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The Best Car Title Loan Providers

Where Can You Find the Best Car Title Loans?

If you're considering a car title loan, chances are good that you've come across some unexpected bills. Maybe your car broke down and you need it fixed quickly to keep your job. Or your roof started to leak after a storm and you can't wait on your insurance adjuster to take months to get the claim paid. Many Americans find themselves in trouble and don't have many options for getting money fast. That's where car title loans come in.

How does this type of loan work? If you own a vehicle free and clear, you can use its title as collateral to secure a short-term loan. The good thing is, you don't have to stop using your car: continue to drive it as you usually would, until the loan is repaid in full and you get the title returned to you.

Wednesday, February 1st

2023 Car Title Loan Provider Reviews

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

Max Cash Title Loans

5 Star Rating Top Consumer Reviews Best-In-Class Blue Ribbon Award

Max Cash Title Loans is the biggest lender in our review, with more than a million customers served nationwide. You won't find another car title loan service that operates in 49 out of 50 states: most of Max Cash's competitors only work in a small handful of locations. With competitive interest rates, easy options for getting your funds, and a fantastic customer service team, Max Cash is the obvious choice for most people looking for a car title loan.

Loan Mart Review 4 Star Rating

Loan Mart

4 Star Rating

LoanMart is an excellent choice for getting a car title loan - if you happen to live in one of the eight states where they do business. They make it very easy to apply for a loan and get your money, 100% online if you prefer and without having to bring your title into a brick-and-mortar office. "A+" rated by the BBB and with lots of positive feedback from clients, LoanMart is one of our top picks for car title loans.

Loan Center Review 3.5 Star Rating

Loan Center

3.5 Star Rating

Loan Center offers car title loans in eight states. Their interest rates are competitive on loans up to $30,000, and aside from a phone call to complete your application you can get your loan 100% online. The BBB gives Loan Center's parent company an "A+" rating, making this a service to look at if you live in one of the states where they offer car title loans.

American Auto Title Loan Review 2 Star Rating

American Auto Title Loan

2 Star Rating

American Auto Title Loan is the little engine...that couldn't. The site gives every impression of being a good place to get a loan, until you actually try to apply. No one was home at their toll-free number either. If you can get through to a loan specialist, you might get a great car title loan here; almost 400 people gave the company a 5-star rating. But, if you prefer an experience that's less of a toss-up, use a lender with a better (or more current!) reputation.

TitleMax Review 1.5 Star Rating


1.5 Star Rating

TitleMax has a 14-state service area that includes Texas, Arizona and Kansas for car title loans up to $10,000. The lender doesn't come right out and tell you how much you'll pay in interest, and their "F" grade from the BBB should be enough to convince you to go somewhere better for your car title loan.

Auto Cash USA Review 1 Star Rating

Auto Cash USA

1 Star Rating

Auto Cash USA provides title loans through licensed vendor locations in under a dozen states. Loans can be made from $300 to $15,000 and funds are available within 30 minutes. But, this service has an extremely limited service area, and worse yet the BBB gives them - and all of the additional car title websites their parent company owns - a rock-bottom "F" rating. Go somewhere else to get a car title loan you can feel good about.

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Car title loans are also attractive because they rarely require you to have a great credit history: you're guaranteeing that you'll repay the loan by borrowing against your car's value, so credit isn't really a factor. Of course, that's one of the downsides too: if you don't pay the loan back, you stand to lose your transportation, and you can't borrow more than your car is worth. That's cool if you're driving a Porsche, but if you drive a 20-year-old beater you might not get much out of a title loan.

Another thing to keep in mind is that car title loans usually have really high interest rates: in the triple digits isn't unheard of. You'd be wise to see if other, lower-interest rate personal loans are a possibility before you turn to a car title loan for your cash needs.

So, all that being said, how can you tell which car title loan provider to use? There are a lot of them out there, and some of them are less-than-reputable in the way they treat customers. Here are a couple of factors to check out before you commit to a car title loan:

  • Reputation. First and foremost, what do people have to say about their experience with a particular lender? Was the borrowing process totally transparent - in other words, they knew what they were getting from start to finish? A positive rating from the Better Business Bureau is another good indicator that you can trust a given car title loan service.
  • Interest Rates. How much will your loan cost in the end?
  • Repayment Terms. How long will you have to pay your loan back in full? Will it be enough time to make every payment on or before the due date?
  • Convenience. How easy is it to apply for a car title loan? How quickly will your loan funds be deposited or paid via check? Do you have to bring your title to an in-person location, and if so, is there one near you?

TopConsumerReviews.com has evaluated and ranked the best options among providers of car title loans today. We're confident that this information will help you get the money you need with loan terms you can afford!

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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