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Frequently Asked Questions

Find answers to common questions about car title loans and our application process.

The most important requirement is that you own a "clear" title on your paid-off or nearly paid-off vehicle. Other than that, the requirements for each customer may vary. Bad credit is OK!

Your maximum loan amount is based on the value of your vehicle. We offer loans up to $50,000 depending on your vehicle's equity.

It is your money, use it however you would like! Common uses include emergency expenses, medical bills, home repairs, debt consolidation, and more.

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The application takes just a few minutes to complete.

Our average term is 24 months. Depending on various factors, we can offer longer or shorter payment terms to best fit your needs.

Yes, we will pull your credit report at the time we process your application. However, keep in mind that bad credit and/or credit blemishes have little weight on your eligibility for a loan.

Title Loan Shop will provide you with a decision minutes after you have submitted your application, Mon-Fri from 8am-6pm PST. If you apply at any other time, you will be notified first thing in the morning on the following business day.

You will be contacted with our offer of credit, including your loan amount and terms. Then, a Title Loan Shop representative will set up a convenient time to bring the loan contract to you for your signature.

In most cases, the same day. It all depends how fast you supply us with the documentation we need. Many customers receive their cash within 24 hours.

Your first payment will be due 30 days after you receive your money.

You have several convenient options:
  • Mail your payments to our payment center
  • Pay by phone with a check
  • Set up monthly automatic electronic debits from your checking account

Yes! Title Loan Shop does not charge prepayment fees. You can pay off any portion of your loan at any time without incurring a penalty.

Still have questions?

Our loan specialists are here to help.

Contact Us 888-444-6128 Apply Now
 
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