Title Loan Requirements

Almost anyone can find themselves in a situation that’s not only unexpected but requires an extra amount of cash you just don’t have on hand. Emergency expenses are often attached to events that occur suddenly, such as an important home repair or a medical crisis that can’t be delayed and requires extra money today. These are things that can be problematic if you don’t have the necessary money to cover the costs fast. At times like these, Title Pro has the answer. We are an online lender that offers title loans to consumers at fair and competitive rates. You can use the title of your car or truck to secure a loan and get the cash that you need as soon as today*. Our application process is fast and simple and can usually be completed within the same day. With Title Pro, you don’t have to worry about lines, owing money to family members, or overextending your credit card. You don’t even have to leave the house to get the money you need!

When you’re deciding on whether to apply for a Title Pro loan, your first step will be to ask, “What do you need to get a title loan?” Meeting our requirements for an auto title loan is critical, but it’s fairly simple to do. The first of our car title loan requirements is that you must be old enough to apply based on the laws of the state where you live. In most states, you must be no younger than 18 years old; however, in certain states, such as Alabama, you must be at least 19 years old to meet the state title loan requirements to apply. The title of the vehicle in question must be free of liens, and it must also be in the loan applicant’s name. To verify your identity, we will ask for a valid form of government-issued identification, such as a passport or your driver’s license.

In addition to your ID, you will also need to have a few other items to meet our requirements. For instance, you will need to have an active checking account, and we also require that you have an email address and phone number. And although we do provide title loans to many people whose credit is less than perfect, we do check each applicant’s credit score. Aside from these requirements, what do you need to get a title loan? The answer to that question depends on where you live. Some states may have additional requirements that applicants will need to meet, such as providing proof of residency or income, for example.

If you need money and can meet these simple requirements, fill out our online application to get started. Completing this form will set you on the path to getting approved. If you have any question about auto title loans, how to apply, or the repayment process, we are here to help. You can contact us by phone Monday through Saturday during business hours, and email us at any time. Learn more about Title Pro and let us show you how we can help you!

  • * 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%.
  • - New Mexico Consumers: please see important New Mexico Consumer Information and Disclosures.
  • - Utah Consumers: please see Utah QUESTIONS or COMPLAINTS.
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