Car Title Loan Process | Get Your Same Day Title Loan From Us

Need Cash Now?
Get Approved
In Minutes!


Get From $2,510 to $50,000* and receive approval in minutes. No Credit? Bad Credit? No Problem. Get Same Day Cash And Keep Driving Your Car. Fast, Convenient, No Hassle Process. Apply Now and Find Out How Much Money Your Car Qualifies For!

How Much Cash Can i Get?

Car Title Loan Process

If you are at all confused by the car title loan process, we would love to help explain it to you. Here, at TFC Title Loans, the process for getting car title loans is fast and incredibly simple because we help you each step of the way. We make it a priority that you understand how the car title loan process works so that you are always making informed decisions that benefit your finances. With over 20 years of experience in the title loan industry, we have been able to perfect the lending process so that it works best for our customers.

Ever since TFC Title Loans opened our doors in 1994, we have worked hard to create a company culture of open communication with our customers. We care deeply about customer service and education which is why we layout the entire process for you in this article so you can know what you are getting into before you even take the first step. With this second-to-none customer service, we have drawn thousands upon thousands of customers to work with our lending company over all others. If you wish to understand the process of car title loans more fully, then please continue reading. If you feel that you are ready to get started in that process, then fill out our online application or give us a call today!

Car Title Loan Process

The car title loan process consists of several main steps including an online application, a call from us, documents needed, a vehicle inspection, signing the loan terms, picking up your money, paying off the loan, and getting your title back. We even have a car title loan process to payoff other companies and refinance your title loan and save you money.

Online Application

In our simple online application, you only need to input your first and last name, a phone number best to reach you at, your email address, and the year and make of your vehicle. This is only to start the process for one of our sales reps to contact you back and then start to gather additional information to get you your car title loan.

Call from Us

After we receive your online application, we review it to get an estimate for a free quote on what you may be able to borrow on your vehicle. We then give you a call directly after to discuss your free quote and the next steps of moving forward if you are still interested. When we call you we will ask for additional information about your car. We will need the license plate number and more importantly the VIN number. The VIN number will let us know the exact model of your car and all of the additional addons if there are any.

Documents Needed

  • Original vehicle title or the pink slip (if you lost it, we can help you apply for a duplicate)
  • A government-issued identification matching the name on the title. We usually work with your driver’s license because that is the most relevant piece of ID.
  • Proof of Residence, it is important for us to know that you have a stable residence. We are looking for the following . (recent utility, cable bill or credit card statement)
  • Proof of vehicle insurance. We will call your insurance company to confirm the coverages and also add our name to the policy as the loss payee. If you do not have insurance, we can help you get a policy and deduct it from the title loan.
  • Proof of income or ability to repay the title loan. This is the most important part of our underwriting process. We will need to see bank statements or paycheck stubs for us to verify the income. We have to make sure that you can afford the car title loan.
  • 5 personal references (Name, Phone Number and Relationship) of all five people.
  • Pictures of the vehicle showing four sides as well as the VIN plate and the odometer, we need to see the condition of the car first and also verify that the miles are correct. (visit our Submit Pictures section found under the Resources tab for a step by step)

Come Visit Us for a Vehicle Inspection

This part of the car title loan process is not extensive and usually only takes a few minutes to conduct. We do this inspection mainly to confirm what was in the picture you sent to us and that there aren’t any major damages that would greatly decrease the street value of the vehicle. We have some locations that are only inspection stations.

Finalize Your Car Title Loan Process Terms with Us

Our car title loan process terms are unique to each one of our customers because we know that each individual’s needs are unique. We sit down with you and go through your specific terms including your interest rate and scheduled monthly payments. Our title loan terms run from 24 months to 48 months. We will use the equity of your car, so you can get the money you need. It all depends on your needs and what we can get approved for. We will show you how much your payments are going to be and when they are due. We will tell you how much your late fee is and when you will be charged the late fee.  You sign, we sign and we will get you the check for your title loan!

Walk Out with Your Money

Once you have finalized and signed the terms of your title loan with us, we hand you your money and you can be on your way. You can use the money for whatever you might need it for because now it is yours. We are also able to direct deposit the check in to your account if you need that. You can even use your motorcycle to get a title loan, yes we do motorcycle title loans too.

Strategize Paying Off Your Title Loan

Once you have the money in your hand it would be a smart idea to start planning how you will pay off the title loan. Strategizing is always a great step to make sure that you are on track and won’t default. We even suggest attempting to pay off your title loan early. We charge absolutely no prepayment penalties so you can pay off the title loan as soon as you wish. This could save you a lot of money on interest. If you start having any struggles in the car title loan process, we highly encourage you to contact us at any point to express your worries. We can help you navigate any roadblocks you may face along the way. We want to see you succeed. You can always make your payments a few days early, so you will save on some of the interest. You can always round up your monthly payments and pay a little more in each month and again this will also save you some money on the interest. You could also pay ahead and then pay half of your payment on the first and half on the fifteenth so you will always be paying ahead. At the end of the year, you will have made one more payment but again there will be many savings on the amount of interest that you pay on your car title loan.

Get Your Title Back from Us

Once you have fully repaid the car title loan, we will sign your vehicle’s title in order to signify that we have released the lien we originally placed on the vehicle. After that, we will mail the title back to you unless you wish to pick it up in person. Once you receive the title back and all you will need to do to remove our name off the title is to go to the DMV and then you can have our name removed. If you wish you can also just leave the title or pink slip as is, it does not affect your car title because we have

If you are left with any questions whatsoever after learning about the car title loan process, then please give us a call. We have customer service representatives standing by who would be happy to answer any questions you may have. However, if you have decided that you would like to apply for a title loan with TFC Title Loans then get started with our application online today! Remember we can offer you more money and lower interest. Come to TFC Title Loans, we are the best. 

Click here for more information on car title loans.

Lenders Law Licence Number by DBO 6038192