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American Title Loans FAQs

American Title Loans FAQs

We are here to help. If the answer to your question is not listed below, please contact us.



+ What is a car title loan?

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.

+ Do I get to keep my car when I get a car title loan?

Yes!



+ How do I get a car title loan?

  1. Fill out the on-line application or apply in person at one of our convenient locations.
  2. Visit one of our stores; bring your car, title, and picture ID (in some states we also need a pay stub).
  3. Sit back and relax while we conduct a 5 minute appraisal to determine the car title loan amount based on your car value and your ability to pay the loan back.
  4. Once your car title loan is approved (usually within 20 minutes), you receive the funds, you leave with your car, and we hold onto the car title.
  5. When the car title loan is paid off, we will give you your car’s title back.

+ Does my car have to be paid off?

Yes. In order to obtain a car title loan the car must be paid off and without any liens listed on the car title.



+ What do I need to get a car title loan?

The requirements are simple. All you need to get a car title loan from American Title Loans is:

  • A Car or Truck
  • Title to the Vehicle
  • State or Government ID
  • Verifiable Income

+ What if I have bad credit?

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.



+ What is the length of the loan contract?

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.

+ Can I get a car title loan if I am on disability, social security or collecting unemployment?

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.



+ Do I have to have a job to get a car title loan?

No! You do not need a job, but you must have a verifiable source of income such as disability, unemployment, retirement income, etc.

+ Can I get a car title loan if I am self-employed?

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.



+ How long does it take to get a car title loan?

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.

+ Do I have to have insurance to get a loan?

No! Other lenders may require this but we don’t!



+ When will I get my title back?

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.

+ How much money can I borrow on my car?

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.



+ What if my car is old or has a lot of miles, can I still get a car title loan?

Yes! At American Title Loans we have no restrictions regarding mileage or age of car.

+ How do I make a payment on my car title loan?

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.



+ Do you take debit cards?

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.

+ Do I have to come into the store to make a payment?

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.



+ What if can’t make a payment?

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.

+ Where can I find American Title Loans?



No Insurance
No Credit Check

It’s true. You do not need insurance or a credit check to get a car title loan from us.

Title Loans in Your Area

American Title Loans offers car title loans across the United States. Visit your local store and get cash today!

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What to Bring

You need to bring in a few things to get a car title loan from us:

Car

CAR

Plus
ID

ID

Plus
Title

TITLE

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.