About TitleHarbor
We're on a mission to bring transparency and education to the title loan industry. Our goal is to help you make informed decisions by connecting you with verified lenders while providing the information you need.
Our Mission
To provide transparent title loan matching that puts borrowers first — connecting you with verified lenders while providing the education you need to make informed decisions.
Our Vision
We envision a financial services industry where borrowers have access to clear information, fair treatment, and the resources they need to navigate challenging financial situations responsibly.
Our Values
These principles guide everything we do at TitleHarbor.
Transparency First
We believe you deserve to know exactly how our service works, how we make money, and what to expect from title loans.
Borrower-Focused
Our service is designed with your interests in mind. We provide education and resources to help you make informed decisions.
Verified Partners
We only work with lenders who meet our standards for licensing, transparency, and responsible lending practices.
Accessible Service
We've built our platform to be easy to use, mobile-friendly, and accessible to everyone who needs our help.
How We Make Money
We believe in complete transparency about our business model. Here's exactly how TitleHarbor operates:
We Are a Lead Generation Service
TitleHarbor is not a lender. We are a marketing and lead generation company. When you submit an inquiry through our website, we share your information with lenders in our network who may be able to help you.
We Receive Referral Fees
When you submit a loan inquiry and are connected with a lender, we may receive a referral fee from that lender. This fee is typically $100-$350 per qualified lead, depending on the lender and your loan details.
This Doesn't Increase Your Cost
The referral fee we receive comes from the lender's marketing budget, not from additional charges to you. Lenders factor this cost into their business model, similar to other marketing expenses.
We Don't Control Loan Terms
We have no control over the interest rates, fees, or terms that lenders offer you. Each lender makes their own independent decisions about whether to offer you a loan and on what terms.
How We Help Borrowers
Our service is designed to make your search for a title loan easier and more informed.
Save You Time
Instead of contacting multiple lenders individually, our single application reaches our entire network.
Provide Options
Getting multiple offers lets you compare and choose the terms that work best for your situation.
Educate Borrowers
Our comprehensive resources help you understand title loans, their costs, and alternatives before you commit.
Ensure Quality
We vet our lender partners to ensure they meet our standards for licensing and customer service.
Our Lender Standards
We carefully vet every lender in our network. Here's what we look for:
- Properly licensed in all states where they operate
- Clear disclosure of all loan terms and fees
- No hidden charges or deceptive practices
- Responsive customer service
- Compliance with state and federal regulations
- Reasonable collection practices
While we verify our partners, we cannot guarantee their future behavior. Always review loan terms carefully and report any concerns.
Important Notice About Title Loans
Title loans are a form of high-cost borrowing that should be considered carefully. Before accepting any loan offer, we encourage you to:
- •Consider whether you truly need the loan and can afford the payments
- •Explore alternatives like personal loans, credit union loans, or family assistance
- •Understand all terms, including the APR, total cost, and consequences of default
- •Only borrow what you can realistically repay
Our educational resources can help you understand title loans better. Visit our FAQ page or blog for more information.
Ready to Connect with Lenders?
Our simple application takes just minutes. Get matched with verified lenders who may be able to help.