Online Title Loans: Borrow Up to $5,000 Using Your Car — and Keep Driving It
If you own your vehicle outright, its title can unlock a larger loan or a better rate than credit alone. Apply online, get a value-based offer fast, and keep your keys the entire time you repay.*
How Do Title Loans Work?
A title-secured loan lets you borrow against the equity in a vehicle you own outright. Your car's title serves as collateral — a lien is placed on it while you repay — but you keep the car and keep driving it the entire time. At Cash Store, title loans go up to $5,000, repaid in monthly installments over 3 to 12 months.
Because the loan is secured by your vehicle's value, approval leans less on your credit score than an unsecured loan does, and amounts can be larger. Your offer is based on the car's year, make, model, mileage, and condition — plus your income and ability to repay, because a loan you can't afford helps no one. Once you've made your final payment, the lien is released and the title is fully yours again.
Be clear-eyed about the trade-off: your car is on the line. If repayment fails entirely, the vehicle can ultimately be at risk — which is why we underwrite for ability to repay and encourage you to contact us early if trouble ever comes up. If you'd rather not use collateral, compare an installment loan ($500–$5,000, unsecured) or a small cash advance first.
Is a Title Loan Right for You?
A good fit if you…
- Own your vehicle outright. A lien-free title in your name is the key requirement.
- Need a larger amount. Vehicle equity can unlock more than unsecured credit alone.
- Have thin or bruised credit. The car's value carries weight a credit score doesn't have to.
- Want monthly installments. Fixed monthly payments over 3–12 months keep budgeting simple.
- Plan to pay early. No prepayment penalty — early payoff releases your title sooner and saves interest.
Look elsewhere if you…
- Are still financing the car. You generally need a paid-off vehicle with a lien-free title.
- Can't put the car at risk. If losing the vehicle would end your income, choose an unsecured installment loan instead.
- Only need a small bridge. A cash advance repaid on payday may be simpler and smaller.
- Qualify for cheaper credit. A bank or credit union loan secured by the same car will usually cost less.
- Have unstable income. Monthly payments require dependable cash flow — collateral doesn't change that.
How It Works: From Application to Cash
No branch visits, no paperwork marathons. Most people finish the whole process before their coffee gets cold.
Apply Online
Tell us how much you need and share basic details — about 5 minutes, fully encrypted.
Get a Fast Decision
We look at your full financial picture — income and ability to repay, not just a credit score.
Review Clear Terms
See your rate, payment schedule, and total cost in plain English — before you commit.
Receive Your Money
Funds go to your debit card or bank account — as soon as the same business day.*
See What a Loan Could Cost Before You Apply
Slide to your amount, pick a product and term, and get an instant estimate. Free, no obligation, and no impact on your credit to check.
Which loan fits your needs?
How long to pay it back?
6 monthly payments
- Loan amount$1,500
- Representative APR189%
- Est. total interest & fees$210
- Est. total to repay$1,710
Estimate only, shown for illustration. Your actual rate, term, and payment depend on your application and state, and are disclosed in writing before you sign. Checking your rate won't obligate you to accept a loan.
Installment Loan vs. Cash Advance vs. Title Loan
All three get you cash fast — the right one depends on how much you need and how you want to repay it.
| Installment Loan | Cash Advance | Title-Secured Loan | |
|---|---|---|---|
| Amount | $500 – $5,000 | $200 – $1,000 | Up to $5,000 |
| Repayment | Fixed scheduled payments | Single payment on payday | Monthly installments |
| Term | 3 – 12 months | Until next payday | 3 – 12 months |
| Collateral | None | None | Vehicle title |
| Best for | Larger one-time expenses | Small payday-gap bridges | Bigger amounts using car equity |
| Learn more | Installment loans | Cash advances | You're here |
Availability, amounts, rates, and terms vary by state — see Rates & Licenses for the disclosures that apply where you live.
What You Need to Apply
Lien-free vehicle title — in your name, for a car, truck, or SUV that's fully paid off.
Your vehicle details — year, make, model, and mileage — plus photos or a quick inspection for valuation.
Government-issued ID — a driver's license, state ID, or passport showing you're 18 or older.
Proof of income — a recent pay stub, benefits statement, or bank deposits if self-employed.
Active checking account — where we send your funds and collect monthly payments.
Working phone & email — so we can verify your application and send your documents.
Title Loan FAQ
How do title loans work?
You borrow against your paid-off vehicle's value, using the title as collateral. A lien is placed on the title while you repay in monthly installments over 3–12 months — and you keep driving the car the whole time. When the loan is paid off, the lien is released.
How much can I borrow with a title loan?
Up to $5,000, based primarily on your vehicle's year, make, model, mileage, and condition — combined with your income and ability to repay. More valuable vehicles generally support larger amounts.
Do I keep my car during the loan?
Yes. You keep possession of the vehicle and drive it normally throughout repayment. We hold a lien on the title, not the keys.
Can I get a title loan if my car isn't paid off?
Generally no — a lien-free title in your name is required. If you're still financing the vehicle, consider an unsecured installment loan instead.
Can I get a title loan with bad credit?
Often yes. Because the loan is secured by your vehicle's value, credit weighs less than it does for unsecured loans. Income and ability to repay still matter, and approval isn't guaranteed.
What happens if I can't repay a title loan?
Contact us immediately — early communication opens options a missed payment closes. Late payments can add fees, and in a worst-case default the vehicle securing the loan can ultimately be at risk, which is exactly why we underwrite for ability to repay and encourage borrowing only what you need.
See What Your Vehicle Could Unlock in About 5 Minutes
Checking is free, won't obligate you to accept, and shows your exact payment schedule and total cost before you decide anything.
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