Title Pro Frequently Asked Questions

At Title Pro, we have thoughtfully designed a financial solution with you in mind. We offer online title secured loans at competitive rates. The process is straightforward, transparent, and convenient. Your satisfaction is our main goal.

At Title Pro, we offer online title secured loans at competitive rates. With your needs in mind, we thoughtfully re-designed the standard loan process to make it better. We offer you an alternative to traditional bank and retail lending options at competitive rates. We meet our customers when and where they already are – not across town, not in the next city… it’s online, fast and simple!

With 20 years of experience in the title loan industry and supported by a team of dedicated and highly trained customer service representatives, Our goal is to help you meet your financial needs. More about Title Pro.

A title loan, also known as an online secured loan, is a loan secured by your motor vehicle. In some states, they’re also known as a title loan or car title loan. The loan amount is based on the appraised value of your vehicle and any state requirements. These types of loans are considered to be “alternative” lending options, as they don’t require the same processes and requirements as traditional bank loans.

Various states define title loans differently. However, the loan products function similarly wherein your collateral is used to secure your obligation.

To qualify for a Title Pro loan, you must own a vehicle, have the clean title to that vehicle, and be at least 18 years of age (or 19 in Alabama). Also, your vehicle’s value must be higher than your state’s minimum loan amount. See our States & Fees section for more detail.

In most cases, you will know if you are approved for a Title Pro loan the same day you submit your application.

To apply for an online title loan you must own a vehicle with a vehicle title (free and clear of any liens), and have a valid government-issued ID. The name on the title and the ID must be yours and they must match each other.

To qualify for a Title Pro loan, you must own a vehicle, have the clean title to that vehicle, be at least 18 years of age (or 19 in Alabama), and meet any state requirements. In addition, you are required to have an active checking account, valid email address, and a valid cell phone number. We do check your credit as part of the qualification process. See our States & Fees section for more detail.

In South Carolina, proof of residency and income documentation is also required.

Your application will either be approved or declined based on Title Pro’s evaluation of your submitted information.

Learn more about Title Loan Requirements

Yes, a credit check is required in order to meet our underwriting criteria.

We will check your credit. We determine eligibility based on an evaluation of the information submitted in your application including your credit history.

The amount you borrow is based on a number of factors, including the value of your vehicle, and your past credit history. Loan minimums and maximums vary by state regulations. Please see our States & Fees page for more information.

Interest rates vary by state, but we strive to have some of the more competitive title loans in the market. Title Pro loans are fully amortized simple interest 36 month installment loans with no prepayment penalty. Please see our States & Fees page for more information.

We fund loans through a direct bank wire transfer to your checking account or through Western Union. You may receive funds as early as the same business day*. You will have options to decide when you want to receive funds based upon when we receive your vehicle title and paperwork.

Loans have a monthly payment schedule with no pre-payment penalty.

We accept payments via debit card over the phone, and money order or cashier’s check through the mail.

Debit Card
Make your payment, at no cost, over the phone.
Call 1-855-635-1735 to process debit card payments.

Monday – Friday 8:00 AM – 9:00 PM CST
Saturday 10:00 AM – 2:00 PM CST

Pay by Mail*
Money Order or Cashier’s Check Payable to Title Pro.
(Include account number in memo line)
No personal checks accepted

Please mail your payment to:
Title Pro

Attention: Payments
2312 E Trinity Mills Rd
Carrollton, TX 75006

*Late fees may be charged on payments received after the due date.

You can apply for a Title Pro loan at www.titleproloans.com absolutely any time. Our Customer Service staff is available to process your loan Monday-Friday 8am – 9pm (CST) and Saturday 10am – 2pm (CST). They are not available on Sundays. We can only electronically fund loans to your checking/savings account Monday – Friday before 3 pm EST.

The only collateral you need is a car with a clear car title in your name.

You will receive an email with instructions including a prepaid UPS shipping label. Please attach the label to your package along with the following documents:

  • Your Lien Free Title
  • Title Application
    • Note: Please sign only under Section L in the “Customer Signature” section found towards the end of the second page of the Title Application.

Once the package is sealed, please drop it off at your local UPS location. Click here to find the most convenient UPS location to you!

If you have any questions about the document submission process please contact one of our friendly Title Pro loan specialists.

Yes! There are no penalties for early payoffs.

No, we do not provide loans to military personnel.

  • * Loan transactions completed before 4pm CST on the same business day may be eligible for same day funding.

    To qualify for a Title Pro loan, applicants must satisfy all Title Pro eligibility requirements including, without limitation, an unencumbered motor vehicle title, satisfactory vehicle appraisal, verifiable identity, a minimum satisfactory FICO® score, valid and verifiable email address, valid and verifiable bank account and, in some states, minimum verifiable income. Applicants must be 18 years of age or older (19 in Alabama). Title Pro reserves the right to require all applicants to submit documentation to validate loan eligibility requirements. Available loan amounts, repayment periods and applicable finance charges vary by state and are governed by state law and the Title Pro loan agreement. Refer to the States and Fees page for further details on Title Pro’s licenses, available loan amounts, and loan pricing.

    Title Pro currently does business only in South Carolina, Georgia, Alabama, California, New Mexico, and Utah. If Title Pro is not able to approve you for a loan, or if you reside in a state where Title Pro does not currently do business, you may request Title Pro to refer you to another creditor who may be able to assist you with your credit needs.

    In South Carolina, Georgia, Alabama, California, New Mexico, and Utah, all Title Pro loans have a contractual term of 36 months. Following is a representative example of a $3,500 Title Pro loan.

    In South Carolina, Title Pro makes motor vehicle title secured supervised loans authorized by the South Carolina Consumer Protection Code, § 37-3-501 et seq.; Title Pro does not offer short-term vehicle secured loans as defined by South Carolina Consumer Protection Code, § 37-3-413.

    Loan Proceeds Title Fee (amt. varies by state) Finance Charge Payment Schedule+ 36 payments of: Total of Payments Annual Percentage Rate (APR)
    $3,500 $15.00 $2,279.30 $160.96 $5,794.30 35.98%
  • + The loan example above assumes a monthly payment schedule with payments due on the same date of each month – actual monthly payment amounts and APRs may vary depending on the month and date of loan origination. The final scheduled payment amount typically differs from the standard payment amount.
  • - California customers: In California, the minimum loan amount is $2600. Loans are made by TMX Credit, Inc. d/b/a Title Pro, California Finance Lender Law License No. 603 J737. Refer to the States and Fees page for further details.

    The minimum contractual term of a Title Pro loan is 36 months, and the maximum contractual term of a Title Pro loan is 36 months. The maximum annual percentage rate (APR) for Title Pro loans is 35.99%.