Where is the best place to find car title loans? There are lots of reasons you might need to change up your finances. Maybe you've had a sudden (unpleasant) surprise in your job situation, or you've had a costly personal emergency that's set you back. Sometimes, there are expenses that are more immediate than others, and car title loans may be a way to keep your bills paid without running into bigger trouble with your finances.
Best Option
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Max Cash Title Loans is a great option for people seeking quick money through car title loans. The company serves a large area across 38 states, but you may need to call in and complete a credit check to finish the application. Max Cash Title Loans is highly trusted, holding an "A+" rating from the Better Business Bureau and a strong 4.1-star rating on Trustpilot, with many users praising how honest and clear the company is about loan costs and interest rates. For these reasons, they earn the highest spot in our review.
Great
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5 Star Car Title Loans is a lending firm that specializes in secured car title loans across 46 states. The company simplifies the application process, enabling you to secure a quote fast. Despite holding a middling rating of "C+" from the Better Business Bureau, many reviewers praised 5 Star Car Title Loans' immediate approval and quick fund transfers. This, plus the impressive service area, earns it one of the highest spots in our review.
Great
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Loan Mart stands out as a competitively trustworthy car title loan company that helps customers learn about their finances and offers a wide service area to assist you. The company makes it easy to get an instant loan offer, with a minimum of $2,000. Loan Mart has an excellent "A+" rating from the Better Business Bureau and good reviews from customers on Trustpilot, which is a standout from many car title loan providers that don't have any reviews to speak of. For these reasons, Loan Mart is a super-solid choice for a car title loan.
Very Good
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TitleMax is a well-known private lender that offers car title loans. While it has competitive ratings from customers who felt that TitleMax helped them out through the loan process, there is a lower loan threshold and some limitations on its service area. While we love the "A+" rating from the BBB, TitleMax comes in below our top 3 picks due to those limitations. But if you live within the service area, it's definitely worth checking out.
Good
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Advance America is a car title loan provider that has decent policies. However, as its loan services are only available in a few states, it isn't quite as competitive as it could be. While it has a top-notch reputation from the BBB and Trustpilot, it earns a slightly lower score due to the limitations on location. But if you live in a covered state, you should definitely check out Advance America.
Average
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Loan Center is a company in California that offers a range of financial services, including auto loans and car title loans. The process to find out if you qualify is very detailed. Even though the company has an "F" rating with the Better Business Bureau, some in-person branches, especially in California, have received decent reviews on Yelp from customers who said the process was fast and easy, even for those with bad credit. For these reasons, Loan Center earns a balanced rating in our review.
Fair
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EZ Title Loans offers car title loans with a simple process, promising quick service for people who have bad credit or no credit history. While the company's service area is small, it is quick and easy to use. However, a major problem is that EZ Title Loans has no reviews or ratings from the Better Business Bureau or any other major customer sites, making it hard to know if the company is reliable. For now, it earns a below-average score in our review.
Subpar
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Speedy Title Loans is a site that connects you with lenders for car title loans, and includes both regular cars and motorcycles. However, some concerns with Speedy Title Loans make it less competitive than the other car title loan services in our review. With no rating on the BBB, concerning reviews on Trustpilot, and more qualification requirements than other sites, it doesn't stand out as a lender you want to use to help manage your finances.
Weak
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Easy Car Title Loan seems to be a trustworthy loan site because it says major news outlets have reviewed and reported on it. However, based on our research, this may not be the case. During our review, we found that the claims about being on news sites like Forbes were not true, which is a major concern about the company's honesty. Worse, the company has no feedback on sites like the Better Business Bureau or Trustpilot, so it is impossible to know how reliable or good the service truly is for customers looking for car title loans.
Poor
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Auto Cash USA is one of our least favorite car title loan sites, regrettably. The website's poor quality and clunky interface require users to submit a basic form and then wait for an agent to call to finalize the process. The company also holds an "F" rating from the Better Business Bureau due to failing to respond to customer complaints, and there are almost no independent customer reviews available on trusted third-party sites. For now, Auto Cash USA doesn't really have anything to recommend it, earning it one of the lowest ratings in our review.
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There are lots of reasons you might need to change up your finances. Maybe you've had a sudden (unpleasant) surprise in your job situation, or you've had a costly personal emergency that's set you back. Sometimes, there are expenses that are more immediate than others, and car title loans may be a way to keep your bills paid without running into bigger trouble with your finances.
So, what is a car title loan? We're all familiar with traditional vehicle loans. But car title loans are a secure loan type (one that is based on collateral). That helps you get some extra cash quickly, using your car as the support for the loan. If you want to grab a car title loan, you need a few things. First, you'll need to own your vehicle outright. This means you can use the total value of the car to get cash in your pocket, and then pay the loan back later.
The benefits of choosing a car title loan are surprising, given the nature of most loans. Generally, a car title loan doesn't put a lot of stress on your credit score or credit history. This makes it slightly less risky than other loans. This is due to using the entire value of your car (whatever it is currently) as collateral. This is a great option for those who have more valuable cars, especially if you need a lot of cash quickly. However, there is one major risk to keep in mind: if you fail to repay your loan during the repayment period, you will have to give up your car to the loan servicer.
Plus, in today's modern age, you can start the process for car title loans totally online. Most sites, though, work as a middleman service. So, the site where you submit your initial inquiry may not be the site that actually offers you the money. Instead, you get connected with partner lenders most of the time, and you can complete the loan process with the best offer, though it can take a bit of time to get multiple complete offers from different sites. In most cases, you'll have to show your car title in person to finish out the process (to prove that you actually own your car). As for other application materials, be ready with your Social Security number, VIN, and driver's license as you go through the process.
When you're selecting a car title loan, you'll want to keep an eye on the high interest rates that you might find for repayment. Many of the rates for car title loans can reach over 100% interest. If you're prepped in advance and plan your repayment, this might not be a big deal. However, it is helpful if you keep an eye on services that offer lower interest rates.
If you're ready to get your other finances back on track, there are a few ways to make sure you get the best support and safest lender for car title loans. Here are some factors to consider that can help you pick the most secure option:
Finding the best car title loans can be a little stressful. So, to make sure you have the best chance of finding a solid loan situation, Top Consumer Reviews has researched and ranked the best car title loan providers available today. This way, you can secure your finances with a new loan and relieve any stress you might have with your immediate finances. Hopefully, this helps you get back on track!
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