loans can be the right solution if you need quick cash to cover expenses. While there are downsides to online title loans, there are also a number of upsides. You are able to get the financing you need quickly to cover the unexpected cost and you are still able to drive your vehicle while the loan is being paid back. Auto title loans are not based on a credit score so having bad credit is okay. In fact, excellent payment history with the lender can actually help to IMPROVE your credit rating, because they report to credit bureaus monthly.


Things to Keep in Mind


Check mark in boxFast Approval

Let’s face it, no one likes to sit around an office to wait and see if they are approved or rejected. When you submit your loan application online or call to complete the application process over the phone, it usually takes only 10 minutes for your pre-approval!


Cash in handFunding in as Little as One Day

If you are short on cash and need funding quickly, waiting around for a loan is not an option. After you get your instant online pre-approval and send in the required information, you can have the funding you need the same day to cover those expenses fast.


Fico Credit Report Credit Checks

While some lenders have a no credit check policy, others do. The reason why some lenders might check your credit is to make sure you are not currently in foreclosure and to make sure you have never had a repossession through their company. Either way, unless you default, getting auto title loans will not negatively affect your credit score.


Outline of an automobile Inspections

Vehicle inspections are a necessary step in the process. The lending company needs to have a full understanding of the car’s worth and the condition of the car. All vehicles need to be in working condition. The process is done at your convenience, at your own home or place of work.


bank structure showing with a coinNo Bank Account Necessary

Not everyone uses a bank and that’s okay. These services can send funds directly to your checking or savings account. They can also overnight you a check or hand you a money gram. This is a significant benefit for those that do not use a bank but still need cash to cover their expenses.


Check list approval for inspectionsSafety

Some folks are concerned about the safety of using online title loan services and frankly, they should be. There are lots of scams out there that consumers need to be aware of. The companies that we recommend have been around for years and have helped thousands of people in their times of financial stress. We wouldn’t recommend a service we didn’t trust!



If you are strapped for cash and need help, there is a solution. We understand the difficult situation you are in and are here to help. It’s essential to know the risks that are involved when using your car title as collateral, but as long as you make your payments on time and pay off the loan in full, you will not lose your vehicle. Like payday loans, title loans are for short-term solutions, so make sure to take advantage of the no pre-payment penalties and pay your loan off as soon as possible. This will help you to avoid additional interest payments and keep your overall interest rate low, which will save you over the long run. Keep in mind that not all lenders are the same and some will charge you much higher interest rates than other companies. Use our recommended list of online title loan companies to avoid predatory lenders and use online title loans responsibly. If you do, you’ll be well on your way to solving your current money issue and will be back on your feet in no time.