How do you get a car title loan online?

I work odd hours and usually can't make it to businesses before they close. I had a couple of emergencies pop up this month and had to take time off, but I don't have PTO. I have bad credit, so I can't get a bank loan or credit loan. I own a car and have the title. How do you get a car title loan online?

Answer
I’m sorry to hear that it’s been such a rough month. You can get a car title loan online, but you should research lenders before signing an agreement. You’ll want to verify that the lender is registered with your state. You can start with:
  • The Better Business Bureau
  • Your state’s attorney general
  • Your state’s financial regulations office
Title loans are illegal in more than half of the 50 states because of their high-interest rates and short-term lengths.
Some online lenders that operate in the states where title loans are legal include:
  • Loan Mart
  • Max Cash Title Loans
  • American Auto Title Loan
  • Title Max
  • Loan Center
After selecting a lender that you know is legit, check to see what they require to approve the loan and follow the steps they give you. Generally, they will require:
  • The title
  • Driver’s license
  • Pay stubs
  • Utility bill
Another option despite your bad credit is your bank or credit union. You’ll likely need a cosigner with good credit, but it would be a better idea than a title loan.
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Lauren Smith
Answered on Dec 01, 2021
Lauren has written for World Nomads, the Matador Network, Korvia Consulting, and once upon a time Three Fates Games. She graduated from Columbia College of Chicago with a BFA in Creative Writing. After graduating, she moved overseas and lived in South Korea where she spent her free time traveling and going on road trips with friends. She misses the rest stop potatoes and is trying to figure out how to recreate them at home. She's now based outside of Chicago and when she's not writing she spends her free time reading, playing video games, and exploring whenever she can.
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