Get a title loan and keep driving your car.

Use your car title to borrow money. Bad credit is OK with many lenders. Start online in about 2 minutes.

  • Keep your car
  • Bad credit OK
  • Money as soon as next business day, if approved
Step 1 of 3

Tell us about your car

Your information is securely encrypted with SSL.
Checking won't affect your credit scoreNo obligation to move forward
A smiling man holding his keys beside his car
Safe and secureYour info is encrypted
About 2 minutesShort, simple form
Real peopleCall if you'd rather talk
Free to checkNo cost, no obligation

A simple way to borrow using your car

Keep driving

You keep your car while you pay back the loan.

Bad credit OK

Many lenders look at your car's value, not just your score.

Quick to start

A short form online, or call and talk to a real person.

Payment plans

Lenders may offer payment options that fit your budget.

How much can I get with a title loan?

Short answer: most lenders offer about 25% to 50% of what your car is worth, minus what you still owe on it. Your income and your state's rules also play a part.

  • Lenders often use trade-in value, not the dealer priceThat's the lower number on Kelley Blue Book or Edmunds. Year, mileage and condition move it up or down.
  • Your income matters tooA higher car value sets the ceiling. Your income decides how much you can pay back, so it affects where you land.
  • Every state has its own rulesSome states cap title loan amounts or fees. Some don't allow title loans at all.

Title loan estimate

Move the sliders. It takes 10 seconds.

$8,000

Not sure? Look up the trade-in value on Kelley Blue Book or Edmunds.

$0 (paid off)
You may be able to borrow about
$2,000 to $4,000
Your equity: $8,000Typical offer range
Check my real offer

This is an estimate, not an offer. Lenders set the final amount after they look at your car, your income and your state's rules.

How do title loans work?

Short answer: you borrow using your car's title as security, and you keep driving your car. Here is how it goes, step by step.

  1. 1

    Tell us about you and your car

    Share your car's year, make, model and mileage, plus a little about you. No car photos needed to start.

    About 2 minutes
  2. 2

    Get matched with a title lender

    We connect you with a licensed title lender near you who may be able to help. They may call to go over your car's value.

    Free to use
  3. 3

    Finish up and keep driving

    If approved, the lender explains your rate and payments. Sign only if it works for you. Money may arrive as soon as the next business day.

    You keep your car

Often 25% to 50% of your car's value. Your income and your state also matter.

Amounts can range from a few hundred dollars to $10,000 or more.

Sometimes. If you owe less than the car is worth, some lenders may still help.

Tell us in the form and we'll look for options.

Some do, but most focus on your car's value and your income, not your score.

Yes. The lender holds your title, not your car. You keep driving it every day.

Some lenders may add a GPS device to the car.

Usually your car, a title in your name, a photo ID and proof of income.

Many lenders also ask for proof of insurance and proof of address.

You may. Lenders can count other steady income, like Social Security, disability or benefits.

Call your lender right away. Many will work with you on a plan.

If you stop paying, the lender could take your car. Only borrow what you can pay back.

Often yes. Many lenders have no fee for paying early. Ask before you sign.

A loan that uses your car title as security. You keep driving your car while you pay it back.

Title loan disclosures go here. Title loans are costly short-term credit. Some lenders may need a GPS device. Not available in all states. Owner: legal.

Check your title loan options

It takes about 2 minutes. No obligation.

Get startedCall (800) 555-0199

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