Car Title Loans
Emergency car title loans in 44 states. Borrow against your vehicle's equity with no credit check required, keep driving your car, and access same-day funding.
Trusted by borrowers across America
Who We Are
A Nationwide Network of Licensed Car Title Lenders
Loans Inc is not a direct lender. We are a lead-generation and referral platform that connects borrowers with a curated network of state-licensed title lenders operating in 44 states. Every lender in our network holds the appropriate state licensing and complies with applicable consumer protection laws, including Truth in Lending Act disclosure requirements.
A car title loan is a collateral-based, short-term loan that uses your vehicle's equity as security. When you apply, a licensed lender assesses your vehicle's fair market value using industry-standard valuation guides. Your approved loan amount is typically calculated as a percentage of that value - a process known as a loan-to-value ratio assessment. A lien is then placed on your vehicle title for the duration of the loan. You retain full possession of your car and keep driving it throughout the repayment period. The lien is released in full once your outstanding balance is paid off.
Our network serves a wide range of borrowers, from subprime and credit-challenged individuals who have been denied by traditional banks to underbanked households facing emergency expenses like medical bills, utility shutoffs, rent payments, or urgent vehicle repairs. Because approval is based primarily on vehicle equity rather than credit score, title loans provide accessible financing when conventional lending options are unavailable or too slow. Loan terms, APR, repayment schedules, and total cost of borrowing vary by state regulation and individual lender criteria.
Simple Process
Get Your Cash in 3 Steps
No dealership visits. No credit check. No judgment.
Apply in 2 Minutes
Submit your online application with basic vehicle details: year, make, model, mileage, and VIN. No credit check, no hard inquiry on your credit bureau report. Our process is fully digital and takes under 2 minutes to complete from any device. You can apply from home, work, or anywhere with an internet connection.
Get Approved Fast
A state-licensed lender evaluates your vehicle's fair market value using Kelley Blue Book, NADA guide, or comparable industry valuation tools, not your credit score. Your approved loan amount is determined by your vehicle's equity and loan-to-value ratio. Most approvals are issued within 15 minutes. You may be asked to provide photos of the exterior, interior, odometer, and VIN plate for remote vehicle inspection.
Receive Your Funds
Once your loan agreement is signed and reviewed, a lien is placed on your vehicle title as collateral. Funds are disbursed via ACH direct deposit to your bank account, the same day or the next business day, depending on when you complete the process. You keep driving your car for the entire loan term. Upon full payoff of the outstanding balance, the lien is released, and your clean title is returned to you.
Real Customers
What Borrowers Are Saying
Thousands of Americans have used Loans Inc to get through unexpected financial hardship, from medical bills and emergency repairs to rent payments and utility shutoffs.
"My transmission failed the week rent was due. I was paycheck-to-paycheck and had no options. Loans Inc got me funded the same day using my truck's equity. Kept my job and my apartment."
"I'm credit-challenged and had been denied everywhere. Loans Inc didn't care about my credit score — just my car's value. Straightforward process, fast approval, no hidden fees. Had cash in my account same day."
"A medical bill hit that insurance wouldn't cover. I needed emergency cash fast and didn't want to lose my car. Loans Inc got me funded before I missed a single payment. Genuinely a lifeline when I had nowhere else to turn."
Know Before You Borrow
Is a Title Loan Right for You?
Title loans are a fast, accessible option for borrowers facing emergency expenses. They are a secured, lien-based product that comes with real financial responsibilities. Understanding the terms before you apply is essential.
Who Typically Qualifies
You may qualify for a car title loan if you own your vehicle outright with a clear, lien-free title in your name, can show a regular source of income, and live in a state where title loans are available. Credit history is not the primary factor in the approval process. Instead, lenders focus on your vehicle’s fair market value and available equity to determine your maximum loan amount. Eligible vehicles typically include cars, trucks, SUVs, and motorcycles in working and verifiable condition.
What You Should Understand
Title loans are collateral-based, short-term loans. A lien is placed on your vehicle title for the duration of the repayment term. Loan terms, APR, repayment schedule, origination fees, and total cost of borrowing vary based on state regulations and individual lender requirements. In most states, you have the right to receive full, mandatory disclosure of all fees and finance charges before signing. You may also have a rescission period, allowing you to cancel the loan agreement without penalty, where applicable under state law.
Consumer Protections
Our network operates exclusively with state-licensed lenders who comply with applicable consumer protection laws, including Truth in Lending Act disclosure requirements. Failure to repay according to your loan agreement may result in vehicle repossession. If you are struggling with repayment, contact your lender immediately, as many lenders offer extensions, payment plan modifications, or refinancing options. For independent consumer guidance, visit the Consumer Financial Protection Bureau.
Loan amounts, APR, and repayment terms vary by lender and state. Failure to repay may result in vehicle repossession. We encourage you to borrow only what you are confident you can repay according to the agreed schedule. If a title loan may not be the right option for your situation, you can explore our loan alternatives to compare other potential financing solutions.
Eligible Collateral
What Vehicles Qualify for a Car Title Loan?
Most personal-use vehicles with a clear, lien-free title qualify for a car title loan. Here is what lenders in our network typically accept.
🚗 Cars & Sedans
Most makes and models qualify, domestic and foreign. Vehicles are assessed by year, make, model, mileage, and current condition. Well-maintained sedans from major manufacturers typically qualify for loan amounts ranging from several hundred to several thousand dollars, depending on current fair market value.
🚛 Trucks & SUVs
Four-wheel-drive trucks and SUVs are among the most commonly accepted vehicles and often qualify for higher loan amounts due to strong resale values, particularly in states where these vehicles are in high demand. Pickup trucks, full-size SUVs, and crossovers in good condition frequently qualify for the upper range of available loan amounts.
🏍️ Motorcycles & RVs
Many lenders in our network also accept motorcycles, recreational vehicles, and other titled personal-use vehicles. Eligibility and loan amounts vary by lender and state. The vehicle must have a clean title in the borrower's name, be available for photo or in-person inspection, and have verifiable equity based on current market conditions.
Common Questions
Frequently Asked Questions
Everything you need to know about applying for a car title loan through Loans Inc.
Do I need good credit to qualify?
No. Credit score is not the primary factor in title loan approval. Because the loan is secured by your vehicle's title as collateral, lenders focus on your vehicle's fair market value, equity, and your demonstrated ability to repay through regular income. Borrowers with poor credit, no credit history, or past bankruptcies regularly qualify. Some lenders may run a soft credit inquiry that does not impact your credit score, but a low score will not automatically disqualify you.
How is my loan amount determined?
Your maximum loan amount is based on your vehicle's current fair market value as assessed by industry-standard valuation guides such as Kelley Blue Book or NADA. Lenders typically offer a percentage of that value — the loan-to-value ratio — which accounts for their risk exposure. Factors that influence your vehicle's assessed value include the year, make, model, trim level, current mileage, mechanical condition, body condition, and local market demand for your vehicle type.
How quickly will I receive my funds?
Many borrowers receive same-day funding if they apply early in the day, provide complete documentation, and the lender can quickly verify vehicle details. Funds are typically disbursed via ACH direct deposit to your bank account. In some cases, next-business-day deposit is the timeline depending on when the loan agreement is finalized and your bank's processing schedule. Our network prioritizes rapid processing to get you cash when you need it most.
Can I keep driving my car during the loan?
Yes. This is one of the primary advantages of a title loan over other secured lending products. When you take out a title loan, you surrender the paper title document — not the vehicle itself. You retain full possession of your car, truck, or SUV and continue using it for work, family, and daily errands throughout the entire repayment period. The lender holds only the lien on your title. Once your outstanding balance is paid in full, the lien is released and your clean title is returned to you.
What happens if I can't repay on time?
If you are unable to make a scheduled payment, contact your lender immediately rather than falling behind without communication. Many lenders offer options such as payment plan modifications, loan extensions, or refinancing arrangements for borrowers experiencing genuine hardship. However, if you default and fail to make arrangements, the lender has the legal right to repossess your vehicle to recover the outstanding balance. Acting proactively gives you the best chance of keeping your vehicle and resolving the situation without repossession.
What documents do I need to apply?
Most lenders require a clear vehicle title in your name with no existing liens, a valid government-issued photo ID such as a driver's license or state ID, and documentation of regular income such as recent pay stubs, bank statements, or benefit award letters. Proof of state residency — a utility bill, lease agreement, or bank statement showing your current address — is also typically required. Your vehicle must be available for photo or in-person inspection so the lender can verify its condition and current market value.
Service Area
Title Loans in Your State
Whether you're facing a medical bill in Texas, a utility shutoff in Florida, or an emergency expense in Georgia, our network of state-licensed title lenders offers lien-based financing using your vehicle's equity, with no credit check required. We serve borrowers in 44 states through a fully online application process, connecting subprime and credit-challenged borrowers with licensed lenders who specialize in collateral-based, equity-driven loan approvals.
Click your state to find title loan options near you.
Ready to Apply?
Get your free quote in 2 minutes. No credit check. No obligation. Our network of state-licensed title lenders is ready to evaluate your vehicle's equity and get you funded fast.
Apply Now — It's Free →Loans Inc is not a lender. Loan amounts, APR, and terms vary by lender and state. Not available in all states.