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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 a title loan?
A title loan is a loan where you use your vehicle’s title as collateral for the loan. These types of loans are intended for short-term financial solutions, not long-term financial problems. Our licensed vendor loan representatives can answer any questions you may have regarding a title loan.
How do I qualify for a title loan?
All you need to qualify for a title loan is your vehicle, the vehicle’s title and a state issued photo ID. AutoCashUSA makes finding a licensed vendor title loan store simple and hassle free unlike other title loan companies. The process includes:
  • Taking your vehicle to the licensed vendor location nearest to you. Be sure to bring the vehicle’s title.
  • A loan representative will quickly inspect your vehicle while you are filling out the application.
  • Based upon your cash needs, the value of your vehicle, your ability to make payments on the loan and any state laws, a loan representative will help you get qualified for the right title loan amount.
  • Once you have been approved for a title loan, you will receive the cash you need and be able to continue driving your vehicle! All of this takes as little as 30 minutes.
What is the total amount of the loan with interest and fees included?
A loan representative will review all loan terms and fees with you prior to you signing the loan. On your loan agreement, you can view all of the terms and fees associated with your title loan.
Do I need a bank account to qualify for a title loan?
No, you do not need a savings or checking account to be approved for a title loan.
Can I qualify for a title loan with bad credit?
Yes! Whether you have good credit, bad credit or no credit at all, AutoCashUSA can assist you in getting the cash you need. For most title loan amounts, all credit ratings are accepted.
I don’t have a driver’s license. Can I still get a title loan?
You can obtain a title loan without a driver’s license, but must have a valid photo ID.
Is all of my personal information kept confidential?
Absolutely. AutoCashUSA is committed to ensuring all of your personal information is securely stored and kept confidential. Please see our privacy policy for more details.
Is there a minimum age requirement to obtain a title loan?
Each state has different laws regarding how old you must be to obtain a title loan. In most states, you must be at least 18 years old to qualify for a title loan.
Do I keep my car while paying off the title loan?
Yes! One of our licensed vendors will provide you with the loan and you continue to drive your car too.
How do you determine the value of my vehicle?
The value of your vehicle is based on the value as stated in a nationally recognized pricing guide, and the condition of the vehicle, as determined by a physical inspection.
How can I find a location near me?
By using our locator, which will assist you in finding the licensed vendor nearest you.
How do I know if my car title is clear or lien-free?
A lien-free or clear vehicle title means you are no longer making payments on your vehicle and own the vehicle with no outstanding balances on it. In order to qualify for a title loan, you must have a lien-free or clear vehicle title.
How do I start the process for a title loan?
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 application process and get you into one of our convenient locations.
How much am I able to borrow?
The amount of your title loan is dependent upon the assessed value of your vehicle. The maximum amount you can qualify for is $15,000.
What if my vehicle’s title isn't in my name?
In order to get a title loan, the vehicle’s title must be in your name. To update your vehicle’s title, simply go to the DMV and have the title transferred into your name.
How frequently can I obtain a title loan?
Title loan terms and frequency varies from state to state, so please ask your loan representative to provide you with these details.
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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.