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Title Loans

No Clear Title Needed*

Still Making Payments? No Problem!*

Any Year, Make or Model

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*Clear title required at some Speedy Cash locations.

How it Works

FAQs

How Do Title Loans Work?

A car title loan from Speedy Cash is a fast and easy way to get cash using your vehicle’s title. Are you short on time? A title loan from Speedy Cash can be completed from start to finish in less than 30 minutes. Here's what you can expect:

Ready to Apply? Here’s What to Bring

Title loan requisites may vary by location, but you can start your title loan application with the following items:

  • Vehicle in driving condition

  • Clear title or proof of 1st lien*

  • Proof of address

  • Valid ID

  • Proof of vehicle insurance

*Some Speedy Cash locations require a clear title.

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Title Loan FAQs

A: A title loan allows you to use your car title as collateral as a quick and easy way to get emergency cash.

A: Large home repair, unexpected medical expense, or need to replace an appliance? The list goes on and on. At Speedy Cash, we offer title loans that provide a larger sum than our other personal loan options (up to $25,000!) and give you the freedom to pay the loan back overtime. The best part is – you are still in possession of your vehicle throughout the lifetime of the loan!

A: Having a clear title means you are no longer making payments on your car, therefore you are the sole owner of your vehicle.

A: Still making payments on your vehicle? Depending on your state, Speedy Cash may offer 2nd-lien title loans for vehicles that do not currently have a clear title.

A: In some stores, Speedy Cash offers what is called a second lien title loan. This allows you to borrow money using your vehicle, even if you’re still making payments on your car.

A: With a title loan from Speedy Cash, you remain in possession of your vehicle while you repay your loan. Speedy Cash is listed as a lien holder only for the duration of your loan. The lien is removed and your title is cleared after you have repaid your loan in full.

Have more questions?

Visit our FAQ page.

Car Title Loans Near Me

There’s cash in your car! That’s right – your vehicle is worth some cold hard cash. If you find yourself in a financial bind, stop by one of our Speedy Cash locations. Our easy, fast & friendly title loan application process could provide you with cash in no time!

Auto title loans are available in many Speedy Cash stores.

Title Loans

We understand that sometimes life happens. This could mean facing utility service interruptions or difficulty affording your family’s groceries. If you can’t wait until your next pay day or a payday loan is simply not enough cash for your needs, a title loan could be the answer for you. By using your car’s title as collateral, you have the potential to receive higher loan amounts than a typical payday loan, keep a longer repayment schedule, and your vehicle remains in your possession while you continue to repay. Depending on where you live, you might not even need a clear title!

Title loans are a way to get a large sum of cash fast using your vehicle’s title. The best part? You are still able to drive away with your car (and cash!). Throughout the course of the loan, you are the owner of the vehicle. Worried because you don’t have a clear title (aka it’s not paid off yet)? No worries! Many Speedy Cash locations offer loans for vehicles without a clear title. Another great offering with a title loan is the ability to pay the loan back over time. We match payment dates with your pay periods and outline a clear payment schedule so you know what it takes to pay back your loan. Ready to get started? Find your nearest store to apply today.

Subject to state regulations, eligibility, credit check, underwriting and approval. Rates, terms and conditions apply. Installment 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. Same day funding only available for Opt+ cardholders and in-store pickup.

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. Installment Title Loans subject to minimum auto value requirements.

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/.

Ohio: SCIL, Inc. dba Speedy Cash, is a registered Ohio Credit Services Organization (CS.900174.000) operating pursuant to the Ohio Credit Services Organization Act. The actual lender is an unaffiliated third party. The Ohio laws against discrimination require that all creditors make credit equally available to all credit worthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio civil rights commission administers compliance with this law.

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 business as an authorized delegate of Western Union Financial Services, Inc. under Chapter 151 of the Texas Finance Code. Speedy Cash engages in the money transmission and/or currency exchange business as an authorized delegate of MoneyGram Payment Systems, Inc. and Western Union Financial Services under Chapter 151 of the Texas Finance Code.

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.

Google Play is a trademark of Google Inc. Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc. Data rates may apply.

Customer Notice:
There are a wide variety of loan products available in the marketplace, so your choice of lending products should match your financial needs. Small-dollar loans used over a long period of time can be expensive.