We've helped
over 25,000
a flexible
line of credit!


At TitleMax®, our reputation speaks for itself and as one of the largest consumer finance companies, we are dedicated to helping people get the money needed to cover unexpected emergent expenses.

In our continued efforts to bring you excellent service, we now offer Tennessee Lines of Credit (“LOC”), also referred to as flexible/flex loans, to our list of available lending options. Although we’re widely known for our title pledges, our customers will find that our in-store and online LOC options are a beneficial lending solution.
A LOC is a type of flexible borrowing solution that helps ensure that you have funds available for unexpected costly situations. Our LOC is an example of this type of financing that works similarly to a credit card in which you can draw funds up to your credit limit and use funds when you need them.


Title-Secured and Unsecured Personal Lines of Credit are currently available to our TitleMax customers in Tennessee and can be applied for at one of our TitleMax Tennessee store locations like in Nashville and Cleveland, for example, or online!

You can also start the application process for a LOC online if desired, making the process quick and If you are eligible for an online personal LOC, you can complete the entire application process and manage your account online.. This option is convenient and helps our customers avoid long bank lines and even longer approval processes. Because perfect credit isn’t required to apply, our Tennessee flexible line of credit loans may be a good fit for those who don’t qualify for traditional loans.


When starting the application process for a flexible Line of Credit online, TN customers will find it’s important that they understand how this lending option works and why it’s beneficial. You should know that it differs from a title pledge, which provides you with your total loan amount all at once. Our TitleMax flexible Line of Credit is similar to a credit card in that you’re given a credit limit and you may use it as needed. You can, for example, wait to withdraw from your account or you may use your funds by withdrawing small or large amounts on multiple occasions. How you use it is your choice, however, you cannot exceed your maximum line of credit limit. It’s possible to apply for a line of credit even if you currently have a title pledge with TitleMax. But remember, you can only have one Line of Credit loan at a time in Tennessee, inclusive of other lenders.


You can begin the simple application process for a TitleMax line of credit online, in person, or by phone. You must be at least 18 years old (19 in AL) and meet all eligibility requirements.

For a Secured LOC in store, you must provide a valid government-issued identification as well as a car with a clear title that can be used as collateral. In addition to starting the application for a flexible Line of Credit online, TN customers must bring the required car and documents to a local TitleMax store. In store, one of our customer service representatives will help you complete the application and appraise your vehicle. The vehicle appraisal will help us in determining your credit limit. It’s a fast process that allows you to gain access to approved funds within the same day.

For an in-store Unsecured LOC, applicants must provide the following:

  • Valid Government-Issued ID
  • Proof of Income Dated Within the Past 30 Days
  • Proof of Residency
  • Active Checking or Savings Account (and access to its details) Dated Within the Past 45 Days
  • A Voided Check

To confirm eligibility for a TitleMax online personal LOC, applicants must provide the following:

  • Proof of Steady Income Dated Within the Past 30 Days
  • Active Bank Account (and access to its details) Dated Within the Past 45 Days
  • Proof of TN Residency
  • Valid Government-Issued ID
  • Valid SSN
  • Valid and Active Email Address and Telephone Number

Online personal LOC customers will also require direct deposit in order to receive their funds as soon as the next business day upon approval.

When looking for a Line of Credit, Tennessee residents in Clarksville and other cities within the state can trust TitleMax to meet their needs. We’ve helped many customers with a flexible LOC, and we want to help you too! Contact us to start the loan application process today!