Prequalify online for title loans with no impact to your credit score. Explore estimated payments, terms, and important risks before deciding what works for you.
No commitment required. Title loans involve risk and may not be the right fit for everyone.
Whether it’s an unexpected expense or something important you need to handle, a title loan may help provide access to cash using your vehicle as collateral.
LoanCenter lets you explore title loan offers through prequalification first, so you can better understand your options before making a decision.
No commitment required. Title loans involve risk and may not be the right fit for everyone.
Check My Options
Finding and comparing title loan options can feel overwhelming. LoanCenter lets you explore multiple title loan offers in one place, so you can better understand your choices before making a decision.
Compare My OffersExplore your options first — no commitment required.
LoanCenter
Typical Title Lender
LoanCenter helps you explore title loan offers, compare options, and better understand your choices before making a decision.
Title loans let eligible borrowers use their vehicle’s equity to access cash while continuing to drive their car throughout the loan term.
Approval, funding timing, and loan terms vary by lender and state.
Many title loan borrowers may receive funding the same day they’re approved, helping cover expenses that can’t wait.
With many title loans, you can continue driving your vehicle while the title is used as collateral.
Eligibility may be based on factors such as your vehicle’s value and equity, loan amount, payment terms, and other qualifying criteria.
Title loan options can be available to borrowers with a wide range of credit profiles.
Title loans can provide fast access to cash, but understanding how terms, repayment, and lender requirements work can help you make a more informed decision.
Rates, repayment timelines, and fees may differ by lender and state, which is why reviewing your options matters.
Staying on track with payments is important because your vehicle is used as collateral for the loan.
LoanCenter lets you explore title loan offers with no impact to your credit score and no obligation to move forward.
Frequently Asked Questions
Checking your title loan options through LoanCenter’s prequalification process does not affect your credit score. Prequalification uses a soft credit inquiry, which does not impact your credit score. If you choose to move forward with a lender, the lender may perform a hard credit inquiry as part of the application process.
Requirements vary by lender and state, but you may need information about your vehicle, proof of income, identification, and other personal or financial information. The lender will determine what documentation is required.
In most cases, yes. A title loan uses your vehicle’s title as collateral, but you can generally continue driving your vehicle while repaying the loan. Specific requirements may vary by lender and state.
If you’re unable to make your payments, contact your lender as soon as possible to discuss your options. Because your vehicle serves as collateral, failure to repay a title loan could result in the lender taking action against the vehicle, including repossession, depending on the loan agreement and applicable state law.
Not necessarily. Some lenders may consider factors beyond your credit history when evaluating your application, such as your income, vehicle, and ability to repay. However, eligibility requirements vary by lender.
You can start by completing LoanCenter’s online prequalification process. You’ll provide information about your financial situation and vehicle, and LoanCenter can help connect you with personalized loan options from participating lenders. Prequalification does not guarantee approval or specific loan terms.
1. Loan approval is subject to meeting lender’s credit criteria, which includes a demonstration of your ability to repay the loan. Not all applications will be approved.
2. When you submit your information, we check your credit report. This initial (soft) inquiry will not affect your credit score. If you select a loan offer and proceed with your application, we do another (hard) credit inquiry that will impact your credit score. If you take out a loan, repayment information will be reported to the credit bureaus.
