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Title Loans

Get cash.
Keep your car.

Bring your car to a store nearby to start your application.

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Mint Vintage Toy Car

Bring your car to a store nearby to start your application.

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Select your state to see loans and amounts.

Icon depicting 30 MINUTES OR LESS.
30 MINUTES OR LESS.
Finish your car inspection and loan application in less time than it takes to change your oil.
Icon depicting ANY YEAR, MAKE, OR MODEL.
ANY YEAR, MAKE, OR MODEL.
Based on your state and the value of your vehicle, you could borrow $100 to $25,000.
Icon depicting POOR CREDIT? OKAY.
POOR CREDIT? OKAY.
People with not-so-great credit can get a title loan (vs. other loans) because the car title acts as collateral.
Icon depicting DRIVE AWAY WITH $$$ (AND YOUR CAR)
DRIVE AWAY WITH $$$ (AND YOUR CAR)
You can keep driving your car while making payments on the loan.

Happy Customers

Trustpilot

Actual Customer Testimonials

How it works:

1

Arrive in your vehicle.
Bring your vehicle to a participating Speedy Cash location.

2

Complete an application.
We'll ask for some basic contact, income, and vehicle information.

3

Get your vehicle inspected.
Don't panic. We'll do a quick appraisal of your vehicle to determine its value and that, along with your income, helps to determine your loan amount.

4

Receive a Lending Decision.
Our friendly team will assist you along the way and if you're approved, they'll let you know how much you're approved to borrow.

5

Review & Sign Docs.
Carefully read and sign your loan documents then drive away with cash and your car!

6

Repay over time.
The lien on your title will be released once your loan is paid in full.
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What do I need to apply?

  • Checked
    Vehicle in driving condition
  • Checked
    Clear title or proof of 1st lien*
  • Checked
    Proof of address
  • Checked
    Valid ID
  • Checked
    Proof of vehicle insurance

Some states may require additional information. Call a nearby store to find out if more info is needed.

*Clear title required in Mississippi, Nevada, and Texas.

Before you
borrow

  • Does your reason for needing the loan outweigh the total cost of the loan?
  • Are you confident you will be able to make the payments?
  • Consider the alternatives, like asking friends or family members or applying for another type of loan.
If you answered "yes" to these questions, then Speedy Cash might be able to help!

Reasons
people use
car title loans1

  • Have trouble paying bills
  • Face an unexpected expense
  • Need a larger amount than a payday loan
  • Have poor credit

1Auto Title Loans: Market practices and borrowers' experiences provided by PEW Charitable trusts.

Alternatives

Title loans are an expensive form of credit. If you have access to cheaper alternatives, that may be in your best interest.

Look into a Payday Loan.

If you are needing cash to just get you by until your next payday, then maybe consider a payday loan. The downside is payday loans typically max out at $1,500.

Consider a co-signer.

A co-signer might help you qualify for a loan. Co-signers are responsible for the loan if you don’t pay it back. Study up on the risks before going this route.

Ask for help with bills.

Some creditors, landlords, and medical providers might give you extra time to pay off a bill, so don't be afraid to ask. Other charitable and government organizations might help, too.

Explore ways to make extra money.

If time is on your side, consider options to supplement your income like selling unwanted items or freelancing.

Get a small loan from a community bank.

Some credit unions or local banks might offer short-term loans with more affordable rates. This is one of the top alternatives recommended by the FTC.

I'm ready to apply.

Where can I find a title loan near me?

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Title Loans Help Center

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Español 1-855-734-0111

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© 2023 Speedy Cash. All Rights Reserved.

Product types and maximum loan amounts vary by market. Subject to state regulations, eligibility, credit check, underwriting and approval. Rates, terms and conditions apply. Title loans subject to minimum auto value requirements. See associate for details. Lending decisions and funding times subject to system limitations. Some applications may require additional verification, which can delay the lending decision.

Short term loans should be used for short-term financial needs and not as a long-term financial solution. Customers with credit difficulties should seek credit counseling.

The credit decision on your application may be based in whole or in part on information obtained from a national database including, but not limited to, TransUnion, Equifax, LexisNexis or FactorTrust, Inc.

†Instant funding is not applicable for all debit cards and is not available in Ohio, Oklahoma, Oregon, or South Carolina. Subject to system limitations. Some restrictions may apply.

∞Cash advances only available up to approved credit limit; some restrictions may apply.

NOTICE: The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided the applicant has the capacity to enter into a binding contract); because all or part of the applicant’s income derives from any public assistance program; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The Federal agency that administers compliance with this law concerning this creditor is the Consumer Financial Protection Bureau, 1700 G Street NW, Washington DC 20006 and the Federal Trade Commission, Equal Credit Opportunity, Washington DC 20580.

Alabama: Minimum age to apply in Alabama is 19.

California: Deferred deposit loans are provided in accordance with the Department of Financial Protection and Innovation pursuant to California Deferred Deposit Transaction Law, Cal. Fin. Code §23000 et seq.

Customers who are California residents may request information from us to know what personal information we may collect, have, or maintain about them and what we do with it per the California Consumer Privacy Act (CCPA) and the California Privacy Rights Act (CPRA). If you are a California resident and wish to make a request under CCPA or CPRA, click on the “Do Not Sell or Share My Personal Information” button or link.

Nevada: The use of check-cashing services, deferred deposit loan services, high-interest loan services or title loan services should be used for short-term financial needs only and not as a long-term financial solution. Customers with credit difficulties should seek credit counseling before entering into any loan transaction.

Tennessee: The State of Tennessee requires a minimum principal reduction. In order to comply with the minimum state-required principal reduction, Speedy Cash requires that minimum payments include a principal reduction of 2% or $2.50 for Customers who get paid bi-weekly/twice-a-month, or 4% or $5 for Customers who get paid monthly, whichever is greater.

Texas: Speedy Cash operates as a Registered Credit Access Business (CAB). The actual Lender is an unaffiliated third party. Speedy Cash engages in the money transmission and/or currency exchange business as an authorized delegate of MoneyGram Payment Systems, Inc. under Chapter 151 of the Texas Finance Code. If you have a complaint, first contact MoneyGram Payment Systems, Inc. at 1-800-MONEYGRAM. If you still have an unresolved complaint regarding the company’s money transmission or currency exchange activity, please direct your complaint to the Texas Department of Banking: 2601 North Lamar Boulevard, Austin, TX 78705-4294, 1-877-276-5554 (toll free), www.dob.texas.gov.

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