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Personal Loan!

Can you get a personal loan from TitleMax?

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Individuals who complete an application for a personal installment loan and meet our requirements are eligible for a personal loan from TitleMax® provided that they do not currently have an outstanding loan with us.

How do you qualify for a personal loan?

To qualify for a personal installment loan, customers cannot have an existing loan with us. They must also 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 pay stub from within the past 30 days or some other proof of income. For loans greater than $1,000, two consecutive pay stubs are required.
Proof of residency in the form of a utility bill, voter registration, lease agreement, or mortgage statement
A bank/ active checking account statement from within the past 45 days
A voided check
(In AZ) Valid Motor Vehicle Registration in your name

What banks offer personal loans?

Numerous banks across the country offer personal loans, but for many people, they’re not a good option. Bank loans often have lengthy approval processes and require flawless credit. If you don’t have time to wait around while a bank decides whether they want to approve you for a loan, turn to TitleMax®.

Can you use your car as collateral for a personal loan?

No: Our personal installment loans do not require any form of collateral.

Is direct deposit necessary?

Direct deposit of your loan disbursement is only required when the loan amount is greater than $1,000.

Can repayment be made electronically?

Yes, we offer our customers the option of making electronic payments through the Automated Clearing House, or ACH, the nation’s largest electronic payment processor.

What are the benefits of making payments through ACH?

When you select the ACH payment option, your payments will be made automatically, without any effort from you. There’s no need to come into our store, and you won’t have to worry about accidentally forgetting a payment. Preferred pricing is also given to our customers who opt for ACH repayment.

How often are installment payments made?

Repayment on personal installment loans varies by state but options include weekly, biweekly, semi-monthly and monthly basis.

What’s included in each payment, and when is payment due?

Your installment payments will include principal, interest, and fees. This helps ensure that your loan is paid off entirely by the end of the loan’s term if you pay on or before your due date.

What determines the term of the loan?

The amount of your loan and your pay schedule helps us to determine the term of the loan, and the frequency of your due date.

How much cash can I get?

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¹ Title-Secured Loans, Secured LOCs and Title Pawns: Maximum pledge amount in Mississippi is $2,500. Maximum loan amount in Tennessee is $6,500, assuming customer qualifies for and accepts both the pledge max of $2,500 and Secured LOC max of $4,000. Refinancing is not available in Nevada, or for Mississippi or Tennessee Pledge products. Minimum loan amount for title-secured loans in South Carolina is $601.

Must be at least 18 years of age (19 in Alabama). Account approval requires satisfaction of all eligibility requirements, including a credit inquiry, a motor vehicle appraisal and a review of title condition. Must present valid government issued ID. Certain other eligibility requirements and terms & conditions apply. Loan/LOC/Pawn amounts vary by states and product. LOC customers are subject to a periodic collateral review to maintain credit limit. Proof of income documentation and ability to repay analysis is required in Missouri, Nevada, some Texas locations, and Utah.

² Personal Unsecured Loans/LOCs: Unsecured loan amounts and products not available in all stores/states. First time maximum for new personal loan customers varies by state; first time max is $600 in MS; $800 in SC; $1000 in other markets. Higher amounts may be available for return borrowers. In-Store: In-person application not available in the state of Idaho at this time. Account approval requires satisfaction of all eligibility requirements, including a credit inquiry. Bring in active bank account details (dated within the last 60 days), and a valid government-issued ID to apply. If your bank account statement does not show recurring income deposits, you will need to also bring in proof of income, like a paystub, from within the last 60 days. In NV, proof of gross income is required in addition to a bank statement. In AZ, a valid AZ motor vehicle registration in your name is also required. Min $601 in SC. For new personal/unsecured loan customers without SSN or ITIN, max loan amount is $601 in SC, $350 in other states. Online: If you do not have an SSN or ITIN, please visit us in store to apply. Additional items required for eligibility, including: a valid and active email address and telephone number, and a valid SSN. You must also reside in a state in which we do business (currently AZ, DE, ID, KS, MO, MS, SC, TN, TX, UT or WI). Min $610 in SC. Certain other terms and conditions may apply.

– Funds distributed via ACH to the borrower’s debit card, Dash Prepaid Card or MoneyGram (when/where available). The Prepaid Technologies Mastercard Prepaid Card is issued by Pathward, N.A., Member FDIC pursuant to a license by Mastercard International Incorporated. The card may be used everywhere Debit Mastercard is accepted.

– California, Illinois and Virginia Residents: TitleMax® no longer originates new loans in CA, IL or VA, but continues to service existing loans.

– Please see our California Resident Notice at Collection and Privacy Policy: Submit a Verified Consumer Request to understand what information we collect, disclose, or sell, to request that we delete your information, and/or opt out of selling by clicking .

– In Georgia, TitleMax offers Title Pawns.

– In Idaho, TitleMax only offers an online personal line of credit. In-person loans/applications are not available at this time.

– New Mexico Consumers: please see important New Mexico Consumer Information and Disclosures.

– South Carolina Residents: Please see South Carolina Consumer Information and Disclosures.

– In Nevada, title loans and high interest 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 or high interest loan transaction. Ability to repay analysis with income documentation required. Proof of gross monthly income required for a personal loan. As of February 2022, a Nevada state-wide database check is required as a condition to getting a title loan or high interest loan in Nevada. Only one loan (either title-secured or personal) allowed per customer, inclusive of other lenders.

– In Tennessee, 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 a periodic income (and collateral, if applicable) review/validation.

– TitleMax of Texas, Inc. and TitleMax Online of Texas, Inc., d/b/a TitleMax acts as Credit Services Organizations 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. TitleMax does not offer pawn loans or pawn transactions in Texas. Certain TX products require proof of insurance. Loan minimums/maximums may vary by store, product or based on results of an ability to repay analysis.

– TitleMax®, TitleBucks®, and InstaLoan®, are not considered competitors. Please see a store associate for details.