How Much Cash
Can I Get?

You must acknowledge receipt of both the Virginia Lender’s Notice and the Borrower’s Rights and Responsibilities Notice in order for us to be able to provide you with an estimate loan range. Please click here to access these notices and acknowledge receipt.

SSL site seal - click to verify

Frequently Asked Questions

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!

  • Where can I get a loan?

    There are plenty of lenders out there, but before you can decided 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 much more equipped to decide what type of loan you want and which lender has the best option for that loan. At TitleMax, we have over 1100 convenient locations. Find your local TitleMax store and check out the ways TitleMax can put cash in your pocket today!

    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 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. Then, once you repay the loan, 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 TitleMax?

    You can get up to $10,000!* The loan amount is based upon your need and the value of your vehicle appraisal. 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 or motorcycle title 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. You may have enough money to get by, but need some extra funds for something special. 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.

  • Why is TitleMax a great option for getting a title loan?

    TitleMax always offers its customers the most cash possible with competitive interest rates. Additionally, TitleMax has been a trusted consumer lender for over 15 years, helping hundreds of thousands of people in getting cash when they need it. With TitleMax, you never have to worry about having perfect credit check and you get your cash in about 30 minutes. Getting a title loan is fast and simple with TitleMax!

    What do you need for a car title loan? Find out here!

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

    TitleMax has been a trusted consumer lender for over 15 years and goes to extreme measures to keep our customers’ personal information safe. Your information is as safe as it can be with TitleMax.

Process

  • How does the title lending process work?

    TitleMax makes the title lending process simple, and it only takes a few minutes to get the cash you need. Here’s what you do…

    1. Bring your vehicle and lien-free vehicle title to TitleMax.
    2. Fill out an application while TitleMax does a quick 5-minute vehicle appraisal.
    3. TitleMax will determine a transaction amount based upon your need and the appraised value of your vehicle.
    4. Upon approval, you will receive the cash you need and retain the use of your car or motorcycle.
    5. Once you pay off your account balance, you get your title back.

    For a more in depth look at how loans work, click here!

  • 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 1,100+ convenient locations or you can apply online here 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 as quickly as you need it. 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, click here!

  • 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!

Qualifications

  • Do I need to have a job to be approved for a title loan?

    No, TitleMax does not require you to be currently employed to get a title 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?

    Absolutely! We accept all credit types. TitleMax can approve you for a title loan whether you have perfect credit or not… you can even get a loan with no credit at all. And your credit score isn’t affected by applying/obtaining a title loan with TitleMax.** Learn more about getting a loan with bad credit!

  • Can I get a title loan? What’s required to be approved?

    To be approved for a title loan 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 loan.

  • 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?

    The best way to know if you will be approved for a title loan is to stop into your nearest TitleMax with the required items. TitleMax will do a quick vehicle appraisal while you fill out an application, and in about 15 minutes you’ll know exactly how much cash you’ve been approved for.

  • 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. For more options and a better understanding of how you can get money with bad credit, click here.

  • 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?

    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 loans sooner if possible.

  • How do I get my title back?

    TitleMax will return your title immediately after you pay back the full amount due on your account.

Bad Credit Loans

  • Are there loans after bankruptcy?

    Usually options are limited after bankruptcy because bankruptcy usually makes it more difficult to get approved for credit, for example a loan. Although it is still possible to get a loan. In this case the best type of loan might be a Title Loan with TitleMax. This is a great way to get you back on your feet. Here is some helpful information to give you more understanding of your loan options and what your next steps should be. A title loan calculator will help you determine how much loan you can get after bankruptcy. This is not based on your credit score it is based upon your vehicle appraisal and your need.

    Learn more about getting loans after bankruptcy!
    Learn more about how to avoid bankruptcy!

  • Can I get a loan 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. Unlike other lenders who look at credit, TitleMax requires that you are at least 18 years old (19 years in Alabama) and have the following, and credit is not one of them:

    See more at: Consolidate Debt to Improve Credit

  • Can I get a loan with a low FICO score?

    Good News! 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. For more options and a better understanding of how you can get money with bad credit, click here.

    However, many lenders do require a credit check to see your credit history and your credit score. Your FICO score is calculated according to your credit history. One misconception is that FICO is the exclusive credit scoring system. There are many credit scoring models. FICO is one of them.

    In the 1980’s, the Fair Isaac Corporation (FICO) set up the first general purpose credit scoring system based on credit bureau information in order to help standardize credit scores. It has since become known as the FICO score and the algorithm has been widely adopted in America. Other models include Vantage. Each credit bureau has its own system for scoring as well. The three major credit bureaus are Equifax, Transunion and Experian.

    If you need cash quickly or as fast as today and your credit score is not accepted by other lenders, TitleMax has more options to help. Get started today! Here are the simple steps:

    • Apply online
    • You and your customer service representative will decide on the amount of your loan.
    • You take your cash and go along with your day!
    • Keep driving your car or motorcycle throughout the entire duration of your loan or pawn.
    • Find more at: FICO and Credit Score Models

  • Can I get a loan with bad credit?

    Yes. We accept all 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 make more money with bad credit

* Maximum loan amount in Ohio is $5,000. Maximum loan amount in Illinois is $4,000. Maximum loan amount in Mississippi and Tennessee is $2,500. Maximum loan amount in select Texas stores is $1,340, and in others it is $10,000.

** Car title loans may require a credit check in California. Motorcycle title loan and pawn approval requires satisfaction of all loan eligibility requirements including a vehicle evaluation and a credit check.

*** To be approved for a title loan or pawn, you must be at least 18 years of age (19 in Alabama). Account approval subject to vehicle inspection, appraisal, and, if applicable, a credit check.

† Proof of income is required in Illinois, South Carolina, and California. In California you are also required to provide proof of residency, and a valid vehicle registration to obtain a loan.

‡ Signature and personal loans are offered by an affiliate of TitleMax and are currently only available in Florida. Account approval requires satisfaction of all loan eligibility requirements, including a credit inquiry, and, if applicable, motor vehicle appraisal.

§ Refinancing of a competitor’s title loan is not available in Mississippi or Virginia. In Illinois, you are required to have reduced your original principal balance by 20% before refinancing. TitleMax brands, including TitleBucks, and InstaLoan, are not considered competitors. Please see a store associate for details.

- TitleMax of Virginia, Inc. d/b/a TitleMax is licensed by the Virginia State Corporation Commission, license number VTL-11.

- In Ohio and some locations in Texas, TitleMax will act as a Credit Services Organization to assist you in obtaining a loan. Your loan may be made by an unaffiliated third party Lender. Please see store associate for details. TitleMax of Ohio, Inc., Credit Services Organization Certificate No: CS.900193.000. Please see Texas Schedule of All Fees.

- In GA, TitleMax offers Title Pawns.

– In CA, Loans are made by TitleMax of California, Inc., California Finance Lenders Law License No. 603K014.