A title secured 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.

*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%.