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 5/22/23.
Speedy Cash is one of the country’s largest providers of auto title loans. They’ve been in business since 1997 and offer installment and payday loans in addition to secured loans. They fund loans in 12 states as long as the applicant has a clear pink slip and proof of income. You can apply online or in person at their 225 retail locations.
This company claims to offer title loans online in most states for up to $50,000. They have no credit checks and promise cash in hand within 24 hours once you’re approved for a specific loan amount. They have an easy application process that’s estimated to take anywhere from 10-20 minutes to be approved for an online title loan.
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 generally 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 cars, they can use any type of registered collateral for your loan.
First Choice Auto Title
First Choice Title Loans is another online lender that offers pink slip funding, payday, and installment loans. You’re able to keep driving your vehicle as you make monthly payments. Qualified borrowers in Georgia can expect a payoff of a few months to 3 years. Their finance amounts are wide-ranging as well. Borrowers can receive tens of thousands of dollars based on the vehicle’s value.
Better Auto Equity Loans
An online title loan lender that only operates in Delaware. They claim to be the #1 equity lending firm based in Delaware. They have a 24/7 online application process that should take 5-10 minutes. 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 monthly income of $850.
Texas Title Loans
This company online provides car title loans in Texas. Most qualified borrowers can expect a payoff time frame of 12 to 36 months. They claim you can have the cash wired straight to your bank. Loan amounts range from $2,500 to $25,000. You must verify income and employment history to qualify.
Fast Credit Financial
Fast Credit is another direct lender that offers car title loans to consumers who live in California. It seems their focus is on people who live in Southern California. Funding amounts start at $2,500 and will go much higher if you have enough equity. You’ll need at least $3,000 in equity to be approved for an equity or personal loan.
Car Title Loans 123 is a company that provides online funding 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 that has 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.
Loanmart is one of the largest direct lenders of online title loans in the United States. They work in most states and claim that online approval takes less than 10 minutes. You need to own a vehicle that’s paid off with the ability to make monthly payments in the future. Loanmart will also refinance your current loan. Depending on your state(They don’t offer cash in Connecticut, New York, New Jersey, Oklahoma, West Virginia, and Wyoming), they can fund a loan of $850 to $15,000.
As the name of their site says, SOS provides emergency car title loans for those with paid off or nearly paid off vehicles. They only offer equity financing to consumers in California. Their loan amounts will 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 well 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. They will let Arizona residents borrow anywhere from $2,500 to $25,000 as long as 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 handle motorcycle and boat and vehicle title loans. They have an application process that is all online and claim it takes no more than 30 minutes. TItleMax has retail locations throughout the South and Midwest that accept walk in applicants.
Ace Cash Express
Ace is a nationwide car title loan lender in business since 1968. They offer many types of installment loans and cash advances. 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 are made in pursuit to a lenders law license.
Advance America is a well-known retail and online title loan company. They take applications online or 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 company offering payday loans and cash advances. On top of those lending offers, they also provide a no inspection car title loan. It appears they offer funding in 15 states as of 2023.
They are an online-only company that funds online title loans in California and other West Coast states. They offer fast and easy loan amounts as low as $250. Some go up to $10,000, assuming enough equity on the pink slip. On their site, they state 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, mostly 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 $25,000.
CashMax has multiple lending locations in California, Oklahoma, and Texas with over 60 stores in these 3 states. Cashmax has an active promotion for title loans up to $15,000 where the fees on your first loan are free.
A1 Action Cash
A1 is a leading car title loan lender in Georgia with quotes of $5,000 and up. Contact them for more information, but It looks applicants will not need a credit check. Their site information says all credit scores are fine as long as you have proof of income with checking verification. A1 also funds RV and motorcycle title loans. Much like their pink slip loans, you’ll be able to keep using your RV and motorcycle throughout the life of the loan.
LoanStar Title Loans
Loanstar only funds car title loans online in Texas. With Loanstar, you can apply online or at any of their Texas locations in Houston or San Antonio. You’ll need a photo ID with proof of residency to receive low finance charges. Borrowers also need to show 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 $500 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.
Rapid specializes in Florida title loans. They have a fast internet application process and a phone application available. On their site, they promise same day approval and cash in hand. RaLoan provides loans with no store visit and an early payoff option with no pre-payment penalty. Rapid also has Spanish speaking reps available.
Check City is an online payday lender and credit card cash advance company. As of 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 with 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 require a visual inspection of your car before approval.
Fast Money Car Title Loans
Fast Money is a Los Angeles lender that offers same-day 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 $25,000. The amount lent comes from the quality and value of your vehicle. Work history and other expenses will also play into the amount lent. To qualify without a credit check, your car must be worth at least $5,000. 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 company based in California that provides auto title loans online and in store. They operate in around 11 states with minimum lending 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 an underwriting. They provide equity funding for vehicle’s, semi trucks, RV’s and motorcycles.
Payless Title Loans
This lender goes by the name of Payless Title Loans. They’ve been in the business of funding car title loans for a decade and they specialize in serving the Wisconsin area. To qualify for a guaranteed approval loan you will need to provide proof of residency, a clean vehicle title, and three personal references.
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 10 years ago. They claim that applicants won’t need a credit check and you don’t even 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 with no inspection in Kentucky, Ohio, Texas, Illinois, and California. They also offer boat and motorcycle title pawns in a few select states. Loan funding amounts will range from $200 to $8,000 and they have many ways to different amounts of money.
LendNation provides car title loans and unsecured payday loans in Missouri and some surrounding states. They may refer clients to affiliates in other states as well. They claim these are completely online loans, so you won’t need to take your vehicle to a retail office to get final approval for funding. To help with underwriting, all applicants will need a clean pink slip. 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 $22,000.
Title Cash Lending is one of the oldest title loan companies that operate in the South. They have hundreds of locations spread out over ten states, with dozens in Mississippi and Alabama alone. This company has a very low floor on how much they will lend. In some states, the smallest amount is $500. They will also consider financing vehicles that are ten years and older. You need a bank account and active employment to get the best loan terms.