Text Message Disclosures

We only send text messages to consumers who have opted into the Text Message Program. If you are receiving text messages from TitleMax® or an affiliate, at any time, you may withdraw your consent. The best way to communicate your opt-out choice to TitleMax is by replying “STOP” or “STOP ALL” to any text message you receive. You can also send an email with your request to optout@titlemax.com, call the TitleMax customer service line at 1-800-804-5368, or stop by a TitleMax store location.

IMPORTANT: if you change your cell phone number, you will need to inform TitleMax® of that change and agree to a new text message consent in order to continue to receive text messages from TitleMax®.


With Title: Must be at least 18 years of age (19 in Alabama). Account approval requires valid government-issued ID, a credit inquiry, a motor vehicle appraisal, and an ability to repay analysis in IL, MO, NV, certain TX locations, and UT. Certain other eligibility requirements and terms & conditions apply. Loan/Pawn amounts vary by states and product. See below for details.

Without Title: Must be at least 18 years of age (19 in Alabama). Account approval requires satisfaction of all eligibility requirements, including a credit inquiry, valid and verifiable bank account (dated within the last 45 days), proof of income (dated within the last 30 days), a voided check, proof of residency, valid government-issued ID and in AZ, valid AZ vehicle registration in your name. Without SSN or ITIN**Max loan amount is $300. Maximum loan amount for first time borrowers is $1,000.00 ($500.00 in AZ). Returning customers with a good payment history may qualify for higher loan amounts, currently up to $2,500.00 in most states. Loan amounts above $1,000 require two consecutive pay stubs showing direct deposit. Certain other terms and conditions may apply. Unsecured loan/LOC amounts and products not available in all stores and states.

Illinois Customers: Maximum loan amounts is $4,000 ($3,000 for motorcycles), inclusive of lien fee. Income documentation required. You are required to have reduced your original principal balance by 20% before refinancing.

Kansas Customers: TitleMax offers secured and unsecured Lines of Credit (“LOC”). LOC customers are subject to periodic review/validation of their account eligibility, including collateral or income verification. Certain other terms and conditions apply.

Mississippi Customers: Maximum loan amount $2,500. Refinancing not available for pledge. A second pledge is required to access additional funds.

Nevada Customers: Income documentation required. 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.

Tennessee Customers: 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 periodic account (and collateral, if applicable) review. Max loan amount is $6,500.00, assuming customer qualifies and accepts both the Pledge and LOC. Certain other terms and conditions apply. Refinance not available for pledge; A second pledge is required to access additional funds.

South Carolina Customers: Minimum loan amount for title-secured loans is $601. If your current outstanding account balance is $1,000 or less, to refinance or access available cash, you must have available and borrow 10% of the current balance and meet the loan minimum of $601.

Texas Customers: TitleMax acts as a Credit Services Organization/Credit Access Business to assist customers in obtaining a loan through an unaffiliated third-party lender. Please see store associate for details. Available Cash only offered in select stores. Income documentation required in some Texas locations. Please see Texas Schedule of All Fees.

Virginia Customers: TitleMax of Virginia, Inc., d/b/a TitleMax license #VTL-11 is licensed by the Virginia State Corporation Commission. Refinancing is not available in most Virginia store locations. AVAILABLE CASH: When/where available on certain products, customers may request any Available Cash via the TitleMax App or in store. Available Cash is the difference between your outstanding account balance and the amount qualified for at origination. Available Cash is funded by check or, if you are enrolled, via the Universe Silver™ Deposit Account with VISA® Debit Card and requires a new loan/pawn agreement, or for Line of Credit customers, a new draw.

$50 BONUS CASH TEXT OFFER: Offer open only to past TitleMax (or affiliate) customers who have received a $50 Bonus Cash Text Offer from TitleMax or affiliate. You will receive a check in the amount of Fifty Dollars ($50) when you open a new title-secured loan/pawn/line of credit account with TitleMax, borrow a minimum of $1,000.00, and show the $50 Bonus Cash Text Offer to store employee at account opening. Must be 18 years old (19 in Alabama). Must present valid government-issued ID. Loan amounts vary by state and product (see state specific details above). Offer is non-transferable. Limit ONE check per customer. Void where prohibited. Certain other terms and conditions apply. OFFER VALID ONLY FOR 7 DAYS AFTER RECEIPT OF PROMOTIONAL TEXT.

Visit your nearest TitleMax store for details.