Title Loan Lenders: Reviews & Comparisons

Profiles of major title lenders and how to vet any lender before you sign. We are not a lender.

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Title lenders range from national storefront chains to online-only lenders and small local shops. Their prices, rollover policies and repossession practices differ far more than their ads suggest. This page collects our lender profiles and head-to-head comparisons, and explains how to vet any lender before you hand over your title.

About these profiles: Auto Cash Title Loans is not a lender. Our profiles are based on publicly available information such as lender websites, state licensing records and CFPB complaint data. Terms change often, so confirm current rates and availability with the lender and check that it’s licensed in your state.

How to vet a title lender

  1. Check the license. Title lenders must be licensed in the states where they lend. Look the lender up on your state regulator’s website. Online lenders aren’t exempt.
  2. Get the APR and total cost in writing before you hand over documents or your title, and compare at least three offers (how to compare lenders).
  3. Ask about rollovers, prepayment and repossession: Is there a prepayment penalty? How many days late before repossession? Is there a grace period?
  4. Read complaints, not just star ratings: the CFPB complaint database and your state attorney general are more telling than ads (finding legitimate online lenders).
  5. Understand reporting. Will on-time payments be reported to the credit bureaus? Will the lender contact your employer? (credit reporting, employer contact)
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Storefront vs. online lenders

Storefront chains can fund in person the same day and handle the inspection on the spot. Online lenders inspect by photo or video and fund by deposit or card. Neither is automatically cheaper. Online lenders may serve borrowers in more states, while storefronts are limited to where they hold branches. Our comparisons, such as TitleMax vs. LoanMart, go through these trade-offs lender by lender. For a broader list of online options, see online title loan companies.

Researching lenders online at home
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Before you pick a lender

The cheapest title loan is often more expensive than the alternatives: a credit union loan, a secured auto equity loan or a payment plan with the creditor you need to pay. Check our alternatives guide and estimate the true cost with our calculator. If you do go ahead, know your rights before you sign: see our borrower rights guide.

All guides in this section

How to choose a lender

Major lender reviews

Head-to-head comparisons

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.

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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.