Instant Online Title Loans With Guaranteed Approval

Online Title Loans give you convenient access to quick cash if you have a motor vehicle title to use as collateral, and they are easy to get, even for people with bad credit.

Get Started Now
  • Any Credit Score Considered
  • Swift Approval Decision
  • Safe & Secure

What Are Instant Online Title Loans?

Instant online title loans, mostly known as car title loans, are short-term, secured loans that let you borrow money with your car title as collateral. The car should already be fully paid to qualify for this type of financing. Depending on your vehicle's year, make, model, and condition, you can borrow up to 50% of its value. If your application is approved, the lender will only take the title while you can still drive your vehicle. As soon as you fully repay what you owe them, the lender will immediately return the title to you.

Where Can I Get Online Instant Title Loans?

There are many online platforms where you can get instant and reliable title loans, but not many are secured sites. If you want to get started checking your options, consider these websites:

LoanMart - One of the best online title loan lenders we are currently working with, they can lend you money starting at $2,500 while you get to keep your car.

US Title Loans - US Title Loans lets you connect with lenders that can let you borrow up to $35,000 on your car title.

If you want more comprehensive options, consider getting your title loan deals through US Installment Loans. We work with lenders that offer fast online title loans as well as other loan options such as nearby payday loans, personal loans, and installment loans at US Installment Loans.

In 4 simple steps, you can get the cash that you need in your bank account:

  1. Submit information - Submit your application using our online form. Ensure to provide as much information as possible to help the lenders assess your application and increase the possibility of getting approved.
  2. Choose a loan offer - Lenders will decide whether to approve your request and send you loan offers based on the information you submit to us.
  3. Review agreements - Once you've chosen an offer, review the agreements and submit the rest of the documents to the lender.
  4. Get funds - After your confirmation with the lender, they will deposit the money to your bank account within one business day.

Loans for Everyone. Apply Now!

Get Started

Why Should I Get An Instant Online Title Loan?

While there are other types of instant online loans out there, getting an online title loan has several advantages as follows:

  • Higher borrowing amount - Instant online title loans let you borrow up to half the value of your collateral. Market research shows that the average title loan amount released is between $100 and $5,500, but some lenders let you borrow more than $10,000.
  • Lower interest rate than online payday loans - Online title loans generally have lower interest rates than payday loans since you put your car title as collateral. So if there is a fully paid-off vehicle title under your name, you can use your title to easily avoid the hefty interest rates of payday loans.
  • No need to surrender your car - You just need to submit your vehicle's title, and you can still drive your car. As long as you make your payments on time, you will maintain possession of the vehicle.
  • Quick cash - Get easy and instant cash out of your vehicle title! Most title loan lenders release the funds to your bank account within the same day of approval.

How Much Can I Get For An Online Title Loan?

Online title loan lenders typically determine how much you can borrow by considering the value of your collateral, the vehicle title in this case.

Generally, you can borrow between 25% and 50% of the value of your motor vehicle. The more expensive the lender thinks of your car, the higher the amount you can get. And when it comes to determining how much your car is worth, lenders consider different factors such as the age, make, model, mileage, history of accidents, and overall condition. So even if it is a relatively new car, you won’t expect it to have a high value if it was involved in a major accident. The more details you provide the lenders, the better they can assess how much to lend you.

How Much Do You Want?


What Are The Risks Of Getting Instant Online Title Loans?

Instant online title loans are a great option for borrowers with bad credit who want to borrow a bigger amount of money without letting go of their vehicles. While this type of loan is generally a better option than a payday loan, it's not without some risks. Before submitting your application with a lender, check out some of the aspects you need to consider:

Higher interest rates than traditional loans - Compared with traditional loans, online title loans have higher interest rates which are about 25% per month on average.

Short repayment terms - Online title loans require repayment within 30 days on average, with select lenders able to offer a longer repayment period. On the other hand, traditional personal loans can have a repayment term of up to 5 years.

You can't apply for another title loan while still repaying your existing loan - Unlike payday loans, wherein you can have more than one existing loan at a time, you can only get one title loan at a time.

Is It Possible To Get Online Title Loans Without Credit Checks?

Although lenders will consider your loan application regardless of your credit score, typically, they will still perform soft credit checks to assess how risky you are as a borrower. It's important to note that soft credit checks will not affect your credit score, so you don't have to worry about knocking off a few points every time you submit a title loan application.

Lenders will use your credit score to determine your borrowing amount, interest rate, and loan term. If based on your credit history, you are a high-risk borrower because of numerous defaulted loans, you may still be able to get your request approved, but your loan will likely come with a small amount at a much higher interest rate.

Can I Get an Instant Online Title Loan With Terrible Credit?

Yes, online title loans are designed for borrowers with poor credit ratings or those who have negative marks on their credit reports. While lenders will not discriminate against borrowers with low credit scores, they will still conduct soft credit checks to determine your creditworthiness which is one of the factors they consider to know how much you can borrow.

Thus, if your FICO score falls below 670, considered a bad credit score, you can still apply for this loan. The main requirements for this loan are your car's title and proof that you can repay your loan on time, such as your employment history and sources of income.


How long should I wait for my funds?

Since online title loans are accessible round the clock, lenders usually take a couple of hours to process your application if you have completed all the required documents. After approval, most lenders will deposit the funds to your account within the same business day.

Is it possible to find online title loans nearby?

Yes, it is possible, but finding and comparing nearby title loans can be painful. US Installment Loans streamlined the process of connecting with nearby lenders to save you time and hassle. Just submit your information to us, and you will eventually find a suitable lender through our network of partner lenders.

What if I'm having trouble repaying my online title loans?

If you miss your regular repayments, lenders will report this piece of information to the major credit bureaus. Missed loan repayments can significantly pull down your credit score. Apart from that, you will also incur expensive late fees. So it's important to contact your lender if you think that your current loan payments are way too high than what you can afford. The lender may be willing to work with you and restructure your loan so that you can afford the repayments.

What are the alternatives to online title loans?

In case you don't qualify to apply for an online title loan, there are alternative options you can consider. A registration loan is ideal if you are still paying off your car. In addition, you can also find other types of loans at US Installment Loans, such as payday loans without credit checks, installment loans, or cash advances if you don't own or are not willing to provide any collateral.

default img
default img

Submit Your Information to Us and Start Comparing Online Title Loan Offers Now!

At US Installment Loans, we can help you find a reputable lender that offers high borrowing amounts at competitive rates in exchange for your car title.

Get Started Today
default img