How Car Title Loans Work

Title Loans Express loans money are based on the value of your vehicle. We have programs in place that gives quick access to the equity you have built in your car.

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Get started on your car title loan by following these 3 steps:

1. Give us a call at 855-303-CASH (2274) or fill out our quick online application form. Once you give us a call or apply online, our loan officer will be in touch with you and answer any questions you may have about the process. You can get approved for your loan in less than 15 minutes!
2. Turn in some important documents. You will need your car title (or your pink slip), your ID, proof of income, proof of residency, as well as your vehicle registration and insurance. The quicker you are able to turn in your papers, the faster you’ll be able to get your money!
3. Get your money! Once we receive your paperwork, you’ll be able to access your loan instantly! Your loan can be wired to your bank account or it can be accessed through MoneyGram, which is available in retailers nationwide.

 

Title Loans Express is here to help you get fast and easy car title loans! If you have any questions about our loan process, feel free to read through our frequently asked questions listed below. If you don’t see your question listed, give us a call today at  855-303-CASH (2274) and our loan officers will be able to walk you through the process and address any concerns you may have!

 

  • How do car title loans work?

    Title Loans Express is here to provide convenient, fast, and easy car title loans for those in need of cash right now. So how does a car title loan work? If you’re the owner of a vehicle and you have the title to your car, you are able to get a car title loan with Title Loans Express! We aim to make the loan process as simple as possible for our customers. Here’s how you get started:

    First, give us a call or apply online and we’ll immediately start on your loan. Our loan officers can even give you a quick quote of your loan estimate, and you’ll find out very quickly whether or not your loan application is accepted.
    After your application is accepted, we will need a few important documents from you. This includes a copy of your car title, your  driver’s license or ID, your registration and insurance papers, proof of income, and proof of residence.
    After you turn in your documents, you’ll be able to get your money right away! We’ll wire your loan to your bank account, or you can access your cash through MoneyGram, which is available in many stores near you.

  • Can you get a title loan on a financed car?

    If you are still paying off your vehicle, you are still able to get a car title loan with Title Loans Express. In order to qualify for the loan, your vehicle must have enough equity value in order to process the loan. Your equity value is mainly determined by the year, make, model, and mileage of your vehicle. If your vehicle does not hold enough equity, then unfortunately, we will not be able to process your loan.

  • Can you get a car title loan without a clear title?

    In most cases, yes. Title Loans Express offers a great amount of flexibility when it comes to this issue. If your title is not under your name, or you are still paying off your vehicle, we can make a special arrangement for your circumstance. You can still get a car title loan with Title Loans Express even in these cases!

  • How much do you get for a car title loan?

    Your loan amount will really depend on the equity value of your vehicle. If your car carries enough value, you will be guaranteed a loan of at least $2,500. We’ve seen some customers receive a loans up to $50,000! To get a proper loan estimate, call us today and our loan officers will be able to give you a quote for your loan immediately!

  • Can I get a title loan on an old car?

    Yes, depending on your car’s equity value. If your vehicle is a classic vintage car and kept in good condition, we will be able to give you a loan off of its worth. If your vehicle is at least 1996 or newer, we will be able to give you a loan based off of the resale value of your car. Title Loans Express is able to provide you with a title loan if you are the owner of a vehicle that carries enough equity.

  • Where can I get a title loan for my car?

    If you’re wondering where you can get a title loan, you’ve come to the right place! Title Loans Express offers fast and convenient car title loans for those who need an immediate cash resource. When we say fast, we mean it! We make our loan process as simple as possible for all our customers. This means no standing in lines, no waiting for a bank teller to service you, no long-winded interviews or background checks, and certainly no piles of complicated paperwork that you need to fill out. Get your loan approved in just minutes with us! Call us today or apply online and get started immediately!

  • How much can I borrow on a car title loan?

    How much you can borrow on your loan is completely dependent upon your car’s equity value. If your vehicle carries enough equity or worth, we are able to give you a loan of at least $2,500! We’ve been able to finance large loans of up to $40,000! So call today and find out how much your car is worth and we’ll be able to give you a quick loan estimate right on the spot!

  • Can I get a car title loan with no job?

    Yes, it is still possible! As long as you have some sort of verifiable income coming in---for example: social security, or disability-- Title Loans Express can make it work. We’re a lender offering as much flexibility as possible to our borrowers, and we understand that when hard times hit, you need a little bit of room to breathe. So don’t get discouraged, give us a call today and we’ll do what we can to get you your loan!

  • Can you have more than one car title loan?

    Each state has varying laws concerning car title loans, so whether or not you can have more than one title loan on your vehicle will depend on your state laws. For this reason, we will be able to provide a second loan on a case-by-case basis. If you are looking for a second car title loan, give us a call and Title Loans Express can help you in your circumstances. We can accommodate your situation and even help you refinance your title loan by giving you a much lower interest rate from your initial car title loan. Give us a call today and see what Title Loans Express can offer you!

  • Does car title loans affect credit?

    Unlike the bank, we are able to offer loans to you regardless of your credit score. The great thing about our car title loans is that you when you make your payments and pay off your loan, you will be able to establish your credit in good standing. However, if you are unable to continue payments and end up defaulting on your car title loan, your credit report may be affected negatively.

  • How do I get a loan for a salvage title car?

    Title Loans Express is able to offer car title loans to you if your car is a salvage vehicle with enough equity. As long your car carries enough value in it, you will have no problems getting a loan with a salvage car. Give us a call today to find out how much your vehicle is worth and your estimated loan amount!

  • What banks will do a car loan with a salvage title?

    Banks will not do a car loan with a salvage title. In fact, banks won’t be able to lend borrowers any money when the borrower has a low credit score, a spotty financial history, low income, or any checks on their credit report. With so many strict regulations, many people are left in the cold without any help. This is why Title Loans Express is able to help out so many customers who are turned away by the banks. So unlike the banks and financial institutions, Title Loans Express is able to offer a car loan with a salvage title. We make what seems impossible, possible for many who are struggling to find a loan. Let us give you a hand today and work with your unique circumstance.

  • How do car title loans work in California?

    In the state of California, car title loans are legal and accessible to all vehicle owners. When you get a car title loan with a vehicle that carries enough equity value, we are able to provide you with loans of at least $2,500! All you will need to do is give us a call to get started on your loan! Our loan officers will be able to give you an immediate estimate of your loan amount and will be able to answer any questions you may have about the process. We will need just a few documents: a copy of your car title, your  driver’s license or ID, your registration and insurance papers, proof of income, and proof of residence. Once we receive your documents, you’ll have access to your loan money right away!

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