Online title loans are a fast and accessible way to get cash during financial emergencies. By using your vehicle as collateral, you can secure a loan quickly, even if you have bad credit.
TFC Title Loans has been a trusted title loan broker since 1994, connecting borrowers with the largest network of lenders. We help you find the right loan with the most money and lowest monthly payments while ensuring transparency and responsible lending practices.
How Much Money Can You Get?
The amount you qualify for depends on your vehicle’s equity. Most lenders allow you to borrow up to 80% of your car’s wholesale value. Use TFC Title Loans’ Title Loan Calculator to estimate your loan amount and see an example repayment table tailored to your needs.
What If I Have a Bad Credit Rating?
At TFC Title Loans, bad credit is not a barrier to qualify for a title loan. Since the loan is secured by your vehicle title, your credit score is less important than your car’s value and your ability to repay.
What Can People With Bad Credit Expect?
- Streamlined application process with no credit checks.
- Loan terms based on your vehicle’s value, not your credit history.
- Flexible repayment options, allowing you to adjust to your financial circumstances.
How To Apply for Online Title Loans
Here’s a step-by-step look at how the process unfolds:
- Application Process:
Complete our online application by providing your vehicle’s details, proof of income, and a clear car title. - Loan Approval:
Your application is reviewed, and based on your car’s equity, you may qualify for a loan up to 80% of its value. Loan terms range from 24 to 36 months, with APRs starting at 36%, depending on the loan size and your state. - Receiving Funds:
Once approved, you can receive funds within 24 hours, often directly into your bank account.
Are Online Title Loans Legal?
Yes, TFC Title Loans only works with licensed lenders who comply with state laws and federal regulations, ensuring a safe and legal borrowing experience.
How to Avoid Scams by Online Title Loan Companies
Protect yourself by choosing trusted brokers like TFC Title Loans. We ensure all lenders:
- Are licensed and regulated.
- Have transparent fees and terms.
- Follow Consumer Financial Protection Bureau (CFPB) guidelines.
FAQs
- What if I can’t repay the title loan?
Contact your lender right away. Extensions or payment adjustments may be available. - What interest rates can I expect?
Rates typically start at 36% and vary by state and loan size. Review your loan terms carefully. - Are title loans expensive?
While rates may be higher than traditional loans, they offer unmatched speed and flexibility.
Benefits of Online Title Loans
- Speed: Apply and receive funds within 24 hours.
- Convenience: Apply entirely online, with no in-person visits required.
- Retain Vehicle Use: Continue using your car while making payments.
- Largest Network of Lenders: TFC Title Loans connects you with the most competitive loan options available.
Alternatives to Online Title Loans
If online title loans aren’t the best fit, consider:
- Personal loans from banks.
- Credit card cash advances.
- Borrowing from friends or family.
Expert Advice
“Online title loans offer speed and accessibility but require responsible planning. Always ensure the loan terms match your ability to repay.”
— Daniel Joelson, Consumer Finance Expert
Why Choose TFC Title Loans?
TFC Title Loans is the industry leader in title loan brokerage. Since 1994, we’ve helped thousands of borrowers secure the right loans with:
- The most money.
- Lowest monthly payments.
- Flexible repayment plans.
We simplify the process so you can make confident financial decisions. All our lenders comply with state laws and the CFPB, so you can borrow with peace of mind.
Get Started Today
Apply for an online title loan with TFC Title Loans and take control of your financial situation. Explore our network of lenders to secure the best terms and the money you need — fast, reliable, and secure.
Start your application now and experience the TFC Title Loans difference, we can help you with multiple locations all over the nation!
