Title Loans
Use your vehicle title as collateral for fast cash
Typical Range
$500 – $10,000
Typical Term
15 – 30 days (often renewable)
Best For
Borrowers with a vehicle who need larger short-term cash and cannot qualify for traditional loans.
About Title Loans
Title loans are secured short-term loans that use your vehicle title as collateral. Loan amounts depend on the vehicle's value, and you continue to drive the vehicle during the loan term.
Key Features
- Secured by vehicle title
- Loan amount based on vehicle value
- No credit check at many lenders
- Keep driving your vehicle
Pros
- Available with poor or no credit
- Larger amounts than payday loans
- Quick approval
Cons
- Very high APR (often 100–300%)
- Risk of vehicle repossession
- Banned or restricted in many states
- Renewals can spiral
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