About ten minutes from front door to cash in hand.
No credit check, no surprises. Here’s exactly what to expect, what to bring, and how the loan is paid back.
Apply, confirm, pick up.
Apply
Fill out the short application. It takes a few minutes. No credit check is run as part of the application; we just need basic info and the vehicle details.
Confirm
We call back to confirm the loan amount and let you know if we need anything else before you come in. If we can’t help, we tell you straight.
Pick up
Bring the vehicle to either store, sign the paperwork, and leave with cash in about 10 minutes. You keep driving the car.
To make the visit quick.
- Government-issued photo ID (driver’s license, state ID, passport)
- Clear vehicle title in your name (or in both names if jointly owned)
- The vehicle itself, for a brief inspection
- Proof of income — most recent pay stub or equivalent
- Proof of residence — a utility bill or similar
- Vehicle registration and proof of insurance, if available
If you’re missing one of these, call ahead — we can almost always work around it.
Things people usually ask first.
How much can I borrow?
Up to $25,000 on a title loan, depending on the vehicle. We typically lend up to 75% of book value. Signature loans go up to $2,500.
Will a title loan affect my credit?
We don’t run a credit check as part of the title loan application, so there’s no inquiry on your report.
Can I still drive my car?
Yes. You sign over the title for the term of the loan, but the car stays with you. You just need to keep up payments to keep it that way.
What if I already have a title loan with someone else?
We’ll often pay off an existing title loan for a rate up to 75% less than what you’re paying. Bring the paperwork and we’ll quote the new terms in writing.
What about boats, motorcycles, RVs, or ATVs?
Same approach. If you own the title, we can usually lend on it. Call ahead with the year and model so we can estimate before you make the drive.
What are the actual rates?
Title loan rates vary by vehicle, term, and federal/state requirements. We provide all rate, fee, and APR disclosures in writing under Truth-in-Lending Act (Reg Z) before you sign anything. The promise behind our brand: lower than what you’ve been quoted elsewhere — bring the quote and we’ll show you the comparison.
Ready to start?
Apply online in a few minutes, or pick up the phone.