Knoxville, TN – Top-Rated Title Loan Companies in 2024

The economic crisis from the global pandemic has put a lot of pressure on people’s finances. Many turn to a car title loan as one of the fastest and easiest ways to get money quickly to deal with an unexpected expense.

Knoxville is a small city in Tennessee with a population of 187,603. While residents enjoy living costs lower than the US average, some have difficulty dealing with housing, transportation, and utility costs when emergencies happen. People need quick cash to cover the costs, whether a sudden medical expense, wedding, funeral, or divorce.

Car title loans allow you to use your vehicle as collateral to secure a line of credit. Here are some of the best lenders in Knoxville to turn to when you want to get that short-term loan.


Best Car Title Loans in Knoxville, TN


Not all title loan companies in Tennessee are reliable. Some can take advantage of your situation and charge high-interest rates and additional fees, so it pays to know which lenders hold a good reputation. Below is a list of Tennessee’s top-rated title loan businesses with the highest approval rates and acceptable terms.


1. Max Cash Title Loans

Max Cash Title Loans is one of the fastest-growing companies due to easy transactions, high-quality services, and impeccable work ethic. Whether it is your first or tenth time lending money from Max Cash, the company will introduce you to specially trained agents who can help you get the cash faster.

Potential customers don’t have to be officially employed to qualify for a loan. Unlike other companies, Max Cash Title Loans helps people from various financial backgrounds and with different credit histories get loan approval, which is why choosing them would be an intelligent decision. For clients looking for extra help, they offer a unique VIP program available 24/7.

Before You Apply

  • Bet a citizen or permanent US resident
  • Provide proof of income
  • Provide valid government-issued ID
  • Minimum loan of $1,000
  • Maximum loan of $50,000

Best Features

  • Bankruptcy and bad credit aren’t a problem
  • Your vehicle stays with you
  • Competitive rates
  • Quick access to payday loans


2. Loan Mart

Loan Mart is one of the most respected companies in Tennessee that deals with secured loans. The business’s mission is to help customers get the loans they need through a hassle-free and convenient process. Loan Mart ensures transparent and straightforward terms.

Borrowers can apply online or in person and get their funds in as little as 24 hours. A team of experts will evaluate your vehicle’s type, age, and condition to determine the amount. Once it is approved, customers have up to five years to repay the credit.

Before You Apply

  • Provide valid vehicle insurance
  • Have a steady source of income
  • Provide proof of residence
  • No credit score limit
  • Loans up to $50,000

Best Features

  • Easy approval process
  • Competitive terms
  • Flexible monthly payments
  • Fast funding (the same business day)


3. Loan Center

Loan Center is the third option for people from Knoxville, Kingston Pike, and the surrounding areas to get short-term loans at reasonable terms to cover an emergency expense. As a direct lender, Loan Center has more branch locations, including Utah, Nevada, and California. As a result, the interest rates may vary from state to state, and repayment terms may extend according to the regularity of the paydays.

Borrowers can pay off the loans in full without additional fees or penalties. You can submit your application over the phone, online, or in person at one of the Loan Center’s locations. Pre-approval of title loans takes 30 minutes.

Before You Apply

  • Must be a US resident, over 18 years
  • Provide state-issued ID
  • Bank account (if using direct deposit)
  • Five references
  • Loans up to $25,000

Best Features

  • Excellent customer service, client support, and education
  • Extended repayment terms
  • Free credit reports
  • No pre-payment penalties
  • Same-day funding


How To Get An Auto Title Loan in Knoxville

If you’ve never applied for a short-term car title loan in Knoxville, it pays to know the general rules and requirements for how to obtain one. Getting funds to pay off your bills or cover a bigger expense such as renovation, medical emergency, or wedding is easy as long as you provide:

  • Valid driver’s license
  • Proof of owning the vehicle
  • Clear vehicle title
  • An address that matches your driver’s license
  • A steady monthly income

Due to its idyllic location, it should not be surprising that Knoxville is a great place to live and work. However, the housing costs in the area have continued to increase in the last years, making it difficult for families to cope with an emergency such as managing debt or paying utility bills. So, a car title loan or fast auto loan can easily cover the costs if you own a vehicle.

Apply Online

Most car title lenders in Knoxville, Tennessee, have a website where potential customers can apply for funds any day of the week. According to these websites, filling out an application with your details for pre-approval takes a few minutes. Then, the company will analyze your documents and inform you of the approved loan based on the vehicle’s condition. Once you sign an agreement, the lender will deposit the cash within 24 hours.

Apply In-Person

In-person, you can also apply for a title loan in Knoxville, Tennessee. The process is similar; you must visit the closest office location and bring all the necessary documents. Each title loan company has different terms and interest rates, so collaborate with one that fits your financial needs. Call before visiting the local business office.


Best Local Car Title Loan Companies in Knoxville, TX

For anyone looking to use the vehicle as collateral for a loan, below is a list of companies around Tennessee that may help you. Before visiting any of these lenders, obtain all the necessary documents. Also, don’t forget to schedule an appointment with a representative to guide you throughout the application process.


Advance America

4564 Chapman Hwy. Knoxville, TN 37920

(865) 573-3010

Advance America

4419 Western Ave Ste 104 105, Knoxville, TN 37921

(865) 544-4139

AA Pawn & Title Loans

1824 E Magnolia Ave, Knoxville, TN 37914

(865) 409-4777

Advance Financial

2823 N Broadway, Knoxville, TN 37917

(865) 856-1583

Check Into Cash

2201 N Broadway, Knoxville, TN 37917

(865) 523-9323

Easy Money

3106 N Broadway, Knoxville, TN 37917

(865) 622-5934

Speedy Cash

4403 Chapman Hwy, Knoxville, TN 37920

(865) 577-8656

Tennessee Title Loans, Inc.

4903 Clinton Hwy, Knoxville, TN 37912

(865) 687-4448


Frequently Asked Questions

Can I apply for title loans online?

You can use the company’s website to apply for a title loan in Tennessee. This secured title loan uses your vehicle as collateral and allows you to obtain funds regardless of your FICO score. The lender can process the application in 30 minutes or less and inform you of the maximum credit you can take for your vehicle (car, truck, or motorcycle).

Once the loan is approved, the company will deposit the payment within one business day. Lenders will charge interest only for the days you have the loan.


How much cash can you get from a title loan?

Each borrower’s situation is different. The amount that a car loan lender can approve depends on your vehicle type, credit score, and revenue source. Usually, you can take 25-50% of the vehicle’s value. The average loan amount varies between $1,000 and $30,000, but some lenders allow you to borrow up to $50,000.

Once you are approved for loans in Tennessee, you will hand over the title to your car. You may continue driving your vehicle.


How long does it take to get a title loan?

Reliable title loan companies in Tennessee make the lending process quick and straightforward. Getting the money you need can take as little as 30 minutes. If you are a repeat customer, it may take less than 10 minutes.

Submit the required documents when you call to apply or visit the business in person. The lender will ask for your personal information (address, phone number, bank statement, credit history) to review your situation and determine the loan amount.


Is it hard to get a title loan?

Getting a car title loan is easy if you collaborate with a reliable lender. Most companies make it easy to apply and even easier to receive your money. For example, Max Cash Title Loans, Loan Mart, and Loan Center do same-day funding when you call to apply for a car loan or submit an application through their websites.

If the lender refuses your title loan, that doesn’t bar you from submitting again. By taking these steps, you can turn the denial into an approval:

  • Review your loan paperwork
  • Submit all personal and vehicle information
  • Call to talk to a loan agent to help you in the process

There are many benefits to obtaining a car title credit through reliable lenders rather than traditional credit. If you live in Tennessee and want to use your car as collateral to secure funds, call the highest-rated lenders to get more information about their service.