Title Loan Requirements
Find out what you need to qualify for a title loan. Most requirements are straightforward, and your vehicle is your primary qualification.
Check Your EligibilityBasic Eligibility Requirements
To be matched with title loan lenders, you'll generally need to meet these basic criteria.
Age Requirement
You must be at least 18 years old (19 in some states)
Vehicle Ownership
You must own your vehicle outright with a clear title (no liens)
Valid Title
Your vehicle title must be in your name and free of liens
Proof of Income
Show you have the ability to repay (employment, benefits, etc.)
State Residency
Must be a resident of a state where title loans are available
Good news: Credit score is NOT a major factor! Your vehicle serves as collateral.
Documents You'll Need
Have these documents ready to speed up your application process.
Identity Documents
- Government-issued photo ID (driver's license or state ID)
- Social Security number
- Proof of current address (utility bill, bank statement)
Vehicle Documents
- Clear vehicle title in your name
- Vehicle registration
- Proof of insurance
- Set of keys (some lenders require)
Financial Documents
- Proof of income (pay stubs, bank statements, benefits letter)
- References (personal or professional)
- Bank account information (for fund deposit)
Vehicle Requirements
Your vehicle is the most important factor in qualifying for a title loan.
Note: Vehicle requirements vary by lender. Some may accept older vehicles or those with higher mileage. The best way to find out is to submit an inquiry.
State Availability
Title loans are regulated differently in each state. We connect borrowers with lenders in states where title loans are permitted.
One of the largest title loan markets
Title pawns regulated under pawn laws
Consumer Lender License required
Title pledge lenders regulated
Licensed under consumer finance laws
Finance lenders law applies
Check cashers and title lenders licensed
Motor vehicle title loan act
Title loans also available in Alabama, California, Delaware, Idaho, Illinois, Mississippi, Nevada, New Hampshire, New Mexico, Ohio, South Carolina, South Dakota, Utah, and Wisconsin.
Bad Credit? No Problem.
Title loans are secured loans, meaning your vehicle serves as collateral. This means lenders focus primarily on your vehicle's value, not your credit score. While some lenders may check your credit, bad credit, no credit, or even bankruptcy typically won't disqualify you.
Check Your Eligibility in Minutes
Our simple form helps determine if you qualify. No credit impact, no obligation.