How can I get a loan with bad credit

Borrowers can turn to title loans instead of credit cards or payday loans when they have bad credit. A Title loan can help make monthly finances more manageable, and sometimes a lower overall interest rate. Life has unexpected situation that require cash in the same day regardless if you have bad credit.

Credit Score and Credit Improvement

Beware of quick schemes that claim they will improve your credit as there are many scams. Check with a trusted source to educate yourself. Continue to pay bills on time, pay off any outstanding debt, never max out your credit cards, and continue to be patient. This can take several years and it’s easy to negatively impact it and very slow to improve it. The only exception is for people who’ve suffered from identity theft (for which other measures can be taken). Continue to watch and examine your credit report, and be sure to understand what everything means.

Taking control of your finances

Life is unpredictable and sudden unexpected concerns are expected. At these worrying times, we may need extra cash today. These unexpected events cause stress and anxiety since they often occur quickly. Sometimes we have saved for planned financial changes but we can’t predict everything. That is where title loans from TitleMax® can help, regardless of your credit! Learn more about getting cash today and getting a loan with bad credit!

  • * Maximum loan amount in Illinois is $4,000. Maximum loan amount in Mississippi is $2,500. Maximum loan amount in Tennessee is $6,500, assuming customer qualifies and accepts both the Pledge and Line of Credit. Minimum loan amount in California is $2,600.
  • ** 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 requires satisfaction of all eligibility requirements, including a possible credit inquiry, and a motor vehicle appraisal. Certain other terms and conditions apply.
  • † Proof of income is required in Illinois, Nevada, some Texas locations, 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®, 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 Texas, TitleMax® acts as a Credit Services Organization 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.
  • - In GA, TitleMax® offers Title Pawns.
  • - In CA, Loans are made by TitleMax of California, Inc., California Finance Lenders Law License No. 603K014.
  • - New Mexico Consumers: please see important New Mexico Consumer Information and Disclosures.