How Much Could I Borrow With a Title Pro Loan?

Unforeseen medical bills, unexpected home repairs, and other emergencies can suddenly find you in need of additional cash. A title secured loan from Title Pro can help, and it may even be an option if you don’t have perfect credit. Because you need cash to resolve a financial emergency, you’ll most likely have a specific dollar amount in mind. Because of that, it isn’t uncommon for people to wonder, “How much can you get for a title secured loan?” Unfortunately, there isn’t a one-size-fits-all answer when it comes to how much you can get if approved for a title secured loan. The amount that is loaned to you will depend on a number of factors that vary from one person to the next. These factors include the value of your vehicle, your credit history, and the state in which you live.

Because a title secured loan uses your vehicle as collateral, Title Pro will take the current value of your car into consideration. A car’s value is typically determined by its specific model and year, mileage, whether or not it has been in an accident, and its overall condition. If you want an idea of what your car’s value might be before you fill out a Title Pro application, you can check with resources such as the Kelley Blue Book. You should keep in mind, however, that this estimate may differ from Title Pro’s and is not a definite indication of what your loan amount may be.

When you’re ready to apply for a loan from Title Pro, visit our application page, where you’ll be asked to tell us about your car so that we can determine how much you can get from a title secured loan. We will also take a look at your credit history by running a credit check, which will help us determine if you qualify for a loan. You won’t necessarily be disqualified from getting a loan if you have less-than-perfect credit, but a credit check will play a role in determining how much your loan amount will be. In determining how much you can get, we also compare the value of your vehicle to any applicable loan minimums and maximums, which vary according to each state’s regulations. Our competitive rates and fees also vary by state. For more information about the rules where you live, please see our states and fees page.

If you have any questions or concerns about applying for a secured title secured loan or about Title Pro in general, we have the answers that you need. Check our frequently asked questions page to review a list of commonly asked questions and the answers that we’ve provided there. Still not finding what you need to know? No problem! Our customer service representatives are available to answer your questions by phone or email. Give us a call or send us a message anytime.

How much can you get for a title secured loan? It’s simple to find out the answer to that question: Apply today!

  • * 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.

    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%.