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
Max Cash Title Loans is a financial broker that connects you with a network of lenders for a variety of financial concerns. Whether you're looking for personal loans, installment loans, or car title loans, there are plenty of ways to get more money in your pocket quickly through this service. The company, like many car title loan services in our review, is a broker that connects you with different lenders. The network is listed at over 20 different lending partners, so you can easily view multiple offers for the same car title loan request.
Get your loan in 38 states
Max Cash Title Loans offers its services in 38 states. This is one of the larger service areas offered by a car title loan store in our review. You can expect to be able to secure your loan if you live anywhere other than Arkansas, Colorado, Connecticut, Maryland, Massachusetts, and a few other states. However, for the most part, there are plenty of opportunities (and local locations to visit to get your loan finalized) in most states.
Call in and credit check to finalize
Max Cash Title Loans offers car title loans that start as low as $300 and go up to around $50,000, depending on the condition of your car. When you start your application, Max Cash Title Loans will ask you what kind of loan you're looking for and ask you detailed questions about your car's make, model, trim, and year. Once you fill out your customer details, you have to call in to get a final estimate. You can also complete a credit check online to finalize your application. This could be a bit of a drawback if you don't want to have your credit affected by a check. Make sure you have your Social Security number, VIN, and insurance available to proceed.
Direct deposit within 1 business day
Whether your car is worth $300 or $50,000, you can easily get paid through Max Cash Title Loans. The company states that your funds will generally be available within 1 business day from the time that you're accepted. In most cases, the money is sent through a direct deposit, so you'll want to have a savings or checking account available for transfers.
High praise for its transparency
Max Cash Title Loans stands out among other options with its high ratings from multiple review sites. This service currently holds an "A+" rating from the Better Business Bureau and a competitive 4.1-star average rating on Trustpilot. Considering that most car title loan sites have few to no reviews at all, we're highly impressed that Max Cash Title Loans shows individual verified customer reviews. According to recent feedback, this platform delivers cash fast and while many borrowers acknowledge the high interest rates, they appreciate how upfront Max Cash Title Loans is about that fact. There are no surprises about the costs later on.
Trustworthy and transparent
Max Cash Title Loans is a respectable choice if you're looking for a place to trust with holding your car title loan. Not only does it offer reliable and verified third-party reviews, but you can take out a wider range of loan amounts than with other sites that start their options at $2,000. Max Cash Title Loans lets you take out as little as $300 if you just need a little help rather than financing your entire car at once. But you can get higher amounts if you need to, too. Plus, with its wide service area, this one stands out from the pack when it comes to car title loans.
Great
5 Star Car Title Loans is a loan services company that offers secured car title loans. The company was established in 2012, and most of the loans at 5 Star Car Title Loans are short-term or installment loans. You can generally expect to be accepted with most credit levels, and with promises for no hidden fees or prepayment penalties, 5 Star Car Title Loans claims a more customer-friendly experience overall.
Offers service in 46 states
5 Star Car Title Loans offers loan services in most of the Southern and Midwestern US. You can expect to find title loans in most states, and you'll find installment loans in Washington, Wyoming, Colorado, North Dakota, Iowa, Illinois, Pennsylvania, New Jersey, Maryland, North Carolina, Connecticut, Massachusetts, New Hampshire, and Maine. As for states that aren't serviced, you won't be able to secure a car title loan in South Dakota, West Virginia, New York, or Vermont.
Ask for loans from $100 to $50,000
5 Star Car Title Loans allows you to begin your quote online. First, you'll choose how much you're hoping to secure from your car title loan. 5 Star Car Title Loans offers a range from $100 to $2,000 and $2,000 to $50,000. You'll be asked to select your state and whether or not your vehicle is paid off already. You'll be asked some questions about how you make money (to ensure you'll be able to pay back your loan). Finally, you'll be asked about the make, model, year, and mileage of your car to be able to grab full data and provide you with baseline offers from 5 Star Car Title Loans' partner lenders.
We were offered up to $14,438
Once 5 Star Car Title Loans finds you a lender, you can see how much you're offered. For our test car, which is a 2021 Honda Civic that is fully paid off and has 35,000 miles on it, we were offered a loan amount of $14,438. If you accept your loan, you should be able to have access to your funds within a few days of accepting and filling out your paperwork. Our recommended partner lender is Choice Cash, which is serviced by LoanMart. In most cases, you will get your money through direct deposit or check.
Competitive feedback, but not as many reviews
5 Star Car Title Loans currently holds a "C+" rating from the Better Business Bureau. At third-party review sites like Trustpilot, this lending platform averages 3.8 stars out of 5. Currently, the ratings for 5 Star Car Title Loans are a bit all over the place, with either 1 or 5-star ratings. Concerningly, the most recent review was from over a year before the time of our research. But, for those who liked the process at 5 Star Car Title Loans, there was high praise for immediate approval and quick funds transfers. Many people looking for car title loans loved the "easy and convenient" process. While most customers gave 5 Star Car Title Loans a 5-star rating, the fact that we couldn't find any more recent reviews for this service is something to be aware of.
Quick and easy to get your loan quote
5 Star Car Title Loans is a very good choice if you're looking for competitive loan amounts up to $50,000. Plus, you can complete most of the process in a few minutes through the platform before you're connected to a loan partner. With a competitive offer for our test car, and decent reviews from most customers, there's a high chance that this transparent and simple site will offer you a loan for your car. So, despite the less recent reviews, 5 Star Car Title Loans still earns a high spot on our list.
Great
Loan Mart, or 1-800-Loan-Mart, is a lender and servicer for car title loans. The company is primarily focused on car title loans, but also offers friendly customer service and helpful financial education materials. This way, you can be more educated about your finances before deciding on a loan. Plus, Loan Mart is much more well-known than most of the sites in our review, helping you feel more secure in your decision to lend money.
Get a loan in 22 states
The service area for car title loans at Loan Mart is fairly widespread, especially compared to other sites in our review. The company offers service for loans in 22 states, including Alabama, Arizona, Arkansas, California, Delaware, Florida, Georgia, Hawaii, Idaho, Indiana, Kansas, Kentucky, Louisiana, Michigan, Minnesota, Missouri, Montana, Nebraska, New Mexico, Ohio, Oklahoma, Rhode Island, South Carlina, Tennessee, Texas, Utah, Virginia, and Wisconsin. Unfortunately, if you don't live in the service area, you'll have to find a different option for a car title loan.
Instant offer for $14,606
Loan Mart generally offers anywhere from 25%-50% of your car's value, starting at a minimum of $2,000. When you apply for your loan, Loan Mart lets you know you can easily get instant approval, and there are no hidden fees. The application starts with questions about your vehicles, year, make, model, and mileage. During our application, Loan Mart worked through the partner Choice Cash, and we were offered $14,606 for our test car, which was a 2021 Honda Civic. This was a highly competitive car title loan offer against other similar sites for the same car.
Quick direct deposits for your money
Loan Mart sends you your car title loan money either through direct deposit, wire transfer, a check in the mail, or you can pick up cash if you head over to a money transfer location. For most customers who want quick access to their money, a direct deposit or wire will be preferred. Your repayment will be determined by the specific lender, and you'll see your interest rates and other details at the time you sign.
Very positive feedback from most borrowers
Loan Mart is a standout for car title loans, holding an impressive "A+" rating from the Better Business Bureau. On top of that, it was simple to find third-party reviews for Loan Mart, like on Trustpilot where it showed a competitive 3.8-star rating out of 5. 77% of all reviews for this loan provider were a full 5 stars. Recent reviews were within a few days of the time of our review, showing that customers are actively using Loan Mart. There is high praise for the customer service and detailed explanation of loans for those who completed their loan inquiry over the phone.
Great transparency and teaching materials
Loan Mart stands out as one of the most trustworthy car title loan sites in our review. With impressive scores on the BBB and Trustpilot, and a competitive instant quote process, you can easily get prequalified for a car title loan with zero hassle. Loan Mart also offers transparency, no payoff penalties, and a larger service area than most companies in our review. For these reasons, it earns a high spot on our list.
Very Good
TitleMax is a privately owned lending company that specializes in title-secured loans, title pawns, and personal loans. Noted for offering competitive car title loan amounts, it's one of the more well-known car title loan sites in our review. It was originally founded in 1998 and currently has headquarters in Georgia and Texas. TitleMax also has over 1,000 stores, and you can easily complete the process for your car title loan in person.
Loans in 16 states
TitleMax currently offers car title loans in 16 US states. Their 1,000 brick-and-mortar locations are spread across those 16 states. You can expect to be able to secure a loan if you live in Alabama, Arizona, Delaware, Georgia, Kansas, Mississippi, Missouri, Nevada, South Carolina, Tennessee, Texas, Utah, and Wisconsin. Regrettably, if you are outside that service area, you won't be able to get a loan through TitleMax.
Get up to $10,000 for your loan
TitleMax has a more limited loan amount cap than some of the other car title loan providers in our review. TitleMax only offers loans up to $10,000, which is about $40,000 lower than many of its competitors. If that's enough cash, you can start your approval process online. You'll start with your name, phone, zip code, and email address. We were recommended a "title pawn," which is the same thing as a car title loan, but this is the only site that uses different terminology. You should be ready to hand over your personal information. There's a quick and easy process to scan your driver's license, so you'll want to have that on hand. You'll also need your Social Security number to proceed. Unlike some other sites in our review, you can't get a loan estimate until after you've filled out your personal information entirely.
Quick direct deposit
TitleMax sends your car title loan money over through either direct deposit (if you choose an online loan) or through a debit card after approval in-store. You will need an active bank account in order to get your loan processed. There aren't any details regarding repayment, so that will be up to the particular lender that you're passed along to by TitleMax.
Top-notch reviews for customer service
TitleMax holds an "A+" rating from the Better Business Bureau. On top of that, it has a surprisingly large number of verified third-party reviews on Trustpilot. With over 1,000 individual reviews (which is much higher than most car title loan companies in our review), TitleMax has an above-average 3.6 stars out of 5. In general, most customers who used the loan services at TitleMax had a positive experience with the staff and how informed they felt about the process before securing their loans. Some of the 5-star reviews for TitleMax were posted within 2 hours of the time of our research, showing that this is an active site, and one that customers are regularly using to support their finances.
A good option if you're in the service area
If you're looking for an informative and friendly location to secure a car title loan, it might be worth it to check out TitleMax. There are only two drawbacks, though. You can only work with TitleMax if you're in one of 16 states, which is a smaller selection than we've seen at some of our top competitors. On top of that, the total loan amount is capped at $10,000, which is much lower than other car title loan sites, too. TitleMax remains highly competitive if you live within the service area or don't need a very large sum of money.
Good
Advance America is a site for various financial services, known as a large provider for short-term and small amount loans (like payday loans or installment loans). Advance America offers options for car title loans through its loan services, and you can also find assistance with check cashing, tax services, and more. The company was originally opened in 1997, founded as Purpose Financial until it grew into Advance America.
Service in only 7 states
Advance America's service area for car title loans is really limited compared to some of the other services we've researched. Advance America offers its services in California, Florida, Indiana, Missouri, Ohio, South Carolina, and Utah. For their other services, you can find more availability. However, if you're particularly looking for a car title loan, you'll have to live in one of those states to qualify.
Quick quote process, but make sure you have your details
Starting the quote process for your car title loan at Advance America is simple. If you live in one of the states serviced here, you can ask for up to $25,000 in car title loans. The application asks for your name, location, and vehicle details. You will need to provide your phone number before you proceed. From there, you'll be sent over to Loan Center (which is a third-party site) and asked for more details on your personal information, your living situation (to gauge your existing expenses), and details about your employer to ensure that you will be able to pay back the loan. Be prepared to have both your driver's license and your Social Security number on hand to proceed.
Expect between 25%-50% of your car's value
At Advance America, it's generally a quick process for getting your loan deposited once you're approved. According to our research, these car title loans are easy to qualify for, and can offer you funding the same day. Generally speaking, Advance America's partner lenders offer between 25% and 50% of your car's market value. So, for a vehicle like our test car, which was a 2021 Honda Civic hatchback four-door with 35,000 miles worth around $20,000, you can expect to get between $3,000 and $10,000. Generally, your funds will be sent through direct deposit, so you'll need to have a savings or checking account ready.
Top marks from customers across the board
Advance America is one of the best-rated sites for car title loans in our review. It currently holds an "A+" rating and accreditation through the Better Business Bureau. On top of that, it stands out with an impressive 4.9-star average rating on third-party review sites like Trustpilot. This includes over 120,000 individual customer reviews, with over 92% of all posted comments showing a full 5 stars. Recent reviews were posted within just 10 minutes of the time we were conducting our research, showing that customers are regularly using Advance America for car title loans. Many customers who called in to get their quotes handled praised particular customer service members at Advance America. On top of that, it was praised for the quick process and payout for the different types of loans through this platform.
Great pick if you live in a covered state
Advance America is an extremely reliable service in terms of customer satisfaction. With competitive offers for our test vehicle, and top-notch reviews on both the Better Business Bureau and Trustpilot, it stands out from the pack. The only big downside to Advance America is that it has a more limited service area than most of the other car title loan services in our review. If you live in one of the seven states where they offer car title loans, you're in luck, and we highly recommend Advance America. However, if not, you're a little out of luck.
Average
Loan Center (otherwise known as Wilshire Commercial Capital LLC) is a company that provides a variety of financial services. You can get regular auto loans, personal loans, refinancing options, and (of course) car title loans. The main company is headquartered in California. Unlike many other car title loan sites in our review, Loan Center offers a large section of help material on the site, from Q&A to full tutorial articles on finance to help you understand your options.
Not all states are listed for service
Loan Center does not list its entire service area on the website, but our research turned up some of the states where it definitely offers car title loans: California, Florida, Georgia, Nevada, Texas, Washington, and New Mexico. If your state isn't listed, don't worry yet. You might still be eligible to apply. You'll just have to check Loan Center's website when you start prequalification to see if you can get your car title loan where you're located.
Ask for between $2,510 and $50,000
You can start your pre-qualification online and expect to borrow between $2,510 and $50,000 against the value of your vehicle. When you get started with the form, you'll first offer quick details about your car, like the year, make, model, trim, and mileage. You'll also type in how much money you're hoping to get out of the loan. Finally, you'll add your name, email, phone, and location. For our test car, we submitted a 2021 Honda Civic Sport 4-door hatchback. The vehicle had 35,000 miles on it, worth around $20,000. After the preliminary information, you'll need to add more details, like whether you own your home or not, and your employer information, to determine how much money you earn and spend to see if you can pay back your loan. At this point, you'll want to be prepared with all your official information, like your car's VIN, your license plate number, your insurance carrier, your driver's license number, and your Social Security number. This questionnaire for Loan Center is quite detailed before you get your offers.
Get your money any way you prefer
After your pre-approval, you'll get your money sent either through a direct deposit or via check. Loan Center may offer cash if you complete your application at a store location. Your repayment plan will be determined by the specific lender that makes you an offer through Loan Center.
Decent reviews on Yelp
Loan Center, regrettably, has an "F" rating on the Better Business Bureau. On top of that, we struggled to find reviews for this car title loan platform on our usual third-party review sites. We did find some reviews on Yelp, but this was only for a few specific in-person branches. The most reviewed branch was in California. This branch had an above-average 3.4 stars out of 5. Recent reviews agreed that the process for securing a loan at Loan Center was fast and easy. Customers appreciated that there were options for car title loans, even for those with low or no credit. One customer said she got qualified in 6 minutes. While there were some low-scoring reviews for customers who were frustrated that they weren't approved, many asked for amounts that were below Loan Center's minimum threshold. Others were frustrated by high interest rates, but that does come with the territory for car title loans.
A balanced option with quick and easy cash
Loan Center stands out just by having reviews, which is more than we can say for many rival car title loan providers in our review. And, unlike other sites, it seems Loan Center offers its own loans rather than connecting you with partner lenders. However, with an "F" rating from the BBB, it doesn't quite make our favorites. Still, if you're looking for a place where you can get approved (as long as your requested amount isn't too low), you might want to try prequalifying at Loan Center.
Fair
EZ Title Loans promises that it's a simple process for those hoping to get a quick car title loan with no hassle. The company is known for its bad credit or no credit loan options, so you can borrow with your car as collateral without worrying about your credit history. Even bankruptcy won't keep you from qualifying. So, if you're looking for a site that offers car title loans without much worry about getting a decent offer, EZ Title Loans may be worth a look.
Service in around 12 states
EZ Title Loans has a much more limited service area than many of the sites in our review. According to their primary locations, you can definitely get service in Florida and Illinois, but other places may need an extra check on the site's online location finder. According to our research, you can generally get a car title loan in Arizona, Florida, Illinois, Delaware, Mississippi, Missouri, Nevada, South Carolina, Tennessee, Texas, Utah, and Wisconsin.
Quick pre-approval for $15,000
To start your quote on EZ Title Loans, you'll be asked about your vehicle first. You'll need to know the year, make, model, style, and mileage estimate for your vehicle. You'll also be asked for your zip code, and almost immediately, you'll have a pre-approved estimate for your loan amount. During our review, our test car, which was a 2021 Honda Civic (the 4-door hatchback sport model), we were offered a pre-approved amount of $15,000. From there, you would call a location and finalize your loan with a lending specialist.
Get your cash within 24 hours
EZ Title Loans delivers with quick and easy service. Once you're approved for your loan, you'll have your cash within 24 hours, making this one of the fastest approval options for car title loans. Plus, EZ Title Loans promises guaranteed online approval with pre-qualification that's almost instant. The fastest way is a direct deposit transfer to your bank account.
Zero third-party feedback
EZ Title Loans is not currently rated by the Better Business Bureau, and we couldn't find any third-party reviews for this company on Trustpilot, Sitejabber, or even Yelp: there was zero feedback for this from customers. While we could find a few sites that did professional reviews, there were no ratings or scores to speak of. This makes EZ Title Loans a pretty big question mark. If you decide to go with this car title loan provider, you might want to do a little extra research on its lending partners before you commit.
Be prepared for extra research to be safe
While having no reviews doesn't necessarily mean that EZ Title Loans isn't a trustworthy site, it is a lot harder to judge than car title loan providers that have (at least some) feedback. While the amount we were prequalified for was competitive, and it does offer service in around a dozen states, we'd still like to see a bit more buzz for this company before recommending you trust it with your finances. If you're comfortable with extra research on the lending partner, though, it may still be worth a look.
Subpar
Speedy Title Loans is a service, like many of the car title loan sites in our review, that matches you or refers you to loan servicers that can offer money for the value of your car. Speedy Title Loans offers car title loans for regular cars and motorcycles, too, so if you don't have a traditional vehicle, you aren't left out. There are some requirements to apply here that are more stringent than those at other sites in our review. For example, you have to be able to prove a minimum income of $1,500 per month to qualify.
Only available in 4 states
Speedy Title Loans' service area is extremely limited. You can only get service in four states: Florida, Ohio, North Carolina, and Michigan. So, if you aren't in one of those states, you're out of luck. By comparison, most of the other car title loan providers in our review have much larger service areas, so Speedy Title Loans is falling behind the pack.
Immediate offer for $14,437.50
Speedy Title Loans allows you to borrow any amount up to $50,000. When you fill out the online application, you'll need to answer the usual questions: what's your car make, model, year, and trim? You'll also be asked for your full name, email, phone number, and how much you're hoping to secure from your loan. As soon as you finish filling out the forms, you'll be shown an estimate for what your vehicle is preapproved at. We put in a test vehicle that was a 2021 Honda Civic 4-door hatchback with 35,000 miles on it. Speedy Title Loans transferred us to Choice Cash, which seems to be a popular lender for our area (it's been used by several car title loan companies in our review). We were offered $14,437.50 for the car. (Not sure why there's that extra fifty cents. Why not round up or down?)
Quick payouts via cash, debit, or direct deposit
Speedy Title Loans offers payouts through direct deposit. So, make sure you have a bank account ready to go. You can also get instant funding to a debit card, which is a different option than we've seen at some rival car title loan sites. You can also pick up cash if you want to go to a store location, if cash is easier for you.
Most reviews paint a pretty bad picture
Speedy Title Loans is currently not rated by the Better Business Bureau. There are a handful of reviews for this service on Trustpilot, but the news isn't great. On average, Speedy Title Loans has a 2.9-star rating out of 5. The two most recent reviews were both 1-star scores. Customers noted that there were unauthorized charges and zero grace periods for payments. One customer warned, "Don't miss a payment or you'll miss your car." So, watch out that you keep up with your payments exactly on time. There were also some concerns about scam calls at Speedy Title Loans. Yikes.
Not worth the risk
Speedy Title Loans sounds like a decent choice when you first get started, but according to the few reviews we found on verified third-party review sites, you might want to be cautious. With issues including zero customer service if you miss a payment or lots of scam calls (or even unknown charges), there are a lot of reasons to be skeptical of Speedy Title Loans. Considering your financial future, you might want to check one of the other sites that use similar lenders instead. The offer wasn't any different from what we've seen with more reliable sites.
Weak
Easy Car Title Loan is a loan service site that stands out for having been featured on major news outlets. Unlike other lenders or sites that connect you with lenders, which seem to operate in their own little bubble of finance, Easy Car Title Loan claims to have been featured on CNBC, Forbes, Nerdwallet, and RealSimple, which seems to give it a bit more credibility than other sites that nobody has heard of (more on this later). You can apply fully online, and you don't have to worry about qualifying, as those with bad or poor credit or bankruptcies on record will be accepted by Easy Car Title Loan.
Seemingly nationwide loans
Easy Car Title Loan claims to have a "nationwide network," but there are no details about which states specifically get service. We're not sure if it is really nationwide or not (though we think it's unlikely, since no other sites in our review offer service in 100% of the US). We tried a few different state zip codes during our preview of the quote process, and all were accepted. If the company does offer loan opportunities across the entire US, Easy Car Title Loan stands out as one of the most competitive in terms of service area in our review.
Grab up to $50,000
Easy Car Title Loan offers loan amounts up to $50,000, depending on your car, its year, make, model, and condition. The estimate for your loan is a quick process that includes questions about your car, like the make, model, year, style, mileage, and your current zip code, and yourself, including work and how you are able to pay off the loan later. Once we completed the preliminary process, using the same test car (a Honda Civic from 2021, the 4-door sport model with 35,000 miles on it), we were sent to one of Easy Car Title Loan's partner lenders: Choice Cash. There, we were offered the same amount as with the last service that used Choice Cash: $14,438 for the Honda Civic. At least you know you're getting the same approval every time, rather than being judged differently through different sites.
Quick direct deposits
Easy Car Title Loan offers a quick application process with a promise of same-day loans for those who are accepted. You also won't have any penalties if you want to pay off your loan early. You can return the cash anytime, and not worry about additional fees. Easy Car Title Loan offers a direct deposit or a check for the initial payout.
No reviews, and we can't find articles either
Easy Car Title Loan does not have a page with the Better Business Bureau nor any reviews on our trusted third-party review sites. Further, we did some digging, and we could not find articles on Forbes that covered this company (or spoke of anything positive). Our research showed a handful of articles with similar keywords to the name of the company, but nothing about Easy Car Title Loan directly. We're somewhat concerned by the dishonesty on Easy Car Title Loan's site about this, and the total lack of reliable reviews elsewhere. While it connects to similar partners who will do the actual lending as trusted car title loan sites, Easy Car Title Loan itself isn't as competitive in transparency.
Dishonest about its popularity
Easy Car Title Loan seems like a decent choice with a similar process and the same monetary offer as other car title loan providers in our review, but there are some transparency issues and drawbacks to consider. With zero reviews, there's no way of knowing how reliable Easy Car Title Loan is with repayment and your financial security. Since we also double-checked the claims about Forbes articles and were disappointed by the lack of honesty, Easy Car Title Loan falls near the bottom of the list. You may be fine with the specific lender with which you're matched, but you'll want to be much more cautious.
Poor
Auto Cash USA is a company that specializes in car title loans, often offering same-day service for the money transfers. Known for being a particularly helpful service for those who have low or poor credit, and you don't have to worry about a credit check (so, you won't have any negative impact on your credit score or if you pay off your loan on the planned schedule).
Loans in 14 states
According to our research, Auto Cash USA primarily operates in 14 states in the US, so there are some limitations on where you can get your car title loan. If you live in Alabama, Arizona, Delaware, Georgia, Idaho, Louisiana, Mississippi, Missouri, Nevada, South Carolina, Tennessee, Texas, Utah, or Wisconsin, you're in luck. Otherwise, you might need to find a different car title loan service to help you out.
Submit a form and wait for a call
Auto Cash USA is less user-friendly than some of the other car title loan sites in our review. Many of the images on Auto Cash USA are blurry or strangely formatted, making it feel like a lower-quality site overall. Other things, like text and buttons, are extremely small and may be harder to read for some customers. However, the site does work to connect you with a loan company. Once you put in your personal information, car details, and zip code, you'll be directed to local car title loan providers that partner with Auto Cash USA. Once you select a location, an agent will call you immediately. You will need to have your photo ID ready, proof of income, your vehicle ready to bring in for inspection, and the title of your vehicle. The payout options are much lower for Auto Cash USA, too. You can only expect to get up to $15,000, no matter what kind of car you have.
Get your cash the same day
Auto Cash USA pays out through direct deposit. You'll keep your car during the entire process, but you will need to repay (depending on your specific offer and terms) within 15-30 days. Our research shows that you might be able to get your funds the same day once your details are confirmed by the lender. As with most car title loans, you can expect high interest rates, but those will only be shown once you get your final offer through the phone call.
Extremely negative or no feedback
Auto Cash USA, regrettably, holds an "F" rating from the Better Business Bureau. This is due to the failure to respond to multiple complaints, and several additional complaints that remain completely unresolved. On top of that, we struggled to find any reviews for Auto Cash USA on our regular third-party review sites. It has no presence on Trustpilot, and we couldn't find reviews for this site even on places like Yelp. For this reason, we had to rely solely on the BBB rating, which suggests that you might want to stay away from Auto Cash USA if you can.
No real reason to pick this service
Auto Cash USA isn't a top contender in any way. It doesn't offer much in the way of loan amounts (only $15,000), it doesn't offer its services in very many states, and you can't complete most of the process online. You have to wait for a call back (and we didn't receive one within several hours, which was frustrating). Further, Auto Cash USA's only feedback is an "F" rating from the BBB due to unanswered or unresolved complaints. For these reasons, Auto Cash USA earns one of our lowest ratings overall.
Continued from above...
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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