Monday, July 7th
2025 Car Title Loan Provider Reviews
EZ Title Loans
- 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.
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.
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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.
Car Title Loan Provider FAQ
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!
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