A car title loan is a short-term loan designed to get you fast, easy cash using your vehicle as collateral. The loan is essentially unlocking the equity in your paid-off vehicle.
Yes. In order to obtain a car title loan the car must be paid off and without any liens listed on the car title.
The requirements are simple. All you need to get a car title loan from American Title Loans is:
No problem! If you have bad credit it does not matter. Bad credit, no credit or good credit makes no difference – we do not check your credit to get a loan and we do not report your loan to any credit agencies.
Depends on the state and local rules. Rest assured we will work with you to create a loan, within the parameters allowed, that works for your circumstances. Call your local store for specifics for your area.
Yes! You do not have to be employed to get a car title loan, but you do have to have a source of verifiable income such as disability, unemployment, retirement income, etc, and enough disposable income to pay off the loan.
No! You do not need a job, but you must have a verifiable source of income such as disability, unemployment, retirement income, etc.
Yes! Because we will need to verify that you have income, our representative will work with you in obtaining the information needed to satisfy the legal verification requirements.
The typical time is less than 30 minutes; from the time you walk into our store, to the time you walk out with your funds.
No! Other lenders may require this but we don’t!
In most instances you will get your car title back when you pay off the car title loan. One exception may be if we haven’t received your car title back from the DMV. When you get a loan from American Title Loans, we send your car title to the state DMV to list our company as lien holders. In some states it can take up to a few weeks for the DMV to add us as a lien holder and send the car title back to us.
The maximum loan amount depends on the state and local laws. Where allowed, we can loan up to $25,000. The maximum loan amount is based local and state regulations, the value of your car and your ability to repay the loan.
Yes! At American Title Loans we have no restrictions regarding mileage or age of car.
American Title Loans accepts cash, money orders, cashier’s checks and in many states, debit cards. Paying with a debit card saves you a trip into the store to make your payment as process your payment over the phone. Some stores may require a processing fee for debit card transactions.
Yes! Most lenders don’t accept debit cards, but we do! You can set up automatic monthly payments if you choose, or you can call in with your debit card information and make your payment over the phone. Some stores may require a processing fee for debit card transactions.
No! If you are using a debit card for payment, you can call in with your debit card information and make your payment over the phone or you can set up automatic monthly payments using your card. Some stores may require a processing fee for debit card transactions.
Life happens. Things happen. We understand that. If you find yourself short one month, call us, we will do everything we can to work with you and your circumstances.
It’s true. You do not need insurance or a credit check to get a car title loan from us.
American Title Loans offers car title loans across the United States. Visit your local store and get cash today!
You need to bring in a few things to get a car title loan from us:
We don’t check credit or require insurance. Nobody makes it easier!
* Loan approval subject to vehicle inspection, income verification, application approval and state specific guidelines. You must be at least 18 years of age.