Car Title Loans
Borrow against your vehicle's equity through participating independent lenders, keep driving your car, and get a decision from the lender you are matched with. Loans Inc is not a lender. We connect consumers with participating independent lenders. We do not make credit decisions, set rates, or determine loan terms.
Important: Loans Inc is not a lender. We connect consumers with participating independent lenders. We do not make credit decisions, set rates, or determine loan terms.
A title loan is secured by your vehicle. If you do not repay according to the loan agreement, the lender may repossess your vehicle. Late or missed payments may be reported and may affect your credit. Rates and terms vary by lender and state. Lower-cost options may be available; see our guide to alternatives.
When you submit the form, your information is sent to participating lenders so they can decide whether to make you an offer. Applying is free and does not obligate you. How our matching service works.
How it works, in plain terms
Who We Are
A Referral Service, Not a Lender
Loans Inc was founded in 2017 to help people with less-than-perfect credit find lenders willing to consider them. Loans Inc is not a lender. We connect consumers with participating independent lenders. We do not make credit decisions, set rates, or determine loan terms. When you apply through our site, we connect you with participating independent lenders that offer title loans and installment loans in your state. The lender makes every decision about your application and your loan terms. Loan amounts up to $25,000, depending on your vehicle's value, your state, and the lender you are matched with.
A car title loan is a collateral-based, short-term loan that uses your vehicle's equity as security. When you apply, the lender assesses your vehicle's fair market value using industry-standard valuation guides. Your approved loan amount is typically calculated as a percentage of that value, a process known as a loan-to-value ratio assessment. A lien is then placed on your vehicle title for the duration of the loan. You retain possession of your car and keep driving it throughout the repayment period, but the lender may repossess the vehicle if you default. The lien is released once your outstanding balance is paid off.
Lenders in our network work with a wide range of borrowers, including people who have been turned down by traditional banks and households facing emergency expenses such as medical bills, utility shutoffs, rent, or urgent vehicle repairs. Because approval is based primarily on vehicle equity, a title loan may be an option when conventional lending is unavailable or too slow. Rates, fees, and repayment terms are set by the lender you are matched with and vary by state. Before you sign, the lender will give you a full written disclosure of the APR, fees, payment schedule, and total cost. Loans Inc does not set or guarantee any loan terms.
Simple Process
How It Works in 3 Steps
No dealership visits. No obligation.
Apply in About 2 Minutes
Submit your online application with basic vehicle details: year, make, model, mileage, and VIN. Our process is fully digital and takes about two minutes from any device. You can apply from home, work, or anywhere with an internet connection.
The Lender Reviews Your Vehicle
The lender you are matched with evaluates your vehicle's fair market value using Kelley Blue Book, NADA guides, or comparable valuation tools, along with your ability to repay. The lender decides whether to approve your application and tells you the loan amount, rate, fees, and repayment terms in writing. You may be asked to provide photos of the exterior, interior, odometer, and VIN plate for a remote vehicle inspection.
Receive Your Funds
Once your loan agreement is signed and reviewed, a lien is placed on your vehicle title as collateral. Many lenders in our network can fund approved loans as soon as the same business day. Timing depends on the lender's approval, when you apply, document verification, and your bank's processing. Funds are typically disbursed by ACH direct deposit to your bank account. You keep driving your car during the loan term, and the lender may repossess the vehicle if you default. Upon full payoff, the lien is released and your clean title is returned to you.
Read This First
Before You Apply
What to Know Before You Apply
- Who we are: Loans Inc is not a lender. We connect consumers with participating independent lenders. We do not make credit decisions, set rates, or determine loan terms.
- Vehicle risk: A title loan is secured by your vehicle. If you do not repay according to the loan agreement, the lender may repossess your vehicle. Late or missed payments may be reported and may affect your credit.
- Cost: Rates, fees, and repayment terms are set by the lender you are matched with and vary by state. Before you sign, the lender will give you a full written disclosure of the APR, fees, payment schedule, and total cost. Loans Inc does not set or guarantee any loan terms.
- Funding: Many lenders in our network can fund approved loans as soon as the same business day. Timing depends on the lender's approval, when you apply, document verification, and your bank's processing.
- Other options: Lower-cost options may be available. Compare them in our guide to title loan alternatives.
- Your information: When you apply, your application is sent to participating lenders. Read how our matching service works and the difference between a direct lender, a broker, and a lead generator.
Loans, Inc · 495 N IL Route 21, Ste 111, Gurnee, IL 60031 · 847-558-2405 · customersupport@loansinc.com
Know Before You Borrow
Is a Title Loan Right for You?
Title loans are a high-cost, short-term option that some borrowers use for emergency expenses. They are a secured, lien-based product that comes with real financial responsibilities and a real risk of losing your vehicle. Understanding the terms before you apply is essential.
Who Typically Qualifies
You may qualify for a car title loan if you own your vehicle outright with a clear, lien-free title in your name, can show a regular source of income, and live in a state where title loans are available. Lenders focus on your vehicle’s fair market value and available equity to determine your maximum loan amount. Eligible vehicles typically include cars, trucks, SUVs, and motorcycles in working and verifiable condition. Approval is never guaranteed and is decided by the lender.
What You Should Understand
Title loans are collateral-based, short-term loans. A lien is placed on your vehicle title for the duration of the repayment term. Loan terms, APR, repayment schedule, origination fees, and total cost of borrowing vary based on state regulations and individual lender requirements. Federal law (the Truth in Lending Act and Regulation Z) requires the lender to give you the APR, finance charge, and total of payments in writing before you sign. You may also have a rescission period, allowing you to cancel the loan agreement without penalty, where applicable under state law.
Consumer Protections
Lenders in our network are responsible for complying with the laws of your state and with federal requirements, including Truth in Lending Act disclosures. Failure to repay according to your loan agreement may result in vehicle repossession. If you are struggling with repayment, contact your lender immediately; whether an extension, a payment plan, or refinancing is available depends on the lender and your state's law. For independent consumer guidance, visit the Consumer Financial Protection Bureau.
Loan amounts, APR, and repayment terms vary by lender and state. Failure to repay may result in vehicle repossession. We encourage you to borrow only what you are confident you can repay according to the agreed schedule. If a title loan may not be the right option for your situation, you can explore our loan alternatives to compare other potential financing solutions.
Eligible Collateral
What Vehicles Qualify for a Car Title Loan?
Most personal-use vehicles with a clear, lien-free title qualify for a car title loan. Here is what lenders in our network typically accept.
🚗 Cars & Sedans
Most makes and models qualify, domestic and foreign. Vehicles are assessed by year, make, model, mileage, and current condition. The amount a lender offers depends on the vehicle's current market value and the lender's loan-to-value policy.
🚛 Trucks & SUVs
Four-wheel-drive trucks and SUVs are among the most commonly accepted vehicles and often qualify for higher loan amounts due to strong resale values, particularly in states where these vehicles are in high demand. Pickup trucks, full-size SUVs, and crossovers in good condition may qualify for higher amounts because of their resale value.
🏍️ Motorcycles & RVs
Many lenders in our network also accept motorcycles, recreational vehicles, and other titled personal-use vehicles. Eligibility and loan amounts vary by lender and state. The vehicle must have a clean title in the borrower's name, be available for photo or in-person inspection, and have verifiable equity based on current market conditions.
Common Questions
Frequently Asked Questions
What to know about applying for a car title loan through Loans Inc.
Do I need good credit to qualify?
Title lenders generally base the decision on your vehicle's value and your ability to repay; each lender sets its own criteria. Because the loan is secured by your vehicle's title, lenders focus on your vehicle's fair market value, your equity, and your demonstrated ability to repay through regular income. Each lender sets its own requirements, and approval is decided by the lender.
How is my loan amount determined?
Your maximum loan amount is based on your vehicle's current fair market value as assessed by industry-standard valuation guides such as Kelley Blue Book or NADA. Lenders typically offer a percentage of that value, the loan-to-value ratio, which accounts for their risk exposure. Factors that influence your vehicle's assessed value include the year, make, model, trim level, current mileage, mechanical condition, body condition, and local market demand for your vehicle type. Amounts also depend on your state's rules and the lender's policies.
How quickly will I receive my funds?
Many lenders in our network can fund approved loans as soon as the same business day. Timing depends on the lender's approval, when you apply, document verification, and your bank's processing. Funds are typically disbursed by ACH direct deposit to your bank account. In some cases, next-business-day deposit is the timeline, depending on when the loan agreement is finalized and your bank's processing schedule.
Can I keep driving my car during the loan?
Usually, yes. When you take out a title loan, the lender places a lien on your title; you keep possession of the vehicle and continue using it for work, family, and daily errands during the repayment period. The lender can repossess the vehicle if you default on the agreement. Once your outstanding balance is paid in full, the lien is released and your clean title is returned to you.
What happens if I can't repay on time?
If you are unable to make a scheduled payment, contact your lender immediately rather than falling behind without communication. Some lenders may offer a payment plan, an extension, or refinancing; whether these are available depends on the lender and your state's law. However, if you default and fail to make arrangements, the lender has the legal right to repossess your vehicle to recover the outstanding balance. Late or missed payments may also be reported and may affect your credit. Acting proactively gives you the best chance of keeping your vehicle and resolving the situation without repossession.
What documents do I need to apply?
Lenders typically ask for a clear vehicle title in your name with no existing liens, a valid government-issued photo ID such as a driver's license or state ID, and documentation of regular income such as recent pay stubs, bank statements, or benefit award letters. Proof of state residency, such as a utility bill, lease agreement, or bank statement showing your current address, is also typically required. Your vehicle must be available for photo or in-person inspection so the lender can verify its condition and current market value.
Availability
Title Loans in Your State
Availability, loan amounts, and terms depend on your state's laws and on the lender you are matched with. Title loans are not available in every state. Choose your state to see what is available and how title loans are regulated there.
Click your state for details.
Title loans are not available through Loans Inc in Arkansas, Colorado, Indiana, Michigan, Nebraska, New Jersey, Oklahoma, Washington, Wyoming. Each page explains what that state's law allows and lists lower-cost options.
Ready to Apply?
Apply in about two minutes with no obligation. We connect you with participating independent lenders who review your application and decide your loan amount, rate, and terms. Loan amounts up to $25,000, depending on your vehicle's value, your state, and the lender you are matched with.
Apply Now — It's Free →Loans Inc is not a lender. We connect consumers with participating independent lenders. We do not make credit decisions, set rates, or determine loan terms. Loan amounts, APR, and terms vary by lender and state. Not available in all states. Failure to repay may result in vehicle repossession.