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Title Loans

Get Cash and Keep Your Car

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Any Year, Make or Model
No Clear Title Needed*
Trustscore 4.6

*clear title required at some Speedy Cash locations

What is a Title Loan?

A title loan is what’s called a “secured loan”. A secured loan? Ah, yes… that means you could borrow cash by providing your vehicle’s title as collateral. This collateral is what secures the loan. When you take out a car title loan, the lender will place a lien on your car’s title. It’s important to understand this step – a lien means that the lender will be on YOUR title. So at this point, you do not own your car outright.

Give me the cliff notes...

  • People with poor credit may be more likely to get approved for a title loan than another type of personal loan because they can use their car title as collateral
  • Based on the value of your vehicle, you may be able to borrow from $100 up to $25,000
  • When you borrow a title loan, your lender’s name will be on your title
  • Your title won’t be released until you pay your loan in full
  • If you miss loan payments, the lender could repossess your vehicle (so it’s important to make payments on time!)

What are reasons to apply for a title loan?

  • Unexpected medical expense
  • Home applicance replacement
  • Need more cash than a payday loan
  • Don’t have accesss to other forms of credit
  • Have poor credit

What are some alternatives to car title loans?

  • Payday Loan: If you are only needing cash to get you by until your next payday, then you might conider a payday loan. However keep in mind that payday loans typically only go up to a max amount of $1,500.
  • Co-Signer: A co-signer might help you qualify for a loan. Co-signers are responsible for the loan if you do not pay it back. So make sure you and the co-signer understand all of the risks before going this route.
  • Explore Ways to Make Extra Money: If time is on your side then you might consider options to supplement your income like selling unwanted items, babysitting or freelancing.

What happens if I can’t make a payment on my title loan?

Since the lender will have placed a lien on your car, they have the right to repossess your vehicle if you default on your loan. If you have a title loan from Speedy Cash and you won’t be able to make a payment, let us know as soon as possible by stopping by a store or calling us at 1-888-333-1360. We may be able to extend your due date, work out a payment plan or refinance your loan. If you don’t contact us to work out one of these options your car could be repossessed.

Title loans are an expensive form of credit. If you have access to cheaper alternatives, that may be in your best interest.

What Do You Need to Get a Car Title Loan?*

    • Vehicle in driving condition
    • Clear title or proof of 1st lien
    • Proof of address
    • Valid ID
    • Proof of vehicle insurance

    *Application requirements vary by lender. Some Speedy Cash locations require a clear title.

  • Title Loans Near Me

Title Loan Resources

Rates & Terms

The rates & terms on title loans offered at Speedy Cash vary by state. Visit your state’s rates & terms page to see details about the title loans offered where you live.

How it Works

Get a detailed, step-by-step look into how title loans work.

Title Loan FAQs

High five for doing your homework! We’ve done our best to answer the most common questions about title loans; take your time reviewing them.

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Product types and maximum loan amounts vary by market. Subject to state regulations, eligibility, credit check, underwriting and approval. Rates, terms and conditions apply. Title loans subject to minimum auto value requirements. See associate for details. Lending decisions and funding times subject to system limitations. Some applications may require additional verification, which can delay the lending decision.

Short term loans should be used for short-term financial needs and not as a long-term financial solution. Customers with credit difficulties should seek credit counseling.

The credit decision on your application may be based in whole or in part on information obtained from a national database including, but not limited to, TransUnion, Equifax, LexisNexis or FactorTrust, Inc.

†Instant funding to a debit card is only available for online loans. Instant funding is not applicable for all debit cards and is not available in New Mexico, Ohio or South Carolina. Subject to system limitations. Some restrictions may apply.

∞Cash advances only available up to approved credit limit; some restrictions may apply.

NOTICE: The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided the applicant has the capacity to enter into a binding contract); because all or part of the applicant's income derives from any public assistance program; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The Federal agency that administers compliance with this law concerning this creditor is the Consumer Financial Protection Bureau, 1700 G Street NW, Washington DC 20006 and the Federal Trade Commission, Equal Credit Opportunity, Washington DC 20580.

Alabama: Minimum age to apply in Alabama is 19.

California: Speedy Cash is licensed by the California Department of Business Oversight pursuant to the California Deferred Deposit Transaction Law. California loans other than deferred deposit loans are issued pursuant to the California Financing Law.

Nevada: The use of check-cashing services, deferred deposit loan services, high-interest loan services or title loan services 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 loan transaction.

New Mexico: Speedy Cash is licensed and regulated by the New Mexico Regulation and Licensing Department, Financial Institutions Division, P.O. Box 25101, 2550 Cerrillos Road, Santa Fe, New Mexico 87504. To report any unresolved problems or complaints, contact the division by telephone at (505) 476-4885 or visit the website http://www.rld.state.nm.us/financialinstitutions/.

Tennessee: The State of Tennessee requires a minimum principal reduction. In order to comply with the minimum state-required principal reduction, Speedy Cash requires that minimum payments include a principal reduction of 2% or $2.50 for Customers who get paid bi-weekly/twice-a-month, or 4% or $5 for Customers who get paid monthly, whichever is greater.

Texas: Speedy Cash operates as a Registered Credit Access Business (CAB). The actual Lender is an unaffiliated third party. Speedy Cash engages in the money transmission and/or currency exchange business as an authorized delegate of MoneyGram Payment Systems, Inc. under Chapter 151 of the Texas Finance Code. If you have a complaint, first contact MoneyGram Payment Systems, Inc. at 1-800-MONEYGRAM. If you still have an unresolved complaint regarding the company’s money transmission or currency exchange activity, please direct your complaint to the Texas Department of Banking: 2601 North Lamar Boulevard, Austin, TX 78705-4294, 1-877-276-5554 (toll free), www.dob.texas.gov.

Opt+: This card is issued by Axiom Bank or Metropolitan Commercial Bank, Member FDIC, pursuant to a license from Visa. Visa is a registered trademark of Visa USA Inc. All trademarks and service marks are property of their respective owners. ATM: No fee withdrawals at any Speedy Cash or Rapid Cash location. Transaction fees will apply for all other ATMs. No charge loads/unloads at Speedy Cash and Rapid Cash locations only.

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