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 a title loan. 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 from the comfort of your own home.

A lot of the corner retail stores that offer car title loans are 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 title loan direct lenders anyway to get you the funds you are looking for. Ultimately, the consumer, is 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 online title loan company can be devastating.


Best Online Car Title Loan Companies To Work With In 2020

We’ve researched the best title loan companies online for you to help you secure the title loan you need and avoid predatory lenders along the way. These trusted companies can fund you a title loan within 24 hours from the comfort of your own home or at your work. This can take place as long as you provide them with the necessary loan documents in a timely manner.


Max Cash Title Loans(Highly Recommend)

Max Cash A third party title loan company that has helped over 500,000 individuals and families in the United States find a title loan—and counting! Rated as the top title loan processor by Consumer Affairs and work with a number of reliable direct lenders nationwide. They also have access to over 1,500+ store locations, so you are sure to find a location near you. They service 45 states, have an excellent reputation for customer satisfaction, and best of all, their online title loan services are FREE!

It’s easy to see why Max Cash is our #1 recommended title loan company.

They are open 7 days a week and have extended hours from 6am – 9pm, so typically you are able to get the funds you need the same day or within 1 business day. Car title loan minimums and maximums vary by state but range from $100 to $50,000 depending on many factors. Factors such as the equity in your vehicle and your ability to pay back the title loan. Bad credit? Not a problem. They work with more title loan lenders than anyone else in the US, so you’ll have multiple options to choose from.

By comparing your online title loan options, they can help you get the lowest possible interest rate and loan terms that work for best you. You can get started by calling 1-887-544-0190 or apply online below.

Note: Offers refinancing programs on existing car title loans. Provides services in ALL STATES EXCEPT: Hawaii, Montana, Nebraska, New York, and West Virginia.

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LoanCenter (Highly Recommend)

LoanCenter is a direct lender that offers loan interest rates lower than most companies and is one of the best financial institutions you can go through. Their headquarters are in Los Angeles but they are able to serve customers within 8 states which are listed below. They provide multiple products and services including auto title loans online, pink slip loans, and auto financing loans. They offer an online application form for title loans and pre-approval is done over the phone. They also have title loan stores and partner locations in different areas for quick easy and access. This company will also 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 title loan terms up to 48 months, keeping your monthly payments low. There is no pre-payment penalty with LoanCenter so you can pay your car title loan off whenever you like. The amount you can borrow and interest rate depends on your vehicle value and your ability to repay the loan. LoanCenter is highly recommended.

Note: LoanCenter offers a refinance program and will buyout existing car title loans. Currently ONLY serving customers in: Arizona, California, Georgia, Idaho, Missouri, New Mexico, South Carolina, Utah.

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Check Into Cash

Check Into Cash is a well-known company that offers different types of lending products and services including car title loans online. The application process online for getting a car title loan is simple using their instant online application form. The amount you can borrow will depend on a few factors. This includes the state you live in, your vehicle value, and your ability to pay 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 car title loans online 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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How Do Online Title Loans Work?

Car title loans online are a way to borrow money using your car title as collateral to secure the loan you need while allowing you to still use your vehicle. It’s the same as a store visit but from the comfort of your own home. The difference is you supply the loan company with the required documents they need via text or through email. At this point, the company will send a mobile notary to you for the final document signing.


The Online Title Loan Process

Typically you will start the online title loan process through their website filling out a form. Pre-approval for title loans happens over the phone when and the required information is simply collected via text or email. After you get 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 process by signing a contract.

Lenders can direct deposit funds into your checking account or overnight a check to you. The most popular method for same-day funding is them giving you a MoneyGram code. With this, you can take it to any place that accepts them like your local Walmart. The process can be completed in a day as long as you have all your paperwork ready to go.


What is Needed For a Title Loan – Required Documents and Qualifications

To qualify for a car 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 maximum loan amounts minimums and may require specific minimum vehicle values. Lower value vehicles may require established credit even if it’s a small loan. 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 vehicle 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.


Other 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. You need to submit your loan application online or call to complete the loan application process over the phone. Once this is done, usually, you’ll instantly know if you are pre-approved!


Cash in handFunding in as Little as One Day

If you need quick cash, waiting around for a loan company is not an option. You’ve already submitted your information and gone through the online pre approval process. Now send in the required information and you can have the funding you need within the same day.


Fico Credit ReportCredit Checks

Some title lenders have a no credit check policy but others do. The reason why some lenders might check your credit is to make sure you are not currently in foreclosure. They also check to make sure you have never had a repossession with their company.


Outline of an automobileInspections

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 direct deposit into your checking or savings account. They can also overnight a check or give you a MoneyGram that you can cash that day to cover expenses. 


Frequently Ask Questions Section


How much can you get for a car title loan online?

This is a common question we hear often. Normally with vehicle title loans online, you can get approved between 25% to 60% of the value of your car. The average loan amount varies between small loan amounts of $100 up to larger loan amounts to $10,000. Depending on your vehicle model, title loans online can be as high as $50,000.


Can you still drive your car?

Yes, 100% of the lenders we recommend will allow you to drive your vehicle during the repayment period. During the duration of the loan, the title loan company will retain your vehicle’s title until the loan agreement is repaid.


Can you get car title loans completely online with no store visit?

Correct, you no longer need a store visit to get title loans. You can now get a car title loan completely online. The application and loan process can be done online or on your mobile phone. You’ll be able to receive your cash quickly through direct deposit or receive a MoneyGram.


Can I get a car title loan without my title?

In most cases no, but there are some instances where you can. Most lenders will request that you apply online or at the Secretary of State for a duplicate title. It’s best to call and ask as each case can be unique.