Title Loan Guides
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Car Title Loans, Explained Honestly
Plain-English guides to how title loans work, what they really cost, your state’s rules and the cheaper alternatives worth checking first. We’re an information site, not a lender.
- 50 state law guides
- 900+ borrower guides
- ~300% typical title loan APR
- $0 free, not a lender
How Title Loans Work
Four steps, from your title to paying it back. Scroll to follow the car.
-
Check your title
You’ll need a lien-free title in your name, plus photo ID and proof of income. If a bank still holds your title, most title lenders can’t use it.
What you need to qualify -
Compare costs and alternatives
Title loans are legal in roughly half of U.S. states, and rates, fees and terms vary widely. Compare the total you’d repay, and check cheaper options first.
Cheaper alternatives to check first -
Get your cash
Once approved, many lenders fund the same business day. The lender places a lien on your title, and you keep driving your car.
How the process works -
Repay, or risk the car
Pay on schedule and the lien is released. Miss payments and the lender can repossess your vehicle. CFPB research found about 1 in 5 single-payment title loan sequences ended in repossession.
Behind on payments? Know your options
Explore Title Loan Guides
Everything you need to know before you borrow, organized by topic.
How Title Loans Work
The full process from application to funding, explained step by step.
Read guide →
Requirements
The title, ID, income and vehicle documents you need to qualify.
Read guide →
Interest Rates & Costs
How APRs, fees and rollovers add up, and what to watch for.
Read guide →
Loan Calculator
Estimate your payments and total cost before you borrow.
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Alternatives
Lower-cost options worth considering before a title loan.
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Pros & Cons
Weigh the real benefits against the risks of borrowing.
Read guide →What Does a Title Loan Really Cost?
Title loans usually charge a monthly fee, not a yearly rate. Move the sliders to see the total you’d pay back.
Total you’d repay
$1,250
Amount borrowedFees and interest
- Fees and interest
- $250
- Equivalent APR
- 300%
- Each payment
- $1,250
- Payments
- 1
Can’t repay in 30 days? Rolling it over 3 times means paying the fee 4 times: $1,000 in fees, and you still owe the $1,000.
Example only. Real rates, fees and terms depend on your lender and state. For a detailed estimate, use our title loan calculator.
How Title Loans Compare
A title loan is one way to borrow fast. Here’s how it stacks up against other short-term options.
| Feature | Title loan | Payday loan | Credit union PAL | Personal loan |
|---|---|---|---|---|
| Collateral | Your vehicle title | Your next paycheck or bank access | None | Usually none |
| Credit check | Often not required | Often not required | Varies; credit union membership required | Yes |
| Typical cost | Often 100%–300% APR | Often around 400% APR | Interest capped at 28%, plus up to a $20 fee | Depends on your credit |
| How fast | Often same day | Same or next day | Usually a few days | Often 1–7 days |
| If you can’t pay | Car can be repossessed | Fees, collections, bank overdrafts | Fees, credit damage | Fees, credit damage |
PAL interest-rate cap and fee limit set by the NCUA. Typical APRs are general ranges; your state may cap rates lower or ban some products. See alternatives to title loans.
Title Loans by State
Title loan laws vary by state. Select your state to see local requirements, rates, and regulations.
- Legal
- Restricted
- Not permitted
Latest Title Loan Guides
Expert guides to help you make informed decisions about title loans
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Have a Question About a Title Loan?
Tell us your situation and we will point you to your state's rules and the options worth comparing, including cheaper alternatives. We are an information site, not a lender.
Ask Us a QuestionFrequently Asked Questions
A title loan is a short-term secured loan where borrowers use their vehicle title as collateral. You can borrow a percentage of your vehicle's value while still keeping and driving your car during the loan period.
Title loan amounts typically range from $100 to $50,000, depending on your vehicle's value, your state's regulations, and the lender. Most lenders offer 25% to 50% of your car's current market value.
Generally you need: a clear (lien-free) vehicle title in your name, a government-issued photo ID, proof of income or ability to repay, and the vehicle itself for inspection. Requirements vary by state.
Yes. With a title loan, the lender holds your title as collateral but you keep possession of your vehicle and can continue driving it as normal throughout the loan period.
Many title loan lenders can approve and fund your loan within the same business day, sometimes in as little as 30 minutes. Online applications may take 1-2 business days for funding.
No. Title loan regulations vary significantly by state. Some states allow them with few restrictions, others have strict regulations on rates and terms, and some states have banned title loans entirely. Check our state-by-state guide for details.
Important Disclosure
Auto Cash Title Loans is not a lender, does not broker loans, and does not make loan or credit decisions. This website does not constitute an offer or solicitation to lend. We may receive compensation from affiliate partners for referrals.
APR rates vary by state and lender. Typical APR for title loans ranges from 25% to 300%. Please review your loan terms carefully before accepting any offer.