Looking to borrow some money quickly? Sure, banks might not be approving you for loans, but with an online title loan, getting the funds you need is easier than you think. You can use your vehicle’s title as collateral, and get up to 50 percent of its market value upfront!
The best part is, your credit score doesn’t even matter. Since these are secured loans, all you need to have is a vehicle lien-free in your name. Some lenders even let you keep using your car, motorcycle, or truck, while you’re still repaying the loan. If you ask us, that is a great deal.
However, as easy as it may sound, there are a few things you should keep in mind before choosing this loan option. Title loans are often high-interest, and come with shorter repayment periods. It is important to get them only from trusted sources, at terms that are favourable for you.
In this guide, we have explained what a title loan is, how it works, and what the obligations are. We’ve also mentioned some of the best lenders in 2025. The article will give you a detailed idea about quick cash loans and help you decide whether they’re best for your situation.
What are title loans? How do they work?
Title loans are short-term, secured loans that help you borrow money against your vehicle’s title. The lender will place a lien on your vehicle’s title, and hold it until the loan is repaid. Generally, you can get 25-50% of your car’s market value, depending on its make, model, year, and condition.
Repayment periods are often short, with most title loans due in just 30 days. So, you get the funds in full, and you need to repay in full as well. If you fail to clear your debt by the due date, the lender may offer to refinance (rollover) your loan. But this comes at a higher interest rate.
Therefore, defaulting on your loan could mean losing your vehicle. The lender owns the rights to repossess or sell your vehicle to retrieve their loss. Title loans also have high interest rates and unfavourable, subprime lending terms.
What do I need to qualify for an online title loan?
For getting a title loan online, you need to own a fully paid-off vehicle. The documents required are basic, often just for identification, or for checking your creditworthiness:
- Photo ID (driving license, passport, military ID)
- Vehicle photos in lieu of an in-person inspection
- Income proof (bank statements, pay stubs)
- Residence proof (utility bills, rental agreement)
- Clear, lien-free title of the vehicle in your name
- The vehicle must be registered
- Proof of auto insurance
- VIN (vehicle identification number)
Can I get a title loan with bad credit?
Many lenders offer title loans for bad credit. So, there will be no credit checks, and you can borrow the loan solely by using your car as collateral. Even if a credit check is performed, having a not-so-perfect credit score won’t automatically disqualify you. The lender has security, which makes them trust in your ability to repay. While the interest rates are higher than bank loans, they’re comparatively much more affordable compared to other high-interest loans like payday loans.
How do I apply for a title loan online?
For getting no credit check title loans online, go to the lender’s website and fill up an online application form. They will look at the details and decide whether to approve you or not. If approved, you’ll receive a fine print or loan agreement, entailing the terms and costs of your loan.
You can read this document carefully to decide if you wish to proceed. Once you sign the contract for the loan, you will hand over your vehicle’s title to the lender for collateral. Some lenders may let you keep using the vehicle while you’re still repaying the loan, while others may not. So, read the terms of your loan carefully before signing any documents.
How long does it take to get approved?
How long you’ll need to wait before getting approved varies from lender to lender. Some lenders approve you in just 30 minutes, while others may take a couple of hours. Even if you’re okay with visiting a lender’s storefront, the approval process can still take some time.
How much can I borrow with a title loan?
Usually, you can borrow $100 to $10,000 with a title loan. Borrowing even more is possible, if your vehicle’s value turns out to be more. Whatever your car’s market value is, let’s say it is $16,000, you’ll be able to borrow 25-50 percent of it. In this case, you can borrow up to $8,000.
What are the interest rates for online title loans?
On average, the interest rates for title emergency loans often exceed annual percentage rates (APR) of 300 percent. The exact rates depend on the state’s laws, the lender, and your credit history too. As long as you repay the loan quickly, the interest costs will be lower.
How long do I have to repay a title loan?
Since these bad credit loans are short-term loans, you’ll mostly see repayment terms that are no longer than 30 days. Sure, some lenders do offer longer repayment periods, but you’ll have to research your options before choosing any loan offer.
What happens if I can’t repay on time?
If you fail to repay your title loan on time, the lender may do one of the 2 things—offer to rollover your loan into a new one, at a higher interest rate, or repossess your vehicle. Both of these consequences are not favourable for you. Which is why, you must always try to repay your loan. If you’re not confident about the repayment, it’s best not to take the loan.
Best Rate Check: Find the best title loan lenders
When we mentioned that title loans come with high interest rates and rigid repayment periods, we didn’t mean all lenders do that. Some lenders limit their APRs to 36 percent and offer longer repayment terms up to 72 months. Where will you find these lenders?
Apply with Best Rate Check. Here, you’ll be able to get pre-approved with multiple title loan lenders in just a few minutes. Bad lenders are automatically filtered out, so you can have the most competitive interest rates and flexible repayment terms. Then, you can compare to select the best offer that gives you the money you need, while also avoiding a debt trap.
Best lenders for bad credit title loans in 2025
| Lender | Service Area | Interest Rate (APR) | Repayment Period | Loan Amount |
| Texas Title Loans | Primarily Texas; some online reach | 250%-400% | 30-60 days | $1K - $15K |
| Credit Ninja | Online (multi‑state) | 300%-500% | 30-90 days | $1K - $10K |
| TitleMax | 35+ states (in‑person & online) | 300%-500% | 30 days (renewable up to 90) | $1K - $20K |
| Auto Money | Multi‑state (online & physical) | 300%-600% | 30-60 days | $1K - $15K |
| EZ Car Title Loans | Select states (online & branch) | 300%-500% | 30-90 days | $1K - $15K |
| Presto Auto Loans | Online (nationwide) | 300%-550% | 30-90 days | $1K - $10K |
| 5 Star Loans | Regional focus with online options | 300%-500% | 30-60 days | $1K - $10K |
| Champion Cash Loans | Select states (online & storefront) | 300%-500% | 30-90 days | $1K - $15K |
| Title Bucks | Nationwide (online strong) | 300%-600% | 30 days (extendable) | $1K - $15K |
| VIP Title Loans | Several states (online & regional) | 300%-500% | 30-90 days | $1K - $15K |
| Montana Capital | Primarily Montana & neighbors | 250%-400% | 30-90 days | $1K - $20K |
| Advance America | Nationwide (in‑person & online) | 300%-500% | 30-120 days | $1K - $10K |
| Greenday Online | Nationwide online | 300%-500% | 30-90 days | $1K - $15K |
Are there other alternatives I should consider?
If your credit score is great, you can keep taking title loans online as a last option. We suggest you first explore personal loans online. The interest rates are lower, and since personal loans are unsecured, there won’t be a risk of losing your vehicle if you’re unable to repay the loan. Moreover, you can enjoy longer repayment periods and higher amounts.
Frequently Asked Questions
Vehicles like cars, trucks, motorcycles, RVs (like ATV or boats), and in some cases, commercial trucks, vans, and heavy machinery can be used for getting a title loan. Usually, trucks and SUVs hold a significant value because of their size and versatility in use.
Some lenders may approve you for a title loan even if it is not fully paid off. However, there are a few factors that matter—like your vehicle’s resale value, and the equity you have in the car.
Whether or not you need to visit a lender’s store for getting a title loan depends on the lender you’re choosing. Some lenders may be satisfied with the pictures of your vehicle, while others may still need to perform a physical inspection.
