Title Loans

No Clear Title Needed*

Still Making Payments? No Problem!*

Any Year, Make or Model

*Clear title required at some Speedy Cash locations.

How Do Title Loans Work?

A car title loan from Speedy Cash is a fast and easy way to get cash using your car title. The process to apply for a Speedy Cash title loan 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 requirements 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

*Clear title required at some Speedy Cash locations.

What If I Already Have a Lien on My Car?

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.

Contact your local Speedy Cash to see if a second lien title loan is available near you.

Speedy Cash Reviews

"I just wanted to express my experience when I applied for a title loan at the Harry and Oliver Store. I was very impressed with the customer representative, and the handling of my questions and the paperwork involved with this loan. I was also surprised at the ease of getting the much needed cash so quickly."

- Steven from Wichita, KS

"I was sunk; Speedy came to the rescue [with a] title loan. Today I have food, furnishing & shelter thanks to Speedy Cash. Thank you Speedy Cash."

- Dean from Phoenix, AZ

Actual Customer Testimonials

Title Loan FAQs

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

A: A clear title means that you own your car outright, with no outstanding loans.

A: In some states, Speedy Cash offers 2nd-lien title loans. This means that you could still get a title loan even if you are still making payments or owe money on your vehicle.

A: Even though Speedy Cash would be a lien holder for as long as your loan is open, your car remains in your possession so you can still use your car while you repay your loan. Once you pay the loan in full, the lien is released and your title is again clean and clear.

Have more questions?

Visit our FAQ page.

Car Title Loans Near Me

When you are in a tough financial spot and need to borrow more money than you could pay off on your next pay day, you could qualify for a title loan from Speedy Cash. Car title loans are offered based on the determined value of your vehicle (among other factors) and allow you to borrow money while still driving your vehicle.

Auto title loans are available in many Speedy Cash locations.

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. Same day funding only available for Opt+ cardholders and in-store pickup. Minimum age to apply in Alabama is 19. A single payday advance is typically for two to four weeks. However, borrowers often use these loans over a period of months, which can be expensive. Payday advances are not recommended as long-term financial solutions. Customers with credit difficulties should seek consumer credit counseling.

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.

In 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.

In 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.

CA: 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.

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.

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: Free 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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