Direct Online Car Title Loan Companies

These companies offer online title loans to qualified borrowers. View each company’s rates, terms, and payoff amount to find the best direct lender for your financial situation – Updated 3/18/24.

Speedy Cash

Speedy Cash is one of the largest direct title loan companies. They’ve been in business since 1997 and offer installment, payday, and secured loans. They fund loans in 14 states as long as the applicant has a clear pink slip and proof of income. You can apply online or in person at their 210 retail locations.
Payday Auto Pawn operates differently than traditional auto equity lenders. Instead of taking your car title as collateral, they take your vehicle. Using this method, you can get a higher percentage of your car as a loan, and your interest rates will be much lower than with a car title loan. In addition to vehicles, they can use any registered collateral for your loan.

First Choice Title Pawn

First Choice Title Pawn is another online lender that offers direct title pawns. Qualified borrowers in Georgia can expect a payoff of a few months to 3 years. Borrowers can receive tens of thousands of dollars based on the vehicle’s value.

Better Auto Equity Loans

Better Auto Equity Loans is an online title loan lender that only operates in Delaware. It claims to be the #1 equity lending firm based in Delaware. Better Auto Equity Loans offers online title loans of 3 – 16 months. To qualify, you’ll need a paid-off vehicle, a checking account, and a monthly income of $850.

Texas Title Loans

This company provides car title loans online in Texas. Most qualified borrowers can expect a 12- to 36-month payoff. They claim you can have the cash wired straight to your bank. Loan amounts range from $2,500 to $25,000. You must verify your income and employment history to qualify.


Car Title Loans 123 is a company that provides online title loans in approximately 21 states. Applicants can apply online or over the phone, and they have walk in offices in Texas and California. To qualify, you need a lien free vehicle with at least $1,500 in equity. Most loans will require some form of inspection. Even with that, you can often complete the underwriting process in less than an hour.

S.O.S. Lending

As the name of their site says, SOS provides emergency car title loans for those with paid-off vehicles. They only offer equity financing to California consumers. Loan amounts range from $2,500 to $15,000, and you can expect an average APR of about 70%.

North American Title Loans

North American Title Loans is a direct lender operating in South Carolina for over 20 years. Over the past few years, they’ve also expanded to offer funds in Utah, Missouri, Texas, Arizona, and Utah. They’re currently offering title loans completely online. Based on their site information, they’ll give you up to 60% of your vehicle’s value.

Sunshine Title Lending

This company is based in Orlando, FL, and they’ve been providing title loan lending services throughout Florida, Georgia, And Tennessee for about two years. You can apply directly online and complete the vehicle inspection in person at any of their local places near you. They claim to offer a 1 hour underwriting process for all online applications, and you can borrow between 40 and 65% of the car’s current resale value in FL.

Phoenix Title Loans

Phoenix Title Loans is a direct lender that only offers loans in Arizona. Residents borrow anywhere from $2,500 to $25,000 if they have enough vehicle equity. Your car will generally need equity of at least $3,000 and a checking account to gain approval for their loans.


TitleMax is one of the biggest financial institutions that handles motorcycle, boat, and vehicle title loans. They have an application process that is all online and takes no more than 30 minutes. TitleMax has retail locations throughout the South and Midwest that accept walk in applicants.

Ace Cash Express

Ace has been a nationwide car title loan lender since 1968. They offer many types of installment loans and cash advances. They are currently offering collateral loans throughout the country. With their direct loans, you can borrow up to $2,500, and your loan will come due in 30 days. Loan amounts in CA are made in pursuit to a California lender’s law license.

Advance America

Advance America is a well-known retail and online title loan company. They accept applications online or at any of their 1000+ retail lending locations. Advance may send your loan to an unaffiliated third party lender in certain states.


CheckintoCash is a nationwide lender offering payday loans and cash advances. They also provide a no inspection car title loan online. They offer funding in 16 states as of 2024.


They are a direct lender that funds online title loans in California and other West Coast states. They offer fast and manageable loan amounts as low as $300. Some loan amounts exceed $15,000, assuming enough equity on the pink slip. Their site states you can have money in hand in less than 15 minutes, and the underwriting process won’t require a credit report.

Auto Money Title Loans

They’ve been funding title loans for over a decade. Auto Money offers same day financing throughout the South, mainly in South Carolina and Florida. They claim they can complete the underwriting for your loan in 1 hour or less. Auto Money offers no credit check title loans of up to $20,000.


CashMax has multiple lending locations in California and Texas, with over 60 stores in these three states. Cashmax has an active promotion for title loans up to $15,000, where the fees on your first loan are free.

LoanStar Title Loans

Loanstar only funds car title loans online in Texas. You can apply online or at any of their locations in Houston or San Antonio. To receive low finance charges, you’ll need a photo ID with proof of residency. Borrowers also need to show that the vehicle is free of any liens.


Carbucks provides vehicle title loans and focuses on the East Coast. They have store locations in many East Coast states and promise no credit check equity financing of $2,000 up to $50,000. Each state has specific restrictions on fees and unsecured loan amounts. Check their fees page before you apply for a title loan online.

Check City

Check City is an online payday lender and credit card cash advance company. In the past few years, though, they have started funding title loans in Utah and Nevada. They may have your loan serviced by an unaffiliated third-party lender in Texas and California.

Florida Title Loans

Florida Title Loans has a 15-minute pre-approval process and same-day cash available for most vehicle title loans. This company requires a free and clear title with a valid bank account. They will also need a visual inspection of your car before approval.

Fast Money Car Title Loans

Fast Money is a Los Angeles lender offering online title loans in Southern California. They claim to have the lowest interest rates in the state when it comes to obtaining same day cash. Also, if you get a better rate with lower finance charges, they will beat it. The online application process takes about 20 minutes, and they lend anywhere from $2,500 to $20,000. Your car must be worth at least $5,000 to qualify without a credit check. You will need to hand over the pink slip as collateral upon approval. Your credit history won’t factor in a lending decision.
Hyperlend is another California-based company that provides auto title loans online and in-store. They operate in around 11 states and have a minimum loan amount of $1,000. The process to get approved online can be done 24 hours a day, and per their website, it only takes 30 minutes to complete the application and underwriting. They provide equity funding for vehicles, semi trucks, RVs, and motorcycles.

Payless Title Loans

This lender, Payless Title Loans, has been in the business of funding car title loans for a decade and specializes in serving the Wisconsin area. You must provide proof of residency, a clean vehicle title, and three personal references to qualify for a guaranteed approval loan.

Always Money Finance

Always Money has over 50 brick-and-mortar car title loan locations throughout the country. They lend in a few Southeast states and started funding auto pawns in Alabama about ten years ago. They claim that applicants won’t need a credit check, and you don’t need to show insurance for approval. Always Money claims to have no hidden fees and credit score requirements. Borrowers won’t have a prepayment penalty if they pay the car title loan early.

The Net Lender

The Net Lender provides title loans without inspection in Kentucky, Ohio, Texas, Illinois, and California. They also offer boat and motorcycle title pawns in a few select states. Loan amounts range from $500 to $8,000, and they offer title loans with direct deposit in one business day.


LendNation provides car title loans and lines of credit in Missouri and some surrounding states. They offer entirely online direct title loans, so you won’t need to take your vehicle to a retail office to get final approval for funding. All applicants need a clean pink slip to qualify. Loan amounts start at $150 and go up to $1,500.


CashNetUsa is a large multi-state direct lender that provides payday and online title loans with in person funding. They’ve been in business for decades with branches throughout the country. Loan amounts will range from $2,600 up to $20,000.

Title Cash

Title Cash Lending is one of the oldest title loan companies in the South. They have hundreds of locations across ten states, with dozens in Mississippi and Alabama alone. Loan amounts go to $20,000 and in some states, the smallest amount is $500. You need a bank account and active employment to get the best loan terms.

Compare The Top Online Lenders With Car Title Loans Today!