Top 8 Title Loan Company Options
By Lucy Chen | Published: 2025-02-25 | Category: Title Loan Companies
About Title Loan Companies
Title loan companies provide short-term loans secured by the borrower's vehicle title. Borrowers receive cash quickly but risk losing their vehicle if they default on the high-interest loan.
How We Evaluated
Providers were evaluated based on factors including typical interest rate ranges, loan term flexibility, customer service reputation, application accessibility, and overall company standing. Scores reflect a composite assessment of these criteria based on publicly available information.
Rating Criteria
- → Interest Rates & Fees
- → Loan Terms & Flexibility
- → Customer Service
- → Application Process
- → Accessibility & Availability
- → Reputation & Transparency
The Best Title Loan Companies
#8
Location: Mesa, AZ (Broker); Connects borrowers with lenders nationwide Get Directions
Founded: 2008
Max Cash Title Loans
Visit Website →A title loan broker or matching service that connects borrowers with a network of lenders across the United States.
Target Audience
Borrowers looking to compare options from multiple lenders, Individuals unsure where to start their title loan search
Service Offerings
Title Loan Matching Service
Connects applicants with third-party title loan lenders based on their application details and location.
- Single application potentially connects to multiple lenders
- Service is free to the borrower (paid by lender)
- Terms and rates determined by the actual lender
Scorecard (Overall: 7.2 / 10.0)
Pricing Model
Service Fee
Free service for borrowers. The actual loan obtained will have high APRs and fees set by the chosen lender.
Pros
- + Helps compare potential offers from different lenders
- + Wide potential availability through lender network
- + Convenient single point of application to reach multiple sources
Cons
- - Acts as a middleman, not a direct lender
- - Loan terms and quality depend on the matched lender
- - Borrowers still face high interest rates from the end lender
Verdict
"A useful service for comparing title loan options from various lenders, potentially saving time, though the underlying loan products still carry high costs."
Finova Financial
Visit Website →An online lender offering car title loans with potentially more competitive rates and longer terms compared to traditional storefront lenders.
Target Audience
Borrowers seeking online convenience, Individuals looking for potentially lower rates within the title loan market, Tech-savvy consumers
Service Offerings
Car Title Loans (C-LOC - Car Equity Line of Credit)
Offers an equity line of credit secured by the vehicle title, allowing for draws as needed.
- Fully online application process
- Potentially lower APRs than traditional title loans (though still high)
- 12-month repayment terms with flexibility
Scorecard (Overall: 7.2 / 10.0)
Pricing Model
APR
APRs are high but marketed as being lower than many competitors. Specific rates depend on applicant and state. Fees may apply.
Pros
- + Fully online process
- + Potentially more favorable rates and terms (12 months)
- + Focus on technology and user experience
Cons
- - Not available in all states
- - Still carries high interest rates compared to traditional loans
- - Requires internet access and comfort with online processes
Verdict
"A modern, online-focused alternative that may offer better terms and rates than traditional title lenders, appealing to those comfortable with a digital process."
TitleBucks
Visit Website →Part of the same family as TitleMax, TitleBucks offers title loans and pawns with a focus on quick approvals and funding through physical locations.
Target Audience
Vehicle owners needing fast access to cash, Individuals comfortable with in-person applications
Service Offerings
Title Pawns/Loans
Short-term funding secured against a vehicle title.
- Primarily in-store application and approval
- Quick vehicle appraisal process
- Funds often available same day
Scorecard (Overall: 6.0 / 10.0)
Pricing Model
APR
Expect very high APRs and associated fees, consistent with TitleMax and industry standards.
Pros
- + Fast processing time in-store
- + Part of a large, established network
- + Simple application concept
Cons
- - Extremely high interest rates
- - Risk of vehicle repossession
- - Limited flexibility in loan terms typically
Verdict
"Similar to TitleMax, TitleBucks provides rapid title-based funding primarily through storefronts, but borrowers face steep costs and significant risks."
Speedy Cash
Visit Website →Offers quick access to various loan products, including title loans, payday loans, and lines of credit, both online and in-store.
Target Audience
Individuals needing fast cash for emergencies, Borrowers seeking flexibility with online/in-store options
Service Offerings
Title Loans
Secured loans based on vehicle value.
- Apply online or in-store
- Funding can be very fast, sometimes same-day
- Requires vehicle inspection
Payday Loans, Installment Loans, Lines of Credit
Additional short-term financial products.
Scorecard (Overall: 6.3 / 10.0)
Pricing Model
APR
High APRs and fees are standard practice, differing based on loan type and state laws.
Pros
- + Fast application and funding process
- + Offers online and in-store options
- + Provides a range of loan products
Cons
- - Expensive loan terms (high APRs)
- - Availability varies by state
- - Risk of losing vehicle
Verdict
"True to its name, Speedy Cash offers fast processing for title loans and other short-term credit, suitable for urgent needs if the high costs are understood."
Advance America
Visit Website →A large provider of various short-term credit products, including title loans, payday loans, and installment loans, with many physical locations.
Target Audience
Consumers needing immediate access to funds, Individuals seeking diverse short-term loan options
Service Offerings
Title Loans
Allows borrowing against a vehicle's title.
- Requires clear vehicle title
- Available at physical locations in certain states
- Loan amounts depend on vehicle value and state laws
Payday Loans & Installment Loans
Other short-term borrowing options offered.
Scorecard (Overall: 6.3 / 10.0)
Pricing Model
APR
High APRs and fees are characteristic, varying by state regulations and loan product.
Pros
- + Wide network of branches
- + Offers several different loan types
- + Long-standing presence in the industry
Cons
- - Very high borrowing costs
- - Title loan availability limited by state
- - Customer service experiences can vary
Verdict
"A major player with broad accessibility and multiple loan types, but shares the industry standard of high costs and potential risks associated with title loans."
Check Into Cash
Visit Website →Provides a range of short-term financial services, including title loans, both online and through physical storefronts.
Target Audience
Borrowers seeking various short-term loan options, Individuals needing funds before their next payday
Service Offerings
Title Loans
Loans secured by a car title, available in select states.
- Online pre-qualification available
- In-store completion often required
- Also offers payday loans, installment loans
Payday Loans
Short-term unsecured loans due on the borrower's next payday.
Scorecard (Overall: 6.5 / 10.0)
Pricing Model
APR
Carries high APRs typical for the short-term lending industry. Fees vary by state and loan type.
Pros
- + Offers multiple loan products
- + Established company with many locations
- + Online pre-qualification available
Cons
- - High interest rates and fees
- - Title loans not available in all states where they operate
- - Short repayment terms typical
Verdict
"A versatile short-term lender offering title loans alongside other products. Good accessibility, but costs remain very high."
TitleMax
Visit Website →One of the largest title lending companies in the nation, known for its widespread physical locations and quick processing.
Target Audience
Individuals needing immediate cash, Borrowers preferring in-person service, Owners of lien-free vehicles
Service Offerings
Car Title Loans/Pawns
Short-term loans secured by a vehicle title, often structured as pawns in some states.
- In-store application process primarily
- Quick approval and funding, often same-day
- Loan amount based on vehicle appraisal and income
Scorecard (Overall: 6.5 / 10.0)
Pricing Model
APR
Extremely high APRs, often in triple digits. Fees for origination and other services are common.
Pros
- + Extensive branch network for in-person service
- + Fast funding, often within 30 minutes in-store
- + Accepts various vehicle types
Cons
- - Very high interest rates and fees
- - Primarily relies on short repayment terms
- - Aggressive collection practices reported by some customers
Verdict
"Highly accessible due to numerous locations, offering very fast cash but at a significant cost and risk. Best suited for those prioritizing speed and in-person interaction."
View Top Ranked Provider
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LoanMart
Visit Website →Offers title loans with a focus on customer service and potentially longer repayment terms compared to some competitors.
Target Audience
Vehicle owners needing emergency funds, Individuals with less-than-perfect credit
Service Offerings
Car Title Loans
Secured loans using the equity in a borrower's vehicle.
- Loan amounts vary by vehicle value and state regulations
- Online and phone application options
- Funds potentially available within one business day
Scorecard (Overall: 7.0 / 10.0)
Pricing Model
APR
High interest rates apply, varying significantly by state and borrower profile. Origination and other fees may apply.
Pros
- + Potentially longer loan terms than some competitors
- + Strong online application process
- + Generally positive customer service feedback for the industry
Cons
- - Very high interest rates are standard
- - Not available in all states
- - Risk of vehicle repossession upon default
Verdict
"A well-established option with a focus on service and potentially more flexible terms, though still carrying the high costs and risks inherent in title loans."
Final Recommendation
Title loans offer fast cash but come with significant risks and very high costs. Providers vary in accessibility, application process, and customer service. Online options like Finova Financial and matching services like Max Cash Title Loans offer alternatives to traditional storefronts like TitleMax and Advance America.