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TitleMax Personal Loans

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TitleMax® has earned a stellar reputation for our customer service and our convenient application process. Through our personal loans, we are excited to offer customers another solution to any unexpected or emergent financial needs. With greater flexibility and our fast application process, our personal loans may be the right solution to pay unexpected expenses quickly. Start your loan application online now! Our application process typically requires fewer qualifications than banks require and we are committed to helping our customers overcome financial hardships.

What Is a Personal Installment Loan?

Personal installment loans are loans in which the borrower repays the lender in periodic intervals. It’s an alternative loan option that’s suitable for those who don’t want to wait around for approval for a traditional loan or those who don’t meet banks’ stringent standards for qualification. Personal loans from TitleMax offer a faster application process, but they differ from title-secured loans because they are unsecured, meaning that you can apply for a personal installment loan even if you do not own a vehicle with a clear title.

I need a Personal Loan, How Do I Apply?

When you find yourself facing an unexpected expense turn to TitleMax. You can conveniently start the application online. Customers can also visit one of our select TitleMax locations. At our stores, you can complete a personal installment loan application and speak with a TitleMax representative in person. If you have any questions regarding the loans we offer, contact us by email, chat live with customer service, or call us toll-free. We look forward to serving you.

Depending on your home state, you may also be eligible to apply for a TitleMax unsecured personal loan online. Apply right on our website.

Start your online application to get a personal loan now. 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 disbursed. For in-store loans, it will be issued to you either via check, or if approved, you can have it deposited in your Universe Silver® Deposit Account. You’ll also be issued a debit card for you to access your funds with. Read more about the Universe Silver Deposit® Account and Visa® Debit Card. For our Online Personal Loans, your loans will be deposited directly into your bank account as early as the next business day.

In-Store Personal Loans Are Currently Available in:

South Carolina
Tennessee – Flex Line of Credit (LOC)
Other states will be added soon!

What Are In-Store Eligibility Requirements?

While collateral is not required if you want to get a personal loan, there are a few basic qualifications. To confirm eligibility for a TitleMax personal installment loan, applicants must provide the following:

  • A valid government identification such as a passport or a Matricula Consular card
  • A pay stub from the past 30 days or any approved proof of income
  • Proof of residency, such as voter registration or utility bill
  • A bank statement dated within the past 45 days
  • A voided check
  • (In AZ) Valid Motor Vehicle Registration in your name

In addition to these general requirements, you’ll need to submit two pay stubs if you are approved for a loan that’s more than $1,000, and you will need to show proof of direct deposit.

Online Personal Loans Are Currently Available in:

Kansas (LOC)
South Carolina
Tennessee (LOC)
More states are coming soon

What Are Online Eligibility Requirements?

While collateral is not required if you want to get an online personal loan, there are a few basic qualifications to get fast personal loans online. Approval requires:

  • Proof of Steady Income
  • Active Bank Account (with access to its details)
  • Proof of In-State Residency and a Valid Government-issued ID
  • Valid SSN
  • Valid & Active Email Address and Telephone Number

If applying for an online loan, note that funding will occur electronically and funds will be deposited into your bank account. This should occur as soon as the next business day after your loan has been finalized.

Repaying TitleMax Personal Installment Loans

Customers with a personal loan may pay us, depending on the state, in weekly, bi-weekly, semi-monthly, or monthly installments. Every payment includes part of the principal, interest and fees, which results in the loan being paid in full by the final payment if payments are made on time. Customers who prefer not to come into our stores to make payments or who worry that they may forget to make a payment may choose to have their bank account debited electronically via ACH (the national electronic payment processing network) for their convenience. This is not required, but choosing this option will grant you an improved interest rate.

The Universe Silver® Deposit Account is established by Central Bank of Kansas City, Member FDIC. The Universe Silver Visa® Debit Card is issued by Central Bank of Kansas City pursuant to a license from Visa U.S.A. Inc.