Car, auto & vehicle title loans
Car title loan, auto title loan, vehicle title loan. Three names for the same thing: a loan secured by your vehicle's title. You keep driving your car, your credit score is not the deciding factor, and with our free form, licensed lenders compete to win your loan.
Three names, one loan
Lenders and borrowers use car title loan, auto title loan, and vehicle title loan interchangeably, and there is no difference between them. Whatever you call it, it works the same way: the lender holds your vehicle's title as collateral while you repay, and you keep the car. Trucks, SUVs, and vans qualify too.
How a title loan works
Tell us about your car
Year, make, model, and mileage, plus your income and ZIP. Takes about 60 seconds.
Lenders compete
Licensed lenders in your state review your request and respond with offers.
Pick one, or none
Compare offers and move forward only if one works. Funds often arrive the same day.
Most lenders offer 25%–50% of your vehicle's wholesale value, typically $500 to $25,000 or more, repaid in installments, commonly over 12–36 months. Your vehicle does most of the qualifying, which is why bad credit is usually fine.
What it costs: the honest version
Title loans are high-cost loans: APRs roughly range from 36% to 300% depending on your state and lender. That wide range is exactly why comparing matters. A single storefront quotes you one number; our marketplace makes lenders compete, and competition pushes your rate toward the low end of what your state allows. Checking your rate is free and never affects your credit.
Do you qualify?
- A car, truck, SUV, or van, ideally with a clear or mostly paid-off title
- Steady income of any kind: wages, self-employment, benefits, or retirement
- A government-issued photo ID and proof of residence
Full details on the loan requirements page. Availability depends on your state. See where title loans are legal.
One form. Multiple licensed lenders. Lower rates.
Competition is how you pay less for the same loan.
Check My Rate →Common questions
Is there a difference between a car title loan and an auto title loan?
No, they are the same loan. "Car title loan," "auto title loan," and "vehicle title loan" are interchangeable names for a loan secured by your vehicle's title.
Do I keep my car during the loan?
Yes. You keep and drive your vehicle normally for the entire loan. The lender holds only the title, and repossession is possible only if you default.
What if my car isn't fully paid off?
Some lenders work with vehicles that still carry a small balance, depending on how much equity you have. Answer the form honestly and lenders will tell you what is possible.