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Online Title Loan FAQs

Below are AutoCashUSA’s most frequently asked questions. If you have a question about something, it’s possible that the answer is listed here, so feel free to check it out!

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What is an online title loan?
An online title loan is a short-term loan that allows you to use your vehicle’s lien-free title as collateral for a lump sum of money. There is no store visit necessary with this kind of loan. So if you live too far from a store location or you’d rather have a representative come to you, this would be the loan for you.
What do I need to apply for a title loan online?
To apply for this kind of loan, you need your driver’s license or state-issued ID, your vehicle’s lien-free title to use as collateral, and your vehicle to get through the vehicle inspection.
How do online title loans work? Do I have to give up my vehicle?
Online title loans work just like regular title loans. The loan can help you handle any emergency expenses like medical bills, late utility bills, or emergency travel. And, you do not have to give up your vehicle while you repay the loan!
What is a lien-free title for an instant online title loan?
A lien-free vehicle title is a title that is free of outstanding liens or judgements. This means your vehicle has to be fully paid off and your title clear for you to qualify. The title must also be in your name.
What if the car title is not in my name?
If the car title is not in your name, you will have to go to the DMV and have it transferred before you can apply for an online title loan.
Do I need to visit the store to show the online title loans requirements?
No! The whole thing with an online title loan is you do not have to come into a title loan store to show your required items. One of the loan representatives will come to you instead!
Is a physical inspection of my vehicle necessary for an online car title loan?
Yes, a physical inspection of your vehicle is necessary so the loan representative can determine how much you could qualify for.
Do I choose where to meet the representative for an online title loan?
Yes! You get to choose where you meet the representative for the vehicle inspection and to finalize the process.
How is the value of my vehicle determined?
The value of your vehicle will be based on the results of the vehicle inspection performed by one of the loan representatives, and on the value as stated in a nationally recognized pricing guide.
Do I need a checking account for an online car title loan?
No, you do not need a savings or checking account to be approved for a title loan online.
How long does it take to get approved for a title loan online?
It can take about 30 minutes to learn if you’ve been approved.
How do I get started?
You can get started today by filling out our online form with your basic information. Once you have submitted this form, a loan representative will contact you to explain the process. This is also where you can set up where the loan representative should go to meet you.
Will the personal information I supply be kept confidential?
Yes! Any personal information you share will be kept completely confidential.
What is the total amount of the loan, including interest and fees?
The total amount of the loan will vary depending on what state you are in. The loan representative will go over all loan terms. Your loan agreement also has this information listed.
Will I also be able to make payments online?
Yes! That is another benefit of online title loans. You can pay right online through our payment portal.
Do I need to have a driver’s license for a title loan online?
No, you do not need to have a driver’s license to qualify. You do need to make sure you have a state-issued photo ID to use if you do not have a driver’s license. If you do not have either, you cannot apply.
Can I still qualify for an online title loan if I have poor credit?
Yes! You can still qualify for approval even if you have poor credit.
How much can I borrow?
The amount you can get depends on your vehicle’s value. The maximum amount you could qualify for could be anything up to $15,000.
How often can I get an online title loan?
Online title loan terms and frequency varies from state to state, so please ask your loan representative to provide you with these details.
How old do I have to be in order to apply?
In order to apply for this loan, you must be at least 18 years old.
Is the process for an online title loan much different from a regular title loan?
No! The main difference between online title loans and title loans is the fact that a representative can come to you to do the vehicle inspection with the online title loan. Aside from that, the process is still simple to understand.
What is the process for an online title loan?

The process to obtain an online title loan from one of our vendors is simple. Here is how the process will go when you contact us:

  • Just fill out our online form on our Auto Cash USA website. This form allows us to connect you with the nearest title loan store.
  • You will then get a phone call from one of our vendor’s representatives to go over the required items you need and set up the appointment.
  • Wait for the loan representative to come meet you wherever you determined. They will inspect your vehicle and assess your information.
  • If you are approved, they will go over the loan terms and have you finish the application. Once done, you could get paid the same day or the next business day.
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Get Approved for a Title Loan Today!

Once you've been approved, you'll soon be delivered the cash you need and sent on your way. You'll even get to keep your car while paying back the loan. Experience the simple approval process our vendors provide first-hand and get the extra cash you need today so you can lay your emergency to rest.