Title loans with bad credit
Denied by the bank? With a title loan, your car does the qualifying, not your credit score. Lenders look at your vehicle's value and your income, so poor credit, thin credit, even past bankruptcy usually are not dealbreakers.
Why bad credit is usually fine
A title loan is secured by your vehicle. That collateral is the lender's protection, so they do not need a strong credit history to say yes. What they actually verify: that the title is in your name, what the vehicle is worth, and that you have income to make the payments. Wages, self-employment, benefits, and retirement all count.
Checking your rate will not hurt your score
Our form never triggers a hard credit inquiry. Most lenders in our network use soft checks (invisible to other lenders, no score impact) or skip the credit pull entirely at the quoting stage. If a lender needs a hard inquiry before finalizing a loan, they must tell you first, and you decide whether to proceed.
Borrow carefully: a note from us
Bad-credit borrowers get targeted with bad deals. Two rules protect you: never take the first quote (that is what our marketplace is for, since competition lowers rates), and borrow only what you need with a payment that fits your budget. Repaying a title loan on time can also be a step toward rebuilding, since some lenders report positive payment history.
Your score already took enough hits
Checking your rate here never touches your credit.
Check My Rate · No Credit Impact →Common questions
Can I get a title loan with a credit score under 500?
Usually, yes. Title loan approval is based on your vehicle's value and your income, not your score. Many approved borrowers have scores banks would decline instantly.
Will applying hurt my credit score?
No. Our form never affects your credit. Some lenders may run a hard inquiry later, before finalizing your loan, and they are required to tell you before that happens.
Can I qualify after a bankruptcy or repossession?
Often, yes, as long as the title to your current vehicle is in your name and you have steady income. Each lender sets its own rules, which is another reason to compare several.