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.
Frequently Asked Questions About Car Title Loans
Find out everything you need to know about car title loans—eligibility, repayment, and more.
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 888-927-5506
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 888-927-5506 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.
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“I had a very good experience throughout the entire process! I applied at 9 a.m. and it was already funded at 4 p.m., Carlos was a very nice guy”.
Jim Adams
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"Thank you so much for getting through this loan Adriana, you are the best customer service as I have been for 50 years".
"You guys are the best in customer service. You were on top in explaining to me the process and your attitude was just awesome".
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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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