The actual loan amount, term, and Annual Percentage Rate of the loan may vary by state. Rates may vary based on individual credit worthiness and other factors.

Do Pawn Shops Do Title Loans? Find Out the Best Way to Borrow

Wondering if pawn shops offer title loans? Learn how they compare to other ways to borrow money with bad credit.

3/13/20252 min read

Wondering if Pawn Shops Offer Title Loans? Learn How They Compare to Other Ways to Borrow Money with Bad Credit

What Are Title Loans?

A title loan is a type of secured loan where you use your vehicle’s title as collateral. Unlike a pawn loan, you don’t have to leave your car with the lender—you keep driving while repaying the loan. These loans are typically short-term and come with higher interest rates, but they offer a fast way to get cash when you need it most.

Do Pawn Shops Offer Title Loans?

Most pawn shops specialize in pawn loans, where they keep an item (like jewelry or electronics) as collateral. Some may offer title loans, but the terms can vary significantly. Instead, many borrowers turn to dedicated title loan lenders for more flexible options. These specialized lenders often provide higher loan amounts, better repayment terms, and online application options, making the process more convenient.

Pros and Cons of Getting a Title Loan at a Pawn Shop

✅ Pros:

Quick cash access
No credit check required
Simple approval process
Available in many locations

❌ Cons:

Higher interest rates compared to online title lenders
Loan amounts may be lower than expected
Not all pawn shops offer title loans
Less flexible repayment terms
May require additional collateral

Best Alternatives to Pawn Shop Title Loans

If you need a better way to borrow money with bad credit, consider these options:

1. Online Title Loans

Apply from home
Get approved in minutes
Competitive rates compared to pawn shops
No need to visit a physical location
Often higher loan amounts available

2. Personal Loans for Bad Credit

Unsecured options available
Fixed repayment terms
Lower interest rates than pawn loans
Can be used for various expenses
Some lenders offer same-day funding

3. Credit Union Loans

Lower fees than traditional lenders
Flexible repayment plans
More borrower-friendly terms
Credit unions may work with lower credit scores
May require membership for eligibility

What to Consider Before Taking a Title Loan

Before choosing a title loan from a pawn shop or an online lender, consider the following:

Interest Rates & Fees: Title loans tend to have high APRs, so always compare rates.
Repayment Terms: Some loans require repayment in 30 days, while others offer installment options.
Loan Amount: Ensure the loan meets your needs without borrowing more than necessary.
Lender Reputation: Read reviews and check for licensing to avoid scams.

The Best Way to Borrow Money with Bad Credit

If you’re looking for a fast and reliable way to borrow money, online title loans are often the better choice. They provide higher loan amounts, competitive rates, and quick approval—without the hassle of visiting a pawn shop. By choosing a lender that offers flexible terms, you can ensure you get the cash you need while keeping repayment manageable.

Need cash now? Apply for an online title loan today and get the funds you need fast!

Get Started

Call us for Quick Qualification

(888) 812-1076!

DISCLOSURES TO CASH LOANS EXPERTS VEHICLE SECURED TITLE LOANS

¹ Upon completion of the call, conditional approval may be given pending the review of documentation.

² Loan approval is subject to meeting credit criteria standards, which may include providing acceptable property as collateral and demonstrating ability to repay the loan.

³ Funding time may vary depending on the time of final approval following the reception and review of all required documents and signing. Same day funding is subject to final approval and signing completion before 3PM PT on a business day. A bank account is required as a condition and in order to obtain a Persona Loan. Loan proceeds may need to be disbursed via Automatic Clearing House (“ACH”) to the borrower’s bank account. The actual availability of funds can vary based on bank processing times, daily ACH deadlines, weekends and holidays.

⁴ Actual loan amount, term, and annual percentage rate the applicant qualifies for may vary by applicant, lender and the law requirements of those terms.

⁵ The states this site services may change without notice. This service does not constitute an offer or solicitation for consumers in all states. This service may not be available in your particular state.

Our loans can be up to $50,000 depending on certain factors.

THIS LOAN (Auto-Tile or Personal Loan) IS NOT INTENDED TO MEET LONG-TERM FINANCIAL NEEDS. Loan proceeds are intended primarily for personal, family, and household purposes. Lenders recommend and encourage consumers to pay early, often and more in order to avoid additional finance charges.

Loan approval is subject to meeting the lender’s credit criteria, which may include providing acceptable property as collateral. Applicant must demonstrate the ability to repay the loan. Loan proceeds are intended primarily for personal, family and household purposes. Minimum loan amounts vary by state.

Loans with an Annual Interest Rate of 36% are limited to loan amounts between $2,500 to $9,999.00, while supplies last.

Cash Loans Experts is licensed or registered as a finance lender as required by applicable state law and does not offer or service student loans. Cash Loans Experts does not provide financial advice and does not guarantee the accuracy of information as it is subject to change without notice about its current product guidelines.

Cash Loans Experts may act as the broker for the loan and may not be the direct lender or servicer of your loan. All loan applications are subject to meeting underwriting and credit criteria, which includes providing acceptable property as collateral. A bank account is required as a condition and in order to obtain a loan. Inquiring for a loan and its minimum requirements does not impact your credit score, however, completing a full application may affect your credit score.

Cash Loans Experts. The terms and conditions set forth within the “General Terms and Conditions, up to and including but limited to the “Wireless Policy” applies to all Cash Loans Experts owned or operated websites in the aforementioned.

Important Information Concerning Procedures for Opening a New Account

To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents. We will make a copy of these identifying documents for our records

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