Motorcycle Title Pawns & Motorcycle Title Loans – Fast Cash Using Your Motorcycle

When unexpected expenses arise, quick access to cash can be critical. TFC Title Loans offers a simple way to tap into the equity in your motorcycle while keeping it in your possession through motorcycle title pawns. Whether you have fair or bad credit, you can get funds quickly and securely using your motorcycle as collateral.

Motorcycle title pawns, also known as motorcycle title loans, allow you to borrow against your motorcycle’s value while continuing to ride it. With our nationwide network of licensed lenders, we help you find the right loan with competitive rates and flexible repayment options.

All of the lenders that we work with , fully comply with the CFPB.

What Are Motorcycle Title Loans?

A motorcycle title loan is a type of secured loan where your motorcycle’s title is used as collateral. The lender holds the title while you continue to use the motorcycle. Loan amounts are based on the motorcycle’s equity rather than your credit score, making these loans accessible even for individuals with bad credit.

Motorcycle title loans are sometimes referred to as:

Motorcycle title pawns
Motorcycle title loans online

These loans provide a convenient alternative to traditional loans or payday loans, with faster approval and funding.

For more general vehicle options, see our Car Title Loans page or Title Pawns & Title Loans Guide.

How Motorcycle Title Pawns Work

Here’s how the process works:

Complete an Application – Apply online or call our team. Provide basic information about your motorcycle (year, make, model, mileage).
Submit Documents – You’ll need a lien-free motorcycle title, proof of income, government-issued ID, and proof of insurance.
Loan Evaluation – The lender assesses the motorcycle’s value and equity to determine the loan amount. Some lenders may require photos or a quick inspection.
Receive Funds – Once approved, funds are disbursed via direct deposit or in-person pickup, often the same day.
Repayment – Choose a repayment plan that works for your budget. Once fully repaid, your title is returned.

For step-by-step instructions on other types of loans, see our Apply for a Title Loan page.

Benefits of Motorcycle Title Pawns

Quick Access to Cash – Often within 24 hours.
Keep Riding Your Motorcycle – Unlike selling your bike, you maintain possession.
Bad Credit Options – Approval is based on equity, not credit score.
Flexible Repayment Terms – Monthly or lump-sum options, with no prepayment penalties.
Competitive Rates – Secured loans often have lower interest rates than unsecured alternatives.

Types of Title Loans Available

Motorcycle title loans are part of a broader family of vehicle title loans. Options include:

Car Title Loans – Use your car’s title as collateral. Learn more
Motorcycle Title Loans – Use your motorcycle’s title while keeping your bike.
RV & Recreational Vehicle Title Loans – For motorhomes, campers, or travel trailers.
Commercial Vehicle Title Loans – For work trucks, vans, or fleet vehicles.
Classic & Specialty Vehicle Title Loans – For vintage or collectible motorcycles.
Installment Title Loans – Pay back over time.
Single-Payment Title Loans – Repay in a lump sum at the end of the term.
Online Title Loans – Apply and receive funds digitally. Learn more

Motorcycle Title Loan Refinancing

If you already have a motorcycle title loan or pawn with another lender, refinancing can help:

Lower your monthly payments
Reduce high interest rates
Access additional funds if equity remains

Also called a title pawn buyout, refinancing replaces your existing loan with better terms while keeping your motorcycle.

Eligibility Requirements

To qualify for a motorcycle title pawn, you generally need:

A lien-free motorcycle title in your name
Valid government-issued ID
Proof of income
Valid insurance on the motorcycle
Minimum age of 18
Working phone number and email

Some lenders may also require:

Minimum income threshold
Motorcycle age or type requirements

Factors Affecting Loan Amount

Motorcycle Value – Typically 30% to 80% of wholesale or market value
Condition – Well-maintained motorcycles get higher loan amounts
Age & Mileage – Newer, low-mileage motorcycles are valued higher

A detailed Motorcycle Title Loans table can help clarify amounts and terms.

Risks & Considerations

High Interest Rates – Motorcycle title loans are faster but may carry higher costs than traditional loans.
Repossession Risk – Failure to repay may result in your motorcycle being repossessed.
Debt Cycle – Repeated borrowing can increase costs.

Always assess repayment ability before applying.

How to Apply for a Motorcycle Title Loan Online

Fill Out the Application – Online or via phone.
Provide Required Documents – Driver’s license, proof of residence, income, and motorcycle title.
Loan Evaluation – We determine how much cash you qualify for.
Acceptance & Funding – Sign the agreement and receive funds, often within 24 hours.

Tips for Choosing the Right Lender

Compare multiple lenders for rates and terms
Check for hidden fees
Read and understand the loan agreement
Consider lenders that specialize in bad credit options

Frequently Asked Questions

Q1: Can I ride my motorcycle during repayment?
Yes, you retain possession while the lender holds your title.

Q2: How much can I borrow?
Up to 80% of your motorcycle’s wholesale value, depending on lender and equity.

Q3: Can I refinance an existing loan?
Yes, refinancing can lower payments and provide additional cash if equity remains.

Q4: Are credit checks required?
Not always—most approvals are based on motorcycle equity.

Q5: Can I get a motorcycle title loan with bad credit?
Yes, secured loans prioritize equity over credit score.

Expert Insight

Daniel Joelson, consumer finance expert:
“Motorcycle title pawns can provide fast access to cash without affecting your credit score, but it’s essential to understand the terms and repayment obligations before applying.”

Get Your Motorcycle Title Pawn Today

A motorcycle title pawn from TFC Title Loans can be a fast, flexible, and accessible solution for emergency cash, even for individuals with bad credit. With competitive rates, flexible repayment, and a simple online application, you can get funds while keeping your motorcycle.

For more options, see our related pages:

For more information, visit our website or call us to speak with one of our representatives. We also offer loans for other vehicles, including big rigs and RVs, provided they have the required positive equity.