Online Car Title Loans

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Personal Loans from $1K–$5K
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$5,000
I want to borrow
$1,000
$5,000

Are you strapped for cash?

If you own your own car or motorcycle and have a clear title, meaning your vehicle is paid off, you may qualify for an auto title loan through one of LendGenius’ preferred lenders.

Basically, it means you can borrow against the value of your auto or motorcycle by putting up your title as collateral.

Get the money you need now while the lender holds onto your title (and you get to keep using your car!)

In certain states, such as Georgia and Alabama, these are known as a title pawn, but it basically works the same – you put up the title of your vehicle as collateral in exchange for a quick and hassle-free loan.

Borrowing against the value of your car or motorcycle is one way to pay off an unexpected bill, or if you need a short-term cash infusion to help you get by until your next paycheck arrives.

Here’s how it works:

How to Get an Auto Title Loan Based on the Value of Your Vehicle

First, you will need to fill out our online form so we can connect you with an appropriate lender.

Depending on what state you live in and your ability to repay, you could potentially qualify to borrow up to $25,000.

If you are approved and you decide you want to proceed with getting a title loan, a lender will likely need the following:

  • A government-issued photo ID.
  • Proof of income.
  • The title to your vehicle.

At that point, they can lend you the money and hang on to your vehicle title until you have repaid the loan in full.

You still have full use of your car and, once the loan is repaid, you get your title back.

Auto equity loans are an option for people who own their car or motorcycle outright and need fast access to cash, but don’t want to sell their vehicle.

Instead, you can get the money you need by borrowing against the value of your car.

How Are My Payment Terms Determined?

The first step is getting an appraisal of your vehicle, which is fast and easy.

This involves just answering a few questions about your car or motorcycle, either online or over the phone.

The lender will determine how much you are eligible to borrow based on the value of your vehicle.

Keep in mind, payment terms and amounts will vary based on how much you’re borrowing.

It is possible by completing our online form that you will connect with a lender online for an auto title loan.

The Advantages of a Loan on Your Vehicle Title vs. a Bank Loan

When you apply for a traditional bank loan, banks are going to look at your credit history to determine how much of a loan you might qualify for and what your interest rate will be.

While that may be fine for people with good credit, it’s a different story for those with bad credit, or no credit at all.

Even if you are approved for a loan, it is likely to carry a high interest rate.

Worse yet, you may not qualify at all!

On the other hand, if you use your car as collateral, your credit history doesn’t matter as much.

The amount of the loan you can qualify for is based on the value of your car, not your credit.

This makes a loan based on your title a choice for people whose credit score is less than perfect, or who haven’t yet built up a credit history.

You don’t even need a bank account – just the title to the vehicle you want to use to get a loan.

Want to get started?

Fill out our form to connect with a lender, wait for their approval, and then accept a loan with terms that make sense. 

It’s just that simple!

Need Cash? Get a Personal Loan Today

$5,000
I want to borrow
$1,000
$5,000


Important Disclosures. Please Read Carefully.

Persons facing serious financial difficulties should consider other alternatives or should seek out professional financial advice.

This website is not an offer to lend. Lendgenius.com is not a lender or lending partner and does not make loan or credit decisions. Lendgenius.com connects interested persons with a lender or lending partner from its network of approved lenders and lending partners. Lendgenius.com does not control and is not responsible for the actions or inactions of any lender or lending partner, is not an agent, representative or broker of any lender or lending partner, and does not endorse any lender or lending partner. Lendgenius.com receives compensation from its lenders and lending partners, often based on a ping-tree model similar to Google AdWords where the highest available bidder is connected to the consumer. Regardless, Lendgenius.com’s service is always free to you.

This service is not available in all states. If you request to connect with a lender or lending partner in a particular state where such loans are prohibited, or in a location where Lendgenius.com does not have an available lender or lending partner, you will not be connected to a lender or lending partner. You are urged to read and understand the terms of any loan offered by any lender or lending partner, and to reject any particular loan offer that you cannot afford to repay or that includes terms that are not acceptable to you.

By submitting your information via this website, you are authorizing Lendgenius.com and/or lenders and lending partners in its network or other intermediaries to do a credit check, which may include verifying your social security number, driver license number or other identification, and a review of your creditworthiness. Credit checks are usually performed by one of the major credit bureaus such as Experian, Equifax and Trans Union, but also may include alternative credit bureaus such as Teletrack, DP Bureau or others. You also authorize Lendgenius.com to share your information and credit history with its network of approved lenders and lending partners.

Our lenders offer loans with an Annual Percentage Rate (APR) of 35.99% and below. For qualified consumers, the maximum APR (including the interest rates plus fees and other costs) is 35.99%. All loans are subject to the lender’s approval based on its own unique underwriting criteria.

Example: Loan Amount: $4,300.00, Annual Percentage Rate: 35.99%. Number of Monthly Payments: 30. Monthly Payment Amount: $219.36. Total Amount Payable: $6,581.78

Loans include a minimum repayment plan of 12 months and a maximum repayment plan of 30 months.

In some cases, you may be given the option of obtaining a loan from a tribal lender. Tribal lenders are subject to tribal and certain federal laws while being immune from state law including usury caps. If you are connected to a tribal lender, please understand that the tribal lender’s rates and fees may be higher than state-licensed lenders. Additionally, tribal lenders may require you to agree to resolve any disputes in a tribal jurisdiction. You are urged to read and understand the terms of any loan offered by any lender, whether tribal or state-licensed, and to reject any particular loan offer that you cannot afford to repay or that includes terms that are not acceptable to you.


Lender’s or Lending Partner’s Disclosure of Terms.

The lenders and lending partners you are connected to will provide documents that contain all fees and rate information pertaining to the loan being offered, including any potential fees for late-payments and the rules under which you may be allowed (if permitted by applicable law) to refinance, renew or rollover your loan. Loan fees and interest rates are determined solely by the lender or lending partner based on the lender’s or lending partner’s internal policies, underwriting criteria and applicable law. Lendgenius.com has no knowledge of or control over the loan terms offered by a lender and lending partner. You are urged to read and understand the terms of any loan offered by any lenders and lending partners and to reject any particular loan offer that you cannot afford to repay or that includes terms that are not acceptable to you.


Late Payments Hurt Your Credit Score

Please be aware that missing a payment or making a late payment can negatively impact your credit score. To protect yourself and your credit history, make sure you only accept loan terms that you can afford to repay. If you cannot make a payment on time, you should contact your lenders and lending partners immediately and discuss how to handle late payments.