Watch this short video to learn How Personal Loans Work

HOW PERSONAL LOANS WORK

Getting a personal loan with TitleMax® is easy! Once approved, you can get the cash you need in as little as 30 minutes when you visit us in-store, or as soon as the next business day online– even if you don’t have a clear title for your vehicle!

How Our Personal Loans Work

1. Apply Today

Fill out the form at the top of this page to get the personal loan process started online.

2. Get Approved

TitleMax® can approve you quickly for a personal loan!

3. Get Your Cash

You’ll have your cash in as little as 30 minutes when you apply in-store or as soon as the next business when you apply online.

I Need a Personal Loan, How Do I Apply?

When you find yourself facing an unexpected expense, TitleMax offers an easy application process for personal loans when you visit your local TitleMax! You can complete a personal loan application with a friendly TitleMax representative who will help you through the entire process. Once your application is complete, you’ll find out quickly how much you could be approved for!

Apply first, then after validation of the necessary ID and banking information, your loan will be issued to you either via check, or you can have it deposited in your debit card.

What do I Need to be Approved for a Personal Loan with TitleMax?

For an in-store personal loan, customers must provide us with certain documents, including:

A driver’s license or some other valid form of government-issued identification, such as a matriculates consular card or passport
An active bank account statement from within the past 60 days (If recurring deposits aren’t displayed on your active bank statement, you’ll need to show a paystub from within the past 60 days or some other proof of income.)
In AZ, a valid AZ motor vehicle registration in your name
In NV, you must also provide proof of gross income (in addition to your bank statement)

If you have any questions regarding the loans we offer, contact us, chat live with customer service, or call us toll-free. We look forward to serving you!

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TitleMax services, products, and funded amounts vary and are not available in all stores or states.

¹ Title-Secured Loans, Secured LOCs and Title Pawns: Must present valid government issued ID and be at least 18 years of age (19 in Alabama). Account approval requires satisfaction of all eligibility requirements, including a credit inquiry, a military “covered borrower” check, a motor vehicle appraisal and a title review. Certain other eligibility requirements and terms & conditions apply. Line of Credit (“LOC”) customers are subject to a periodic collateral review to maintain credit limit. Ability to repay analysis is required in Missouri, Nevada, some Texas locations, and Utah (with income documentation in NV and TX). Certain TX product require proof of insurance. Funded amounts may vary by state, store, product or based on the results of an ability to repay analysis (where applicable). Maximum funded amount in Mississippi is $2,500. Maximum funded 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. Motorcycle max (where applicable) up to $2,500 in AZ and for TN pledge; $3,000 in other markets. Refinancing is not available in Nevada, or for Mississippi or Tennessee Pledge products. Minimum funded amount in South Carolina is $601.

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 monthly income is required in addition to a bank statement. In AZ, a valid AZ motor vehicle registration in your name is also required. Min funded amount is $601 in SC. For new personal/unsecured loan customers without SSN or ITIN, max loan is $350 ($601 in SC). 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, TX, UT or WI). Min funded amount is $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, New Mexico and Virginia Residents: TitleMax® no longer originates new loans in CA, IL, NM or VA, but continues to service existing loans.

– 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.

– Missouri Consumers: please see Missouri Schedule of Loan Fees and Charges.

– 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. A Nevada state-wide database check is required as a condition to getting a title loan or high interest loan in Nevada.

– In Tennessee, TitleMax offers title pledges and secured 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 act 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.

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