What exactly is a title loan?

Don’t feel silly asking! Many people are new to the concept of title loans or title pawns. A title loan (or title pawn, if you live in Georgia), is an alternative method to obtaining quick cash. And, by “alternative”, we mean you wouldn’t have your credit scored evaluated by a bank or other financial institution to determine the amount of money you may borrow. At TitleMax®, the amount of money you may borrow is determined by other factors. Instead of reviewing an individual’s credit history, we evaluate the value of your vehicle, along with other required documentation in order to move forward with the process. TitleMax® could loan you cash in as little as 30 minutes and will provide outstanding customer service, as well. We are proud to say that we are now in 16 states (and growing!) with more than 1,000 store locations. Our team members welcome the opportunity to answer any title loan or title pawn questions you may have; so please, do not hesitate to let us know your inquiries.

Some of the reasons we provide service to more than 3,000 individuals daily include the following:

(1)  We offer some of the lowest rates in the title lending industry

(2)  You can expect fast and friendly service

(3)  Our stores are located throughout 16 states and we’re not stopping there

(4)  Insurance is NOT a requirement when getting a car title loan from TitleMax

(5)  Our customers can continue driving their vehicles!

So, if you find that you are need of fast cash and don’t have time to kill on the traditional, time-consuming method, consider TitleMax®! We will help you!

There are just three items you need to obtain a car title loan:

  1. A vehicle registered in the applicant’s name
  2. A clear, or lien-free, car title
  3. A government-issued ID

Bring in these three items and you could be quickly approved for a car title loan! The cash becomes YOURS so do whatever you want to do with it. When it’s time to pay us back, we’ll help you figure out a good payback plan so nothing surprises you.

We now have more than 1,000 locations across the country. To find a location near you, visit  www.titlemax.com/store-locator and enter your zip code.

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1 Title-Secured Loans, Secured LOCs and Title Pawns: Maximum pledge amount in Mississippi is $2,500. Maximum loan amount in Tennessee is $6,500, assuming customer qualifies for and accepts both the pledge max of $2,500 and Secured LOC max of $4,000. Refinancing is not available for Mississippi or Tennessee Pledge products. Minimum loan amount for title-secured loans in South Carolina is $601.

Must be at least 18 years of age (19 in Alabama). Account approval requires satisfaction of all eligibility requirements, including a credit inquiry and motor vehicle appraisal. Must present valid government issued ID. Certain other eligibility requirements and terms & conditions apply. Loan/LOC/Pawn amounts vary by states and product. LOC customers are subject to a periodic collateral review to maintain credit limit. Proof of income documentation and ability to repay analysis is required in Missouri, Nevada, some Texas locations, and Utah.

2 Personal Unsecured Loans/LOCs: Unsecured loan amounts and products not available in all stores/states. Max loan amount for first time borrowers is $1,000 ($500 for an in-store personal loan in AZ). Returning customers with a good payment history may qualify for higher loan amounts, currently up to $2,500. Loans above $1,000 ($500 for an in-store personal loan in AZ) require two consecutive pay stubs showing direct deposit. In-Store: Account approval requires satisfaction of all eligibility requirements, including a credit inquiry. Bring in proof of income (dated within the last 30 days), active bank account details (dated within the last 45 days), proof of residency, a voided check, and a valid government-issued ID to apply. In AZ, a valid AZ motor vehicle registration in your name is also required. Min $601 in SC. Without SSN or ITIN, max loan amount is $300. Online: If you do not have an SSN or ITIN, please visit us in store to apply. Additional items required for eligibility, including: a valid and active email address and telephone number, a valid SSN, and proof of residency for the state in which you are applying (currently AZ, DE, KS, MO, MS, SC, TN, TX, UT or WI). Min $610 in SC. Certain other terms and conditions may apply.

– California, Illinois and Virginia Residents: TitleMax® no longer originates new loans in CA, IL or VA, but continues to service existing loans.

– Please see our California Resident Notice at Collection and Privacy Policy: Submit a Verified Consumer Request to understand what information we collect, disclose, or sell, to request that we delete your information, and/or opt out of selling by clicking Do Not Sell My Personal Information.

– In Georgia, TitleMax offers Title Pawns.

– New Mexico Consumers: please see important New Mexico Consumer Information and Disclosures.

– In Nevada, title loans should be used for short-term financial needs only and not as a long-term financial solution. Customers with credit difficulties should seek credit counseling before entering into any title loan transaction. Ability to repay analysis with income documentation required.

– In Tennessee, TitleMax offers title pledges, and secured and unsecured Lines of Credit (“LOC”). Only one LOC account allowed per customer, inclusive of other lenders. LOC customers are subject to a periodic income (and collateral, if applicable) review/validation.

– TitleMax of Texas, Inc. and TitleMax Online of Texas, Inc., d/b/a TitleMax acts as Credit Services Organizations to assist customers in obtaining a loan through an unaffiliated third-party lender. Please see store associate for details. Please see Texas Schedule of All Fees. TitleMax does not offer pawn loans or pawn transactions in Texas.

– TitleMax®, TitleBucks®, and InstaLoan®, are not considered competitors. Please see a store associate for details.

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