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About Title Loans

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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 1000 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 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 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 apply 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!

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.

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:

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.

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 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 is an application meant for use on compatible Android or Apple digital devices, such as your smartphone.

What is the purpose of this app?

The application is meant to help customers better manage their TitleMax® accounts online.

Who can use this app?

Our mobile app is currently available to customers in Alabama, Arizona, California, Delaware, Georgia, Illinois, Mississippi, Missouri, Nevada, New Mexico, South Carolina, Tennessee, Texas, Utah, Virginia and Wisconsin.

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® app is continually updated to provide the best customer experience possible, and the app will notify you of any new features that are released as soon as they are available.

TitleMax Appraisals

What is an Appraisal on a Car?

Our appraisal is an assessment of a vehicle to help determine how much you can borrow. 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. More about TitleMax® Car Appraisals

Personal Installment Loans

What is a personal loan?

A personal installment loan is an unsecured loan that is repaid in periodic installments. It is a solution for people who are unable to obtain a traditional loan due to less-than-perfect credit or simply a lack of time. Personal installment loans are also an option for individuals who don’t qualify for a title loan or do not want to use their title as collateral. More about personal loans

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.