How Car Title Loans Work

Get started on your car title loan by following these 3 steps:

1. Give us a call at 855-303-CASH (2274) or fill out our quick online application form. Once you give us a call or apply online, our loan officer will be in touch with you and answer any questions you may have about the process. You can get approved for your loan in less than 15 minutes!

2. Turn in some important documents. You will need your car title (or your pink slip), your ID, proof of income, proof of residency, as well as your vehicle registration and insurance. The quicker you are able to turn in your papers, the faster you’ll be able to get your money!

3. Get your money! Once we receive your paperwork, you’ll be able to access your loan instantly! Your loan can be wired to your bank account or it can be accessed through MoneyGram, which is available in retailers nationwide.

Title Loans Express is here to help you get fast and easy car title loans! If you have any questions about our loan process, feel free to read through our frequently asked questions listed below. If you don’t see your question listed, give us a call today at  855-303-CASH (2274) and our loan officers will be able to walk you through the process and address any concerns you may have!

• How do car title loans work?

  Title Loans Express is here to provide convenient, fast, and easy car title loans for those in need of cash right now. So how does a car title loan work? If you’re the owner of a vehicle and you have the title to your car, you are able to get a car title loan with Title Loans Express! We aim to make the loan process as simple as possible for our customers. Here’s how you get started:

  First, give us a call or apply online and you can find out right away how much your car qualifies for. Our loan officers can even give you a quick quote of your loan estimate, and you’ll find out in less than 15 minutes whether or not your loan application is approved.
  After your application is accepted, we will need a few important documents from you. This includes a copy of your car title, your driver’s license or ID, your registration and insurance papers, and proof of income of at least $1500 a month.
  After you turn in your documents, you’ll be able to get your money right away! We’ll wire your loan to your bank account, or you can access your cash through check or through MoneyGram, which is available in many stores near you.

• How much can you get with a car title loan?

  Your loan amount will depend on the equity value of your vehicle. If your car carries enough value, you can get up to the value of your vehicle. For example, if your car's resale market value is $10,000, then you can qualify for a loan up to $10,000. Some of our customers have qualified for $40,000 on their loan. To get a proper loan estimate, call us today and our loan officers will be able to give you a quote for your loan immediately.

• Can I get a car title loan with a motorcycle?

  Yes, motorcycles can be used to qualify for a car title loan. Give us a call today to find out how much your vehicle can get you.

• Can I get a car title loan with an older car?

  Your eligibility depends on your car’s equity value. If your vehicle is a classic vintage car and kept in good condition, we will be able to give you a loan based on the equity value of the car. If your vehicle is at least 1996 or newer, we will be able to give you a loan based on the resale value of your car. Title Loans Express is able to provide you with a title loan if you are the owner of a vehicle that carries enough equity.

• Can I get a car title loan with no job?

  Yes, it is still possible to qualify for a car title loan without a job. As long as you have some sort of verifiable income coming in---for example: social security, or disability-- Title Loans Express can make it work. We’re a lender offering as much flexibility as possible to our borrowers, and we understand that when hard times hit, you need a little bit of room to breathe. So don’t get discouraged, give us a call today and we’ll do what we can to get you your loan!

• Can you have more than one car title loan?

  Each state has varying laws concerning car title loans, so whether or not you can have more than one title loan on your vehicle will depend on your state laws. For this reason, we will be able to provide a second loan on a case-by-case basis. If you are looking for a second car title loan, give us a call and Title Loans Express can help you in your circumstances. We can accommodate your situation and even help you refinance your title loan by giving you a much lower interest rate from your initial car title loan. Give us a call today and see what Title Loans Express can offer you!

• Do car title loans affect credit?

  Unlike the bank, we are able to offer loans to you regardless of your credit score. The great thing about our car title loans is that when you make your payments to pay off your loan, you will be able to build up your credit for good standing. We report your timely payments to the three large credit bureaus so your credit score could improve over time. However, if you are unable to continue payments and end up defaulting on your car title loan, your credit report may be affected negatively.

• Can I get a car title loan if I have bad credit?

  Yes, even if you have bad credit or no credit, it is still possible to get a car title loans with Title Loans Express. Bad credit in no way disqualifies you from a car title loan. This is because the loan is not based on your credit score. The only thing you will need in order to qualify for a car title loans is a qualifying vehicle.

• How do you qualify for a car title loan?

  To qualify for a car title loan with Title Loans Express, you will need the following:

  You must be the sole owner of your vehicle
  The car title must be under your name
  Proof of vehicle registration and insurance
  Proof of income of at least $1500 a month
  Your vehicle must carry enough equity value