Need cash quickly? A car title loan lets you access funds using your vehicle’s equity—without giving up your car. With our fast online application, same-day funding, and flexible repayment options, you can get the money you need today.
Here at TFC Title Loans we have been helping people since 1994, to get the emergency money that they need. We will help you to get the right loan, with the best terms for you.
All of the lenders that we work with, comply with the CFPB, so you ca be sure that you will be working with a trustworthy lender.
What Is a Car Title Loan?
A car title loan is a secured loan where your vehicle’s title is used as collateral. You keep driving your car while the lender holds the title until the loan is repaid. The loan amount is based on:
- Your vehicle’s value and equity
- Your income and ability to repay
Title loans are commonly used for emergencies, unexpected bills, or temporary cash flow needs. Because they are secured by your vehicle, approval is often faster and less dependent on credit history than traditional loans.
Why Choose a Car Title Loan?
- Fast & Convenient: Apply online or in-person and receive funds quickly, often the same day.
- Bad Credit OK: Approval focuses on vehicle equity, not credit score.
- Keep Your Vehicle: Continue driving while repaying your loan.
- Flexible Options: Choose from single-payment loans, installment loans, or refinancing to reduce payments.
How to Apply for a Car Title Loan
- Submit Online Application: Enter details about your car (make, model, year, mileage).
- Upload Required Documents: Vehicle title, proof of income, government-issued ID, and insurance.
- Get Matched With Lenders: Compare multiple licensed lenders and their loan terms.
- Receive Your Funds: Direct deposit or in-person pickup, often same-day.
- Repay or Refinance: Flexible repayment schedules or refinance to lower monthly payments or extend terms.
Types of Title Loans Available
- Single-Payment Title Loans: Full repayment in a short term (usually 30 days).
- Installment Title Loans: Pay over several months for easier budgeting.
- Vehicle Equity Loans: Borrow based on your vehicle’s equity rather than full value.
- Online Title Loans: Apply, submit documents, and get funds entirely online.
- Refinancing Title Loans: Lower monthly payments or interest by refinancing an existing title loan.
Eligibility Requirements
To qualify for a car title loan, you typically need:
- A clear vehicle title in your name
- Proof of stable income
- Valid government-issued ID
- Vehicle insurance
- An active bank account for direct deposit
Note: Specific requirements may vary by state and lender. Always check with the lender for their rules.
Benefits of Working With TFC Title Loans
- Fast approval and same-day funding
- Flexible repayment plans and refinancing options
- Access to a nationwide network of licensed lenders
- Transparent loan terms with no hidden fees
- Guidance throughout the application process
Frequently Asked Questions
You can visit our FAQ page for more information.
Can I apply with bad credit?
Yes! Vehicle equity is the primary factor for approval.
How fast will I get my funds?
Most borrowers receive funds within 24 hours of approval.
Can I refinance my loan?
Yes, refinancing can help reduce monthly payments or extend your repayment term.
Do I need to give up my car?
No. You continue driving your car while repaying the loan.
Get Started Today
Don’t wait for cash—apply online today for your emergency title loan and get fast access to funds using your car’s equity. Our licensed lenders will help you find the best terms to fit your budget and financial needs.
