How TitleHarbor Works
Our simple 4-step process connects you with verified lenders quickly and transparently. No hidden fees, no surprises.
Start Your Application*Same-day funding depends on lender and completion time. Not all applicants will qualify.
The Process Step by Step
We've made getting matched with a title loan lender as simple as possible.
Submit Your Information
Fill out our secure online form with basic information about yourself and your vehicle. This only takes about 5 minutes and won't affect your credit score.
- Vehicle details (year, make, model, mileage)
- Your contact information
- Basic financial information
- Loan amount you're seeking
We Match You with Lenders
Our system instantly shares your information with our network of verified lenders who compete to offer you competitive terms.
- Multiple lenders review your application
- Each lender makes their own decision
- You may receive multiple offers
- No obligation to accept any offer
Review & Choose an Offer
Compare offers from different lenders and choose the one that best fits your needs. Review all terms carefully, including APR and repayment schedule.
- Compare interest rates and terms
- Understand total cost of the loan
- Ask questions before committing
- No pressure to accept
Complete & Receive Funds
Finalize your loan with your chosen lender. Once approved, you can receive your funds as soon as the same business day.
- Verify your identity and vehicle
- Sign loan documents
- Hand over your title temporarily
- Receive your funds
Our Commitment to Transparency
We believe you deserve to know exactly how our service works and how we operate.
We're Not a Lender
TitleHarbor is a lead generation service. We connect you with lenders but don't make lending decisions or set loan terms.
How We Make Money
We receive compensation from lenders when you submit a loan inquiry through our site. This doesn't increase your cost.
Verified Lender Network
We only work with lenders who meet our standards for licensing, transparency, and customer service.
Learn More About Title Loans
Explore our educational resources to make informed decisions about title loans.
How Title Loans Work
Complete guide to the title loan process from start to finish.
Interest Rates & APR
Understand how title loan rates work and what costs to expect.
5 Things to Know First
Critical factors to consider before getting a title loan.
Alternative Options
Explore other financing options before deciding.
Important Information About Title Loans
Title loans are a form of high-cost borrowing. Before accepting any loan offer, carefully consider:
- • APR for title loans typically ranges from 100% to 300%1
- • Failure to repay may result in vehicle repossession
- • Consider alternatives like personal loans, credit unions, or family assistance
- • Only borrow what you can afford to repay
Annual Percentage Rate (APR) varies by lender, state, creditworthiness, and loan terms. Actual rates may be higher or lower. See footer for full disclosure.
Ready to Get Started?
Our simple online form takes just 5 minutes to complete. Get matched with verified lenders today.