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IN-STORE PERSONAL LOANS & TITLE LOANS

What is a title loan? (also known as a title pawn in some states)

A title loan (or title pawn in some states) is a quick and convenient way for people who own their car or motorcycle to get cash. Getting a title loan or title pawn is simple. As long as you own your car or motorcycle and have its lien-free title, you can use it as collateral to get the cash you need from TitleMax®. We have thousands of locations from coast to coast where you can get a title loan!

Find out how to get a loan now!

What is a personal loan?

Personal loans and lines of credit are an unsecured loan that are repaid over time. With TitleMax, personal loans or lines of credit are solutions for people who are unable to obtain loans from traditional banks. Personal loans and lines of credit are options for individuals who don’t qualify for title loans or do not want to use their titles as collateral. More about personal loans.

Where can I get a loan?

There are plenty of lenders out there, but before you decide where you should get a loan, you must ask yourself “What type of loan is best for me?”. That can be answered by figuring out how much you need and how much time you will need to pay it back. Once determined, you’ll be better equipped to decide what type of loan you want and which lender has the best option for that loan. At TitleMax, we have over 1000 convenient locations. Find your local TitleMax store, or in some states, you can apply for a loan, get a quick decision, and get your funds entirely online.

Learn more about where you can get a loan!

Aren't title loan interest rates considered high?

Not with TitleMax. While some title lenders do charge high interest rates, TitleMax charges very competitive interest rates, and will develop a personalized payment plan that’s manageable for your lifestyle.

How do I make money with my car title?

With traditional bank loans, your credit history serves as your collateral and determines how much money you can get from a loan. But it’s incredibly easy to have bad credit, or even no credit at all. At TitleMax, we use the title to your car as your collateral in most states, rather than your credit history. So, when you give us your car title, we give you cash. For auto title loan or pawn services, a vehicle and the vehicle’s title are required to be approved for a loan/pawn. Then, once you repay the loan/pawn, you get your car title back. A car title loan is a simple way to get the cash you need, but there are plenty other ways to make money, too.

What is a lien-free car title?

A lien-free car title means that you own your car outright, with no outstanding loans or judgments against it. You need to have a lien-free car title to get a title loan from TitleMax.

How much cash can I get with a TitleMax Title Loan?

You can get up to $10,000!* The loan amount you can get is based upon what is offered in your state, your need, and the value of your vehicle appraisal. Read “How Much Cash Can I Get A Loan For?” to learn more information.

How much cash can I get with a Titlemax Personal Loan?

You can get up to $2,500* in most states! Read “How Much Cash Can I Get A Loan For?” to learn more information.

Can a loan help me with bankruptcy & foreclosure?

Bankruptcy and foreclosure are severe and daunting financial events and can affect you for a long time. A car title loan, motorcycle title loan, or personal loan can potentially help you avoid these events or hold you over until you can gather the funds to work your way out of debt. The following articles will provide more information on bankruptcy and foreclosures, as well as tips, details, and options to help you make the best decision for your situation.

Why acquire funds from a title lender?

Getting a title loan is a lot easier than borrowing money from other sources. A title loan enables you to acquire the cash you need based on the value of your car or motorcycle. At TitleMax, you can get up to $10,000* cash for your title. And, the best part is you get to keep driving your car or motorcycle during the course of the loan/pawn.

Personal loans are another solution to any unexpected or emergent financial needs. With greater flexibility and our fast application process, our personal loans may be the right solution to pay unexpected expenses quickly. At TitleMax, you can get a personal loan for up to $2,500* in most states. You may have enough money to get by, but need some additional funds for an emergency. Or maybe you had a rough month and need some cash now to hold you over until your next pay day. Regardless, there are a lot of ways to make more money, but one of the quickest ways is a TitleMax title loan, title pawn, or personal loan.

Why is TitleMax a great option for getting a title loan or personal loan?

TitleMax always offers its customers the most cash possible with competitive interest rates. Additionally, TitleMax has been a trusted consumer lender for over 20 years, helping thousands of people get cash when they need it. With TitleMax, you aren’t required to have perfect credit and you get your cash in about 30 minutes. Getting a title loan or personal loan is fast and simple with TitleMax!

What do you need for a car title loan or pawn? Find out here!  Interested in finding out more about personal loans?  Find out more here!

How do I know my personal information is safe with TitleMax?

TitleMax has been a trusted consumer lender for over 20 years and goes to extreme measures to keep our customers’ personal information safe. Your information is as safe as it can be with TitleMax.

TITLEMAX ONLINE LOANS

Can I Get an Online Loan Through TitleMax?

Customers in select states can apply for a loan online in minutes and get a quick decision.

What Types of Loans Are Available Online?

Generally speaking, there are many different types of loans available online:

  • Term Loans From Online Lenders
  • Lines of Credit
  • Personal Loans

All of the above may be options depending on your unique situation and needs, though not all can be applied for through TitleMax.

Currently, TitleMax offers Online Personal Loans in Arizona, Delaware, Kansas (LOC), Mississippi, Missouri, South Carolina, Tennessee (LOC), Texas, Utah and Wisconsin. Personal Loans may be an option for any unexpected or emergent financial need. With greater flexibility and our fast application process, our online personal loans may be the right solution to pay unexpected expenses quickly without needing to leave your home. Start your application online.

What States Offer Online Loans?

Currently, online loans through TitleMax are offered in Arizona, Delaware, Kansas (LOC), Mississippi, Missouri, South Carolina, Tennessee (LOC), Texas, Utah and Wisconsin. We are excited to make this product more widely available in the future. Ready to apply? Get started now!

Can I Apply If I Have Bad Credit?

Yes, absolutely! We accept most credit types. TitleMax may be able to approve you for an online loan whether or not you have perfect credit. Learn more about getting a loan with bad credit.

What Do I Need To Apply For A Loan Online?

In states where online personal loans are available, you must meet the following requirements:

  • Have an active checking account with direct deposit
  • Have a steady source of income
  • Have a Social Security Number and valid email address and phone number
  • Be at least 18 years of age

Due to state and verification requirements, some customers may be required to submit additional documentation. See what you need to apply for a loan online where you live.

How Do I Get A TitleMax Loan Online?

Getting a loan online is similar to getting a loan anywhere else. Online installment loans are processed completely online, so there’s no need to visit a location. In states where online personal loans are available, you can apply for a personal loan online in minutes, get a quick decision, and get the funds you need deposited in your bank account as soon as the next business day. Learn more about the process of getting a TitleMax loan online.

What Are The Differences Between An Online Loan and An In-Store Loan?

There are some notable differences between getting a loan online versus in a TitleMax store including:

  • In-store loans get you your cash that same day while with online loans funding usually happens the next business day
  • Getting an in-store loan gives you the ability to get your funds on your own Universe Silver® Card
  • Products offered vary by state, and the requirements are different depending on if you apply in store or online. Find out what Personal Loan requirements are in your state today.

Read more about how to get a TitleMax loan online.

What Are The Benefits Of a TitleMax Online Loan?

There are many benefits to getting a TitleMax online loan including:

  • Applying online easily in minutes
  • A quick decision
  • Verification and Funding without having to leave home
When Will I Receive My Funds?

Once your online loan application is approved, your cash will be sent to you via direct deposit and will be available as soon as the next business day.

How Much Cash Can I Get With a TitleMax Online Loan?

Our online loan products vary from state to state in addition to the amounts able to be borrowed. To know for sure, we recommend completing an application online. Approval status is quick, and the easy application will provide you with the amount you could be approved for. Get started now!

How Do I Make Payments On My Online Loan?

Online customers can make payments through the TitleMax® Mobile App, through the online customer portal, by sending a money order, or through contacting the Online Customer Service Center to make a debit card payment over the phone. Their number is 1-888-869-4522. Online loan customers do not have the option to make any payment at a retail location.

Can I Schedule My Payments To Be Made Automatically?

Yes, you can schedule automatic payments online through the online customer portal or on our mobile app, where you can also see when your payment is due.

When Will My Loan Be Due?

Your first payment due date and payment schedule will be based on the type of account you open with us, and the account opening date. Please review your account documents for details.

Do I Need a Bank Account To Be Approved For An Online Loan?

Yes, online customers are required to have a bank account in order to apply for online loans with TitleMax. Loan funding will occur through direct deposit into that bank account.

Do I Need Any Collateral For An Online Personal Loan?

No, online personal loans are unsecured loans and do not require collateral. If you do have a car or motorcycle title owned free and clear, you may be eligible for a title loan.

PROCESS

How does the title lending process work?

TitleMax makes the title lending process simple, and it can take as little as 30 minutes to get the cash you need. Here’s what you do…

  1. Get started with our online form, or bring your vehicle and lien free vehicle title to TitleMax.
  2. Fill out an application while TitleMax does a quick vehicle appraisal.
  3. TitleMax will determine a transaction amount based upon your need, credit history and the appraised value of your vehicle.
  4. Upon approval, you will receive the money you need and retain the use of your car or motorcycle.
  5. Once you pay off your account balance, you get your title back.

Visit this page for a more in depth look at how loans work!

How long does it take to get approved for a title loan?

With TitleMax, you can get the cash you need in as little as 30 minutes. Make sure you bring the required items when you apply for your title loan and you’ll have the cash you need before you know it. At TitleMax, we know how to make money quick!

What items can I pawn? How does a pawn work?

We offer car title pawns and motorcycle title pawns in our GA TitleMax stores. However, if you’re looking to pawn other items at a different pawn store, learn all about the various items you can pawn. If you’ve never pawned an item before or are looking to learn more about it, read “How To Pawn An Item” for more information.

Can I only apply for a title loan at TitleMax locations?

You can apply for a title loan at any one of our 1,000+ convenient locations or you can get started online for a title loan.

How do I get a car title loan or motorcycle title loan?

We’ve made the car title loan and motorcycle title loan process simple. There are minimal requirements, so we can get you the cash you need in as little as 30 minutes. Read “How to Get Car Title Loan” for a full explanation.

How do I get a car title or motorcycle title?

You can get a copy of your car or motorcycle title from your local DMV. To get detailed instructions on the process and to make sure you have everything you need to get a copy of your car or motorcycle title!

How do I pawn a car title or motorcycle title?

In our GA TitleMax stores, we offer a car title pawn and motorcycle title pawn. They’re similar to a title loan and basically just a pawn against your car title.

Read more to learn how to pawn your title!

How Does The Personal Loan Process Work?

A personal loan is a fixed amount, with a fixed interest rate, that is to be repaid in accordance with the promissory note, and within a fixed period of time. TitleMax online and in-store personal loans are unsecured, requiring no collateral.

For an online personal loan all you need to do is start your online application and you’ll find out quickly how much you could be approved for! Apply first, then after approval and validation of all required information, your loan will be disbursed.

To qualify for an in-store personal loan, customers must provide us with certain documents, including:

  • A driver’s license or some other valid form of government-issued identification, such as a matriculates consular card or passport
  • A paystub from within the past 30 days or some other proof of income. For loans greater than $1,000, two consecutive pay stubs showing direct deposit are required
  • Proof of residency in the form of a utility bill, voter registration, lease agreement, or mortgage statement
  • An active bank checking or savings account statement from within the past 45 days
  • A voided check
  • In AZ, a valid AZ motor vehicle registration in your name

If applying for an online personal loan, customers will need to provide the following:

  • Proof of steady income
  • Active bank account (and access to its details)
  • Proof of residency (for the state in which you’re applying)
  • Valid government-issued ID
  • Valid SSN
  • Valid and active email address and telephone number
  • In AZ, a valid AZ vehicle registration in your name

Visit this page for a more in depth look at how personal loans work.

How Do I Get a Personal Loan?
  • Complete our personal loan application
  • Meet the required eligibility criteria

Individuals who complete an application for a personal installment loan and meet our requirements are eligible for a personal loan from TitleMax. For more information, read “How Personal Loans Work“.

Can I Apply For a Personal Loan Online?

Yes! You can quickly and easily apply for a personal loan online at TitleMax by filling out our online application. We can have you on your way from the comfort of your own home!

QUALIFICATIONS

Do I Need To Have A Job To Be Approved For a Title Loan or Personal Loan?

No, TitleMax does not require you to be currently employed to get a title loan or personal loan. But you do need to have some type of income (unemployment, disability, retirement income, etc).

What If I Have Bad Credit? Am I Still Eligible for a Title Loan or Personal Loan?

Yes, absolutely! Here at TitleMax we accept most credit types (other than active bankruptcy) and can approve you for a title or personal loan whether you have perfect credit or not… you can even get a title loan or pawn with limited credit history! Learn more about getting a loan with bad credit!

Can I get a title loan or personal loan? What's required to be approved?

At TitleMax we offer title-secured loans/pawns and personal loans in-store and online. To be approved for a title-secured loan/pawn with TitleMax, you must be at least 18 years old (19 years in Alabama) and have the following:

Read more to see if you can get a title-secured loan/pawn.

To be approved for an in-store personal loan with TitleMax, customers must provide us with certain documents, including:

  • A driver’s license or some other valid form of government-issued identification, such as a matricula consular card or passport
  • A paystub from within the past 30 days or some other proof of income. For loans greater than $1,000, two consecutive pay stubs showing direct deposit are required.
  • Proof of residency in the form of a utility bill, voter registration, lease agreement, or mortgage statement
  • An active bank checking or savings account statement from within the past 45 days
  • A voided check
  • (In AZ) Valid AZ motor vehicle registration in your name

To apply for an online personal loan, depending on your state of residency, you will need to provide the following:

  • Proof of income (dated within 30 days)
  • Active bank account (and access to its details, dated within 45 days)
  • Proof of Residency (for the state in which you’re applying)
  • Valid government-issued ID
  • Valid SSN
  • Valid and active email address and telephone number
  • (In AZ) valid vehicle registration in your name
Does the title have to be in my name?

Yes, the car or motorcycle title must have you listed as the legal owner to be eligible for a title loan with TitleMax. If you are listed on the title along with another person, call the location nearest you to determine whether or not the other person listed on the title has to apply along with you.

How do I know if I will be approved for a title loan or personal loan?

When stopping into your nearest TitleMax with the required items for a title-secured loan/pawn or an in-store personal loan, a TitleMax Team Member will review and validate all required documentation. If applying with your vehicle title, a vehicle appraisal will also be required, which will be performed by a Team Member while you finish up your application. Apply first, then after validation of the necessary requirements, your funds will be disbursed. The process can take as little as 30 minutes in store! Depending on your state of residence, you can also apply for a personal loan online and get an instant decision online in the comfort of your home. Find out what you need to apply with your title, or for a personal loan!

What if I already have a title loan with another company?

TitleMax wants to help you no matter what your situation. That’s why in most cases we can refinance any title loan you already have with a lower rate TitleMax title loan and pay off your existing title loan. Visit us now and start saving money today!

Can I get a loan without a bank account?

Yes! It’s actually quite simple to get a loan even if you don’t have a bank account. You can still get the money you need from a non-traditional loan. It comes down to knowing the various types of loans and options out there. Learn the facts… learn how you can get a loan without a bank account!

What if I am on disability or retired? Can I still be approved for a title loan?

As long as you have a source of income (disability, pension, etc.), you are eligible for a title loan with TitleMax.

How can I get money with bad credit?

If you have bad credit and you’re looking for a way to get money, we can help. At TitleMax, the value of your car title replaces the need for a good credit history; therefore, we can put the money you need in your hand regardless of your credit score. Here are some more options and additional information on how you can get money with bad credit.

How can I get a loan after bankruptcy?

Although your financial options are limited after bankruptcy, it is still possible to get a loan. A title loan with TitleMax may be a great way to get you back on your feet. We’ve put together some valuable information to help you understand your loan options and what your next steps should be.

Learn more about getting loans after bankruptcy!

PAYMENTS

How do I pay my loan or pawn?

We offer a variety of payment methods that fit into even the busiest of schedules. Whether your loan or pawn payment is due in 30 days or over several months, we make the payment process easy and convenient in-store, online, and through our TitleMax® Mobile App that is available to download in the App Store® and in the Google Play™ store. Payment options and terms vary by state and product. Please visit our Payment Guide to learn more about your local TitleMax payment options.

Is there a pre-payment penalty?

TitleMax does not charge a pre-payment penalty. In fact, we encourage customers to pay off their title and personal loans sooner if possible.

How do I get my title back?

After paying off your account, TitleMax will release its interest in your vehicle by removing its lien from your title. Thereafter, your title will be returned to you after it is processed by your state’s department of motor vehicles.

BAD CREDIT LOANS

Are there loans after bankruptcy?

Although having had a bankruptcy recently or in your past can make it more difficult to get approved for credit, it is still possible to get the funds you need after bankruptcy! In this case the best type of loan might be a Title-Secured Loan or Pawn with TitleMax, because, though we do review your credit history and credit bureau information, your credit report isn’t the only thing we consider. To get a better understanding of your options and what your next steps should be, visit your nearest TitleMax location today!

Learn more about how to avoid bankruptcy!

Can I get a title loan/pawn if I have a lot of debt or credit card bills?

Our life is unpredictable and it can change suddenly due to an incident that comes without warning. As a result, we may need extra cash to meet sudden demands. This can become very stressful when banks turn you down for having a bad credit score, high debt or a lot of bills to pay each month. Though we do perform a credit check, it isn’t the only factor we consider. Because the value of your vehicle helps secure your title-secured loan or pawn, it’s possible to get the cash you need with TitleMax even if you don’t have perfect credit.

Find out more about how it works or get started on the application process. It’s simple and could get you the cash you need within the same day!

Can I get a loan with bad credit?

Yes. We accept any credit types. TitleMax can help you with your emergency financial needs with a title loan whether you have good credit or not… We help people get the cash they need and get a loan with no credit at all. And Applying for a title loan and getting a title loan with TitleMax will not hurt your credit score.*

More about getting a loan with bad credit
How to get money with bad credit

TitleMax Mobile App

What is the TitleMax® Mobile App?

The TitleMax® Mobile App allows customers to check their balance, due date, payment history and more, all from your smartphone mobile device! Get connected directly with a friendly customer service representative from your app and manage your account with ease- anytime, anywhere. The TitleMax® Mobile App is available for download to all of our customers and is compatible with Android or Apple digital devices.

Is it possible to access the TitleMax website from the mobile app?

Yes, our website can easily and quickly be accessed via the application.

Can I make payments using the TitleMax Mobile App?

Making a timely payment on your title loan/pawn or personal loan is important to all parties, and that’s why one of the primary features of this mobile application is as a self-service payment portal. It allows you to check the balance of your account and due dates and make a payment at any time, whether you are at home or on the go.

What are the available payment options?

Customers can add and use a debit card through the mobile app to make payments.

I have a question about a past payment. Is it possible to look up my payment history using the app?

It isn’t uncommon to want to look back at past payments, particularly if you have questions about an amount that was paid or you need to know the date when it was paid. Checking your account is simple when you have our mobile app installed on your digital device. With our app, our customers can quickly and conveniently check their payment history.

How can I use the app to contact TitleMax?

You can get answers to any questions that you may have about your account by contacting us online or through our app.

What are some of the other uses and benefits of the mobile application, and when will new features be available?

The TitleMax® Mobile App has a multitude of benefits allowing customers to manage their account, view their payment history and details about their store, and make a payment, all from their mobile device. Available to download for anyone with an Apple or Google device, the app is continuously updated to provide the best customer experience possible!

What is Click & Mortar™ and How will that help me?

Once you have a loan or pawn with TitleMax, you can visit the local store to take care of payments and get your questions answered. You also have the ability to use the mobile app to make payments, check your balances and more. More options available to make working with TitleMax more convenient for you.

TitleMax Vehicle Appraisal Process

What is an appraisal on a car?

An appraisal is an assessment of a vehicle to help determine its value. An appraisal takes into consideration the car’s production year and mileage as well as its make and model. The overall condition of the vehicle will also have an effect on its appraised value. An appraisal can help determine how much you can borrow from TitleMax.

What do I need to bring with me to have my vehicle appraised?

When you want to apply for a loan using your vehicle title, you’ll need to not only bring your vehicle but also certain documents. The necessary documentation includes the lien-free title of the vehicle, which should be in your name. You will also need a valid form of government-issued identification with a photo such as a driver’s license. The name on both the identification and the title should be yours. Additional documentation may be required based on your state of residency.

How much do you get for a car title-secured loan or pawn?

The amount of money that you can get if approved for a car title-secured loan or pawn depends on several factors, including the results of the vehicle’s appraisal and how much you need. Your loan/pawn amount also must be between the minimum and maximum amounts in your state. Additional requirements will vary by state. For more information regarding how much money you can potentially get with a car title loan or pawn, you’ll need to contact a TitleMax representative by phone.

Do I have to visit a TitleMax location for an appraisal?

Your vehicle will need to be appraised in person. However, if there isn’t a TitleMax location near you, you may be able to visit a TitleMax Authorized Appraiser instead. When you visit an Authorized Appraiser, you can have your car or truck appraised and submit the information required without needing to go to a TitleMax store.

How does visiting a TitleMax Authorized Appraiser work?

Just like when you visit a TitleMax store, a TitleMax Authorized Appraiser will take photos of your car or truck. This part of the assessment process is typically completed in just a few minutes. Once the appraisal is complete, you’ll be able to start the application process for a car title-secured loan or pawn online or by phone. Call (844) 390-1570 to contact one of our experienced representatives, who will then help guide you through the online origination process.

Notary Public Services

Where can you find a Notary Public?

You can find a Notary Public at TitleMax stores in Missouri. More About Notary Public Services

Flexible Line of Credit

What is a Flexible Line of Credit?

When emergency expenses arise, it’s not always clear from the beginning exactly how much they’ll cost. In some situations, you find yourself facing a string of smaller expenses rather than one big one. If this happens to you, you’ll be glad to know that our line of credit loans can help you get access to the funds you need without a lot of paperwork or waiting around. To find out more about our flexible line of credit loans, check out our Flexible Line of Credit FAQ page, where we’ve tried to answer all of the questions you might have before you apply. Of course, you’re always welcome to contact us if you don’t see the information you’re looking for.