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How Do Title Loans Work?

If you are considering a title loan, we know you are likely in a situation where you need cash quickly. That’s why a title loan from Speedy Cash can typically be completed from start to finish in less than 30 minutes. But before you choose to apply, let’s take a look at the title loan process in detail.

  1. Decide if a Title Loan is Right for You

    Here are a few things you might want to consider before taing out a title loan.

    • Does your reason for needing the loan outweigh the total cost of the loan?
    • Are you confident that you will be able to make the loan payments?
    • Have you considered alternatives such as asking friends or family members or applying for another type of loan?
    If you answered "Yes" to these questions, then Speedy Cash might be able to help!

  2. Arrive in your Vehicle

    If you have determined that you would like to move forward with a title loan, then you can apply at a Speedy Cash location. Bring your vehicle to a participating Speedy Cash location.

  3. Complete an Application

    Our friendly staff will help you submit a loan application. You will need to provide basic contact information, information about your income, and details about your vehicles.

  4. Get Your Vehicle Inspected

    We will do a quick inspection of your vehicle. This process doesn’t take too long, and you are welcome to stand by as we complete the process.

  5. Receive a Lending Decision

    Once your application and inspection have been processed, we’ll provide you with a lending decision. If you’re approved, we will let you know how much you’re approved to borrow.

  6. Review and Sign Documents

    Review and sign your loan documents and drive away with cash and your car!

  7. Repay Over Time

    Repay your loan according to the payment schedule outlined in your loan agreement. Once your loan is paid in full, the lien on your title will be released.

What Vehicles Can Be Used to Get a Title Loan?

Below is a list of the different types of vehicles that can be used to get a title loan from Speedy Cash.

Vehicles Accepted

  • Car
  • Van
  • Motorcycle/Street Bike
  • Motor Home
  • Pickup Truck
  • Trailer (non-freightliner)
  • Limousine
  • Any On-Road Vehicle
  • Titled Boats*

*Title Boats not accepted in Nevada.

Vehicles Not Accepted

  • Watercraft (non-boats)
  • Dune Buggy
  • Four-Wheeler/Quad ATV
  • Electric Car
  • Golf Cart
  • Dump Truck
  • Bus
  • Semi

Title Loan FAQs

How much can I borrow with a title loan?

There are many factors that determine how much you may be approved to borrow with a title loan. Among other factors, Speedy Cash will consider:

  1. Vehicle condition
  2. Value of your vehicle
  3. The state you live in (maximum loan amounts vary by state)
My car isn’t brand new, will I still be able to get title cash?

Speedy Cash considers many factors when conducting an inspection. The main factor in determining value is the condition of the vehicle and not necessarily the model year. As long as you have a vehicle in working condition, then you may be eligible for a title loan.

Can I get a title loan without a clear title?

Are you still making payments on your car? Speedy Cash may still be able to help. Select Speedy Cash locations offer title loans with no clear title required. Rather than providing your clear title, you provide proof of your first (current) lien.

How do I know if I have a clear title?

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

What if I don’t have a clear title?

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.

Does a title loan mean I no longer own my vehicle?

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.

Title Loans Near Me

Apply for title cash at participating Speedy Cash locations. Go directly to a store, or start the process by filling out a short form online.

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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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