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The Best Car Title Loan Providers

Where Can You Find the Best Car Title Loans?

If you find yourself facing unexpected financial challenges, you're not alone. Many individuals encounter sudden expenses that demand immediate attention. In times of urgency, when traditional financing options may not be quick enough to get the bills paid, car title loans can be a viable solution.

How exactly does this type of loan work? If you own a vehicle outright, you can use its title as collateral to qualify for a short-term loan. The beauty of this arrangement is that you don't have to park your car during the loan period. In fact, you can continue to use it as usual until the loan is fully repaid, and the title is signed back over to you.

Friday, July 19th

2024 Car Title Loan Provider Reviews

Top Consumer Reviews Best-In-Class Blue Ribbon Award Max Cash Title Loans Review 5 Star Rating

Max Cash Title Loans

5 Star Rating
  • Refers you to partner lenders
  • Available in 38 states
  • Has helped connect applicants with over $100 million in title loans
  • Same-day and next-day funding available
  • Get your money via check, direct deposit, or in person at MoneyGram
  • "A+" rated and accredited by the BBB
  • In business since 2009
Top Consumer Reviews Best-In-Class Blue Ribbon Award

Max Cash is a one-stop shop for finding a car title loan provider, as well as several other types of borrowing (like personal loans, installment loans, credit cards, and more). The title loan department has been in operation since 2009, connecting millions of clients with over $100M in funding.

38 states in the service area

Max Cash is one of the farthest-reaching car title loan services on our list, available to residents of 38 states. That's not as much as they used to cover (49 states, the last time we evaluated this company), but that's par for the course in the industry: states change their rules and regulations all the time, so it's unlikely you'll find a company that works in all 50 states. Just make sure that you live in one of the places where Max Cash can fund your auto title loan.

Start online, finish over the phone

Start by clicking on the "Apply Now" button. Put in the usual details about your car, then your contact information and income info. We really liked that the last dropdown offered the option of "Yes, I agree but do not text me" instead of forcing us to accept marketing contacts that way. Once you hit submit, you'll usually get a message that says your application has been submitted.

Receive quote over the phone

You'll also be invited to get your free credit score through another service, but that's optional. Also note, you won't be given a quote on your car title loan immediately. Instead, one of their representatives will reach out and walk you through all the loan offers available through the Max Cash network of title lenders.

Best Car Title Loan Providers

Multiple ways to receive your funds

Once you've chosen the loan and lender you like, and your final application is approved, you could get your funds the same day or the one following. Max Cash makes it easy: choose to receive the money via direct deposit, check, or even pick it up at a MoneyGram location convenient to you.

Top marks from the BBB

Max Cash's reputation is very positive, including an "A+" rating and accreditation from the Better Business Bureau, with zero complaints filed there. That's almost unheard of in the car title loans industry. Although we couldn't find the Google reviews featured on the site, we were still able to find plenty of customer reviews elsewhere that described the process as simple and unpressured.

#1 for car title loans

Max Cash remains at the top of our list for car title loans. They've got one of the widest service areas in the industry, a stellar reputation, and a long track record of connecting everyday people with the money they need. We encourage you to fill out their easy online form and see what Max Cash can do for you.

Loan Mart Review 4.5 Star Rating

Loan Mart

4.5 Star Rating
  • Available in 20 states
  • Loans often funded within 24 hours
  • May be able to get funds via debit card or in cash at a nearby Walmart
  • Automatic payment and interest rate deduction when you meet criteria
  • "A+" rated by the BBB

LoanMart, tracing its roots back to a humble pawn shop in Sherman Oaks, California, has been a key player in the car title loan industry since its inception in 1999. With a customer base exceeding 250,000, this lender has built a reputation for providing hassle-free car title loans accompanied by exceptional customer service.

Get a preliminary quote with no personal data required

We love the straightforward process of finding out how much you can borrow using this platform. You'll choose your vehicle's year, make, and model, and then follow the prompts to indicate how many miles are on it and where you live. You don't even have to provide any personal data to get an initial quote, and we love that. So many car title loan services feel like all they really want is to get your name and number, but LoanMart shows you the money (so to speak) without any of that.

Broader service area now

And, we want to point out that some things have changed here since our last review. One huge plus is that LoanMart is now available in 20 states instead of just 8. The list of service areas now consists of Arkansas, California, Delaware, Florida, Indiana, Kansas, Kentucky, Louisiana, Michigan, Minnesota, Mississippi, Montana, Nebraska, North Carolina, Ohio, Oklahoma, Rhode Island, South Carolina, Tennessee, Texas, Utah, Virginia, Washington, and Wisconsin.

Best Car Title Loan Providers

3 companies, one title loan

Also, when you start the process of applying for your car title loan on the LoanMart platform, you will be directed to a different website. For example, on a 2021 Toyota Corolla in Florida, we were given a quote of $10,762 and then told we'd be passed along to ChoiceCash to complete the application. ChoiceCash is fully serviced by LoanMart and backed by Capital Community Bank (who has an "A+" rating and accreditation from the BBB), so that's not a bad thing; it's just different from what we experienced before.

Easy to get your money

Once you've moved over to the ChoiceCash platform, you can either give them a call or complete the online process for your car title loan. When you've been offered a loan with terms you like, you could have your money in 24 hours. Neither LoanMart nor ChoiceCash goes into any detail about their rates, fees, or even the locations where you'd need to bring in your title, so you'll have to wait until you complete your application to find that out. But, from what we've gathered through customer comments, it looks like you can get your funds via debit card or even picking up cash at Walmart, which is pretty convenient.

Automatic savings

One perk of being a LoanMart/ChoiceCash client is that you'll get an automatic reduction in your interest rate and payments as long as your loan is less than 30 days past due at all times, it hasn't been modified, and your car hasn't been repossessed. How great is that?

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Fantastic reputation

We're also happy to see what a solid track record LoanMart and ChoiceCash have. From that "A+" BBB rating we mentioned to more than 100 reviews on Trustpilot with a commendable 4.5-star average, this car title lender gets plenty of compliments (and that's not easy to do in this industry).

Exceptional choice if you're in their service area

Although we can't give LoanMart our absolute highest rating (mostly because they're not available in as many states as our #1 pick), we strongly recommend that you give this lender a try if you do live in one of their service areas. They're straightforward and will give you an idea of what you can borrow before you even give them your name. And, you can trust that they'll be honest in the way they handle your car title loan. LoanMart earns an excellent rating from us.

5 Star Loans Review 4 Star Rating

5 Star Loans

4 Star Rating
  • Loans offered in all states except South Dakota, West Virginia, Vermont, and New York
  • Loan amounts between $2,600 to $20,000
  • Title loans and personal loans available
  • "A+" rated by the BBB

5 Star Loans works with consumers to get auto title loans and personal loans ranging from $2,600 to $20,000. What they can offer you depends on where you live, but there are options nationwide with the exceptions of New York, South Dakota, Vermont, and West Virginia.

Phone call is required

5 Star Loans absolutely prioritizes speaking with prospective clients on the phone. You can fill out their initial application online, but no matter what, you're going to have to talk to one of their representatives.

Car tracked by GPS

One thing we noticed in this company's requirements is that you'll have to accept having a GPS device on your car throughout the duration of the car title loan. We know that's not unusual, but it was interesting that 5 Star Loans spelled it out instead of springing it on you out of nowhere. They'll give you options for where you can go to have it installed, free of charge, and it may be the same location you'll visit to turn in your vehicle's title.

Best Car Title Loan Providers

"A+" from the BBB

We're glad to report that 5 Star Loans has a top-notch reputation with the Better Business Bureau, earning an "A+" rating there (and no complaints filed). Reviews from clients aren't the easiest to find, especially with a Facebook feed that doesn't have much after 2018, but we didn't see anything worrisome either. There are some reviews featured on the 5 Star Loans site that supposedly came via Google, but clicking the link didn't take us to anything but a map of where we live. However, if those reviews are legit, their 4.7-star average is pretty solid.

Worth your time to check it out

5 Star Loans gets a good rating from us. We're glad to see the good track record with the Better Business Bureau and (theoretically) with the reviews posted via Google. There's also a pretty broad range of locations where 5 Star Loans can connect people with funding, even if it has to take the form of a personal loan instead of a car title loan. Although we'd like to see a bit more information offered upfront, especially after filling out the online form, 5 Star Loans still is an option worth considering for your auto title loan.

Loan Center Review 3.5 Star Rating

Loan Center

3.5 Star Rating
  • Funded over $5 million in loans so far
  • Offers both auto title and personal loans
  • Interest rates between 35.50% and 199.99% APR
  • "A+" rated by the BBB
  • In business since 2001

LoanCenter has funded over $5 million in loans, over more than 20 years in business. You can get both car title and personal loans here, in the event that you want some flexibility over how you borrow the cash you need.

Asks for a little too much info upfront

To get prequalified, you'll fill out the online form and provide the usual details: year/make/model, contact information, mileage, and so on. The next page asks for a lot more than you might be used to, like your car insurance carrier and policy number, employer name, license plate, and SSN. Not a fan. And, at that point, you'll be waiting for a rep to reach out, or you can call the toll-free number and give them the customer code shown to you on the "Thank You" page.

Hard to get more details

We weren't happy that when we tried to click on the "State Disclosures" link, to get more information about where LoanCenter operates, we got a 404 error. In their FAQs, we were able to spot their disclosed interest rate range of 35.50%-199.99% APR, but there was still no list of states there. We reached out on their live chat during regular business hours, but we never got a response.

Best Car Title Loan Providers

Perfect score from the BBB

LoanCenter is owned and operated by Wilshire Commercial Capital, who also runs 1 800 Car Title. Under all three names, the company gets an "A+" from the Better Business Bureau, although there were 110+ complaints filed there over the last three years. Most of those were from car title clients whose vehicles had been repossessed and they had problems getting it back, but that's the nature of the industry (and LoanCenter/Wilshire reps responded promptly and appropriately to all complaints, including those).

Not a lot of client reviews

There's not a ton of feedback we could find with respect to LoanCenter's customer experience. Yelp had some reviews for the main location in LA, and most of them were very positive, but it's just not a lot to go on.

Good enough

We feel comfortable giving LoanCenter a good rating: not the best, but certainly not the worst. It would be better for prospective customers if the site gave out more information from the get-go, especially regarding their service area: why fill out an application if you're going to be denied on location alone? But, with a solid track record with the Better Business Bureau and no major red flags present, LoanCenter might be worth a look if you don't find the car title loan you were hoping for with the higher-ranking providers we researched.

Auto Cash USA Review 3 Star Rating

Auto Cash USA

3 Star Rating
  • Borrow from $300 to $15,000
  • Available in AL, AZ, DE, GA, ID, LA, MS, MO, NV, SC, TN, TX, UT, and WI
  • Parent company is "A-" rated by the BBB

Auto Cash USA can connect you with cash: anywhere from $300 to $15,000, depending on the value of your car and your proof of income. The website for this car title loan provider is easy to navigate, and they're eager to connect you with a lender who can get you cash in hand fast.

Fewer than a dozen states covered

However, Auto Cash USA has a really limited service area. With many of their rivals, it's a short list to tell you where they don't have locations; for Auto Cash USA, it's easier to list where they do. You can qualify for an auto title loan if you live in Alabama, Arizona, Delaware, Georgia, Idaho, Louisiana, Mississippi, Missouri, Nevada, South Carolina, Tennessee, Texas, Utah, or Wisconsin. That's it. And even in those states, we were a little confused by the fine print at the bottom of the site that said, for a few of them, that only pawn transactions and/or payday loans were offered there.

Cash in 30 minutes? Maybe...

That's what we found when we entered a Georgia address: we were directed to a list of locations to choose from, most of which had "Pawn" in the company name. After we selected a location, we were told to wait for a phone call and that we should have in hand our photo ID, proof of income, and a lien-free vehicle title, and to be prepared to present our car for inspection. That's pretty standard in the industry, but it didn't feel like "cash in as little as 30 minutes" (maybe if you had a location right next door, you could make all of that happen in half an hour).

More details when you get your offer

Previously, we were able to find disclosed interest rates ranging from 36% to 360% APR for car title loans through Auto Cash USA. Recently, though, we scoured the site and didn't find any references at all to fees, rates, and terms: like most car title lenders, they wait to give you that info until you've turned in your application and confirmed your details.

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Massive improvements

It took us a few hops, skips, and jumps, but in the end we confirmed that Auto Cash USA is under the banner of Community Loans of America Inc. That's not a bad thing: both Auto Cash USA and CLA have ratings of an "A-" or higher from the Better Business Bureau, depending on whether you're looking at the corporate HQ or individual store locations. That's a BIG jump from our last evaluation of this car title loan company: a meteoric rise from an "F" to an "A" of some variety.

Complaints are standard for the industry

The company as a whole has its fair share of complaints (because, let's be honest, it's easy to get in trouble with these kinds of loans if you're not careful), but the positive track record with the Better Business Bureau is a strong indicator that Auto Cash USA and CLA are doing what they can to spell things out ahead of time and to respond appropriately to problems as they arise.

Not in last place anymore

We're happy to move Auto Cash USA off the bottom of the barrel, both rating- and ranking-wise. Their service area is still limited, but we're glad to see that they've made enough improvements in the locations where they do provide car title loans to earn an upgrade.

Mid American Title Loans Review 2.5 Star Rating

Mid American Title Loans

2.5 Star Rating
  • Loans up to $10,000
  • In business for 30+ years
  • Serves 20+ states

Mid American Title got its start in Georgia back in 1990 under the name of Instant Cash Loans on Car Titles, Inc. They aim to help you get the money you need in a convenient, hassle-free way. Do they deliver?

You could drive hundreds of miles to turn in your title

It becomes pretty obvious early on that Mid American Title Loans only operates as a storefront, so to speak, for another company. You'll spot it first when you scroll to the bottom of the site and see the D/B/A ("doing business as" ) LoanMax designation for Mid American. That's not a problem in and of itself, but when you see how far you may have to go to reach a LoanMax near you to turn in your title? Well, at least where we looked, the "local" office was several hours' drive away, in a different state. That would be understandable if we searched for an area in, say, Wyoming, but we put in an address from a mid-size metro area in the South.

Website UI is mid

You'll also start to see issues as you browse through the site, looking for information. Right on the main page, it will invite you to find a location by state - but the only state it shows is Missouri. You'll be better off searching by zip or current location, but even then you'll still be likely to get a referral to a LoanMax office nowhere near you.

Best Car Title Loan Providers

Needs some updating

We're also not sure how often Mid American Title Loans updates their website. In the "About" section, it says they were founded in 1990 and they've been helping customers for 25 years. Do the math, and that puts us at about 2015... which is more than a few years ago.

Money in 20 minutes, if you're close enough

They say you'll get your money in 20 minutes, but really, that's just how quickly you could be approved: you'll still have to take your title in person, and if that includes the drive we were given to make, there's nothing "20 minutes" about that.

Your quote comes after a phone call

You also won't get a quote right away, even after you fill in the online form. You'll have to wait for a Mid American Title Loan specialist to call you, unless you want to reach out directly. We don't love the fact that they only tell you that you can borrow up to $10,000, but nothing about the rates, terms, or fees. People already feel like car title loans tend to be shady, and the whole experience here doesn't do anything to change that perception.

Best Car Title Loan Providers

Next to no feedback

To top it off, it's next to impossible to find any kind of feedback from borrowers who have gotten car title loans through Mid American. Is that because they're more of a storefront for LoanMax? Or because hardly anyone is actually using this service? It's hard to say, but it leaves us without much to go on.

Room for improvement

What conclusion is there besides "this isn't a great option for car title loans" ? Mid American Title Loan doesn't do anything to earn our trust, and we don't think they're deserving of yours. Save yourself the long drive to another state and go with one of the higher-ranked car title loan providers on our list.

EZ Title Loans Review 1.5 Star Rating

EZ Title Loans

1.5 Star Rating
  • Loans up to $15,000
  • Available in 45 states (not including NY and CA, among others)

EZ Title Loans sure doesn't want to tell you much about who they are or where they operate. We have no idea where they're headquartered, who they partner with to fund auto title loans, or how much money they've been able to successfully get into the hands of applicants like you.

45 states on the list

Which areas does EZ Title Loans serve? We went through their list of "locations for easy title loans" and counted 45 states. California and New York were two of the most noticeable exclusions on that list.

Glitchy website experience

You'd really need to go by the "Free Quote" form to even start to get an idea of what you might be able to borrow here. Input the year of your car, the make/model/style, and the estimated mileage. It was really annoying to get all the way to the place to put in our address, and then be kicked out to another screen that said yes, they operated in our state..and then we had to fill the form out all over again.

No one is answering the phone

We finally got a preapproval for a car title loan of up to $15,000. That's just a generic amount based on the car details we entered: EZ Title Loans hadn't asked us anything about our income or other factors that would impact our creditworthiness. We were then encouraged to give them a call to continue the process. The first time, the call dropped. The second time, we were asked to leave a voicemail message, even though the call was during regular business hours.

Best Car Title Loan Providers

Typos are unprofessional

Also, as we worked our way through the EZ Title Loans website, we found typos that didn't exactly boost our confidence in this company as a trustworthy, professional business.

Zero reputation to speak of

Is it even a surprise that this company has practically no reputation to speak of? The Better Business Bureau has no listing for EZ Title Loans (or for any other company that might be using the same phone number). And, we couldn't find any reviews, positive or not, in the usual spots like Trustpilot or even Yelp.

Waste of time

You might be desperate for money, but don't waste any of your precious time on EZ Title Loans. Chances are good that you won't be any closer to getting the financial help you need, no matter what you do with this website or its toll-free number. Use a car title loan source with a higher ranking on our list instead.

TitleMax Review 1 Star Rating

TitleMax

1 Star Rating
  • Borrow up to $10,000
  • Operates in 14+ states
  • In business for over 20 years

TitleMax has been in operation for over 20 years. They offer title loans and pawns plus personal loans, so you'll see references to all of those on their website.

Locations in 14-18 states

TitleMax has over 900 locations throughout just over a dozen states. Those may include Alabama, Arizona, Delaware, Florida, Georgia, Idaho, Illinois, Kansas, Mississippi, Missouri, Nevada, New Mexico, South Carolina, Tennessee, Texas, Utah, Virginia, and Wisconsin. But, don't take that as a finalized list; on the map on the TitleMax site, Wisconsin and Florida were shown as two different colors (there was no key to say if red meant it was an included or excluded location) despite both being on the supposed roster for TitleMax. Depending on where you look, TitleMax may operate in as many as 18 states or as few as 14. It's probably related to the fact that TitleMax may service existing loans in states where they no longer originate them; at the time of this review, the site listed CA, IL, and VA as examples of that mode of operation.

Loan amounts totally depend on your state

How much can you borrow? That depends on where you live, and a lot of that information is in the fine print at the bottom of the site. For title-secured loans, the maximum you can borrow in MS is $2,500, while the minimum in South Carolina is $601. You should expect to undergo a credit inquiry, a review of your vehicle's title condition, and an appraisal. In some states, you'll have to provide income documentation and have an analysis done of your ability to repay your car title loan.

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"F" grade is just the start

TitleMax earns our lowest possible rating because of their "F" rating from the Better Business Bureau - and more importantly because of the reasons behind that absolute fail of a grade. The Consumer Financial Protection Bureau (CFPB) took action against TitleMax in 2023 for "violating the financial rights of military families and other consumers in providing auto title loans" . TitleMax did this by charging three times more than the 36% annual interest rate caps - by illegally changing the borrower information to get around military members' protected status. Gross. Worse yet, the CFPB calls TitleMax a repeat offender, referencing its order dating back to September 2016 that penalized the company for its fraudulent lending and debt-collection practices.

Somehow still earned some five-star reviews

We're really not sure how TitleMax has earned thousands of five-star reviews through the Consumer Affairs platform, but they have. Given the company's track record, we're not willing to bet the farm on all of those reviews being legitimate, and maybe people in a tight spot are just happy to have the cash in hand (and they don't know that they may have been swindled or overcharged in some way to get it).

Horrible choice for car title loans

We're left with zero confidence in TitleMax. Perhaps it's a good thing that they're only available in 14-ish states? This company shows no commitment to honesty in their practices, as clearly demonstrated by the legal actions taken against them by the CFPB over the last decade. You may be hurting for cash, but TitleMax is likely to leave you worse off. Avoid them and don't get a title loan (or any other kind of financial help) here.

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Continued from above...

One of the advantages of car title loans is that they often don't heavily weigh your credit history. The focus is on the collateral - your car's value - which makes this type of loan more accessible even if your credit score is less than stellar. However, this also comes with a warning: failing to repay the loan could result in the loss of your car, and the loan amount is capped at your vehicle's appraised value. So, while it's a great option for those with valuable cars, those driving older or less valuable vehicles might not benefit as much.

Another crucial aspect to consider is the high-interest rates associated with car title loans. It's not uncommon for these rates to reach triple digits. Before committing to such a loan, it's in your best interests to exhaust all of the options with lower interest rates first.

Your search for a car title loan provider can begin online. Keep in mind that most sites work as a referral service. They don't usually give you the money themselves, but instead connect you with partners in their network. That's largely because you'll always have to present your title in person somewhere.

All that being said, some websites are much better than others when choosing a car title lender. Here are some factors that can help you sort the good from the bad:

  • Service area. First and foremost, make sure the site serves people in your state. Most car title loan sites aren't nationwide, so check out which locations are included before you give them your contact info.
  • Ease of use. How easy do they make it to use their service? Does the website look outdated, or does it have typos that make you question whether or not they're legit?
  • Reputation. Car title loans don't come with the most positive vibes in the world of finance, but they're a necessary option. How well does the lender or referral service do with matching borrowers in need with services that won't take advantage of them? Has the Better Business Bureau weighed in on the company with a strong rating or a low grade?

Navigating the landscape of car title loans can be challenging, but TopConsumerReviews.com has done the legwork to evaluate and rank the best options available today. Taking advantage of this information can help you secure the financial help you need right now, and hopefully relieve some of your money worries at the moment!

The Best Car Title Loan Providers Compare Car Title Loan Providers Compare Car Title Loan Provider Reviews What are the best Car Title Loan Providers Best Car Title Loan Provider Reviews

Car Title Loan Provider FAQ

A car title loan uses your vehicle as collateral for short-term borrowing. The amount of money you qualify to receive depends on the value of your car: you won't get Porsche-level dollars for a Pontiac! You turn in your car title to the lender and get it back when the loan is paid in full.
These loans are usually for consumers who don't qualify for more traditional forms of lending, due to a poor credit history or other circumstances. Also, most loans don't require collateral like a vehicle title to secure the funding.
Completing an online loan application can typically be done in just a few minutes. The rest depends on how close you are to an in-person location where the lender will collect your vehicle title and finish the application process. Some services can have your funds deposited within a few hours of turning in your car title.
These loans are considered to be short-term, so it's common for you to only have 15 to 30 days to pay it back. You definitely want to be careful to only use a car title loan if you anticipate having the money to pay off the loan in the near future!
A LOT, in all sincerity. APRs for car title loans can reach as high as 300%! Again, these loans are often a last resort when people have maxed out their credit cards, have no money in savings, and don't qualify for a more traditional form of lending.
Yes! That's one of the benefits of a car title loan: you can still use the vehicle to go to work, school, or anywhere else you need.
Plain and simple, you lose your car. The lender has the right to repossess it if you don't pay back the loan on time. However, some lenders might offer to extend your loan terms - for a fee, of course.
Yes, but there are lenders that are reputable and ones that are anything but. Plus, these loans should only be used under the most dire of circumstances, because they come with extremely high interest rates and severe consequences if you don't pay them back in a relatively short period of time.
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The Best Reviews of Car Title Loan Providers