Frequently asked questions

What is a car title loan, and how does it work?

A car title loan is a short-term loan based on the resale value of your car. This loan only takes the title as collateral, allowing you to keep and drive the car. You repay the loan monthly, and once you do so, the lender gives your car title back. Click here for more information.

How can I apply for a title loan?

You can apply online by submitting your car and contact information on the form located on the home page. You can also call us directly, where one of our customer service agents will gladly assist you and register your information. Once you apply, we will verify some basic details like a government-issued ID and proof of income to offer you an instant loan. Are you ready to get a Car Title Loan? click here to fill out the application or call us at 888-812-1076.

Is there any charge for applying for a car title loan?

There are no charges or hidden fees. You can apply and get a free quote in minutes! Just click here to fill out the application.

What are the requirements for a car title loan?

The requirements may vary depending on the client since we work on a case-by-case basis. We usually only require the car title, proof of income like pay stubs or bank receipts, valid ID, and a comprehensive insurance policy.

How fast can I get an answer?

Once we receive your information, we will provide you with a pre-approved loan amount in minutes.

If approved, how quickly can I get the money?

If you help us with the required documents, we can send the money directly into your account in a business day or even less.

Can I still apply even with bad credit?

Of course! Good credit is not a primary requirement. We encourage every customer, regardless of their credit history or past loan defaults, to apply and see how much money they can get with their car’s equity and proof of income.

Is my personal information safe with Cash Loans Experts?

Yes. We have very strict privacy policies to ensure your safety. All submitted information is confidential and only necessary to proceed with the loan application and offer. We take your privacy seriously, taking all essential precautions to protect our borrower's information and adhering to all industry rules to ensure security. We invite you to check out our Do not sell my info and Privacy Policy if you have more questions.

Do you still check credit for a car title loan?

Yes, although it is not our main concern, we do run a standard credit check just to verify the customer profile.

How can I make the loan payments?

Loan payments can be automated with your authorization, by phone, or online through a link we send you.

Can I make early payments?

Yes. There are no penalty fees or extra charges if you have some extra cash to use as payment. You can make early or additional payments to save money on interest rates.

What happens if I can't make the loan payments anymore?

If you stop making payments for your car title loan, you may be at risk of defaulting and having your car repossessed. If you find yourself in that situation, we recommend contacting our team to help you avoid a repossession. Please dial 888-812-1076 and get assistance as soon as possible.

Can my vehicle get repossessed if I stop making the loan payments?

Yes, although it is the worst-case scenario and the last thing we want to do as a car title loan company. Repossessing a car takes a lot of time and expenses, so if you need help, do not hesitate to contact our team and see the best solution. We can help you refinance a title loan to lower the payments and help you out. We invite you to visit our Refinance Title Loans webpage for more information.