Get a Title Loan with Bad Credit – Your Vehicle Value Opens Doors
Been turned down because of your credit score? Title loans work differently. We look at your vehicle's value, not your credit history. Apply to see if you qualify without the credit stress.
Bad credit doesn't have to hold you back. With a car title loan, your vehicle's value is what matters most – not past financial mistakes. Whether you're dealing with an emergency expense, unexpected bills, or just need to get back on your feet, a title loan could help you access $1,000-$10,000 fast.2
No impact on your credit score to check rates
How Title Loans Work When You Have Bad Credit
Traditional lenders focus on credit scores. Title loans are different – your vehicle is your approval path.
Your Vehicle Is Your Approval Path
Instead of reviewing your credit report in detail, title lenders evaluate your vehicle's value. Own a car, truck, or SUV with a clear (or nearly clear) title? That's your path to potential approval.1 The equity in your vehicle becomes your collateral.
Soft Credit Checks, Not Hard Inquiries
Many title lenders perform only a soft credit inquiry to verify your identity – not a hard credit check that impacts your score. You can check your rate and see if you qualify without worrying about damaging your credit standing.
The Process is Simple
Apply Online or By Phone
Quick pre-approval decision in minutes1
Get Your Offer
See your loan amount based on vehicle value
Complete Verification
ID, income, and vehicle inspection
Receive Your Cash
Get funded as soon as the same day2
You keep driving your car throughout the entire loan period. The lender holds the title as security, but you maintain full use of your vehicle.
Why Your Vehicle Value Matters More Than Your Credit Score
It's about what you have, not what you owe.
Equity Creates Opportunity
The more your vehicle is worth, the more you can potentially borrow. A paid-off car worth $8,000 could qualify you for a loan of $2,000-$6,000, depending on the lender and your state.1
Credit History Takes a Back Seat
Past bankruptcies? Collections? Late payments? While lenders may review these, they're not automatic disqualifiers. Your vehicle's value and your current ability to repay matter more.
Bad Credit Doesn't Mean High Denial Rates
Many applicants with credit scores below 600 may get approved1 for title loans because the lending criteria are fundamentally different. You're using a tangible asset to secure funding.
Your Car Speaks for You
In a traditional loan, your credit score tells your financial story. With a title loan, your vehicle tells a different story: you own something valuable, and you're willing to use it responsibly.
Benefits of Title Loans for People With Bad Credit
No Credit Score Minimums
Unlike credit cards or personal loans that require scores of 650+, title loans don't have strict credit minimums. Your application is evaluated on vehicle value and income.
Won't Damage Your Credit Further
Most title lenders use soft pulls that don't affect your credit. Applying typically won't make your credit situation worse.
Faster Than Credit Repair
Rebuilding credit takes months or years. When you need cash for emergencies, you don't have that time. Title loans provide a potential solution now.
Access Larger Amounts
Bad credit personal loans often cap at $1,000-$2,000. With a title loan, you could access $5,000-$10,000 or more based on your vehicle's value.1
Keep Driving Your Vehicle
You don't lose access to your car. Drive to work, run errands, pick up kids – life goes on as normal while you repay.
Transparent Process
No surprises, no hidden denials based on credit algorithms. You'll know quickly whether you qualify based on straightforward criteria.
“Will I Qualify?” – Common Questions
Answers to questions from bad credit applicants just like you.
"I have a 520 credit score. Can I still get approved?"
Many title loan applicants have credit scores in the 500-600 range and may get approved.1 Your vehicle's value and your current income matter more than your credit score.
"I've been denied for other loans. Why would this be different?"
Traditional lenders use credit-based underwriting. Title lenders use asset-based underwriting. Your vehicle is the asset that secures the loan, which changes the approval criteria entirely.
"Will applying hurt my credit score?"
Most title lenders perform only soft credit checks for identity verification, which don't impact your score. Hard inquiries (if used) typically have minimal impact.
"What if I have a bankruptcy on my record?"
Past bankruptcies don't automatically disqualify you. Lenders focus on your current situation: Do you have income? Do you own a vehicle with value? Can you repay the loan now?
"I have collections and charge-offs. Will that be a problem?"
These may be reviewed, but they're not dealbreakers. Title loans are designed for people with imperfect credit. Your vehicle equity compensates for credit risk.
"How much can I borrow with bad credit?"
Your loan amount depends on your vehicle's value, not your credit score.1 A car worth $6,000 might qualify you for $1,500-$4,500, regardless of your credit history.
Important Information
TitleHarbor is not a lender. We connect consumers with third-party lenders. Approval is not guaranteed and depends on vehicle value, income verification, lender criteria, and state regulations.1 Same-day funding availability varies by lender.2 Please review all loan terms carefully before accepting any offer. Full disclosure
Bad Credit Doesn't Define You – See If You Qualify Today
Stop letting your credit score hold you back. If you own a vehicle, you have options. TitleHarbor connects you with trusted lenders who understand that life happens, credit takes hits, and people need second chances.
Here's what happens next:
- Apply in 5 minutes – Simple online form, no lengthy applications
- Get pre-approval decision fast – See your potential loan amount1
- Choose your offer – Compare lender options with no obligation
- Receive your cash – Funding as soon as the same day2
You keep your car. You get your cash. You move forward.