How Title Loans Work at Title Pro

At Title Pro, we know that seeking a loan can be overwhelming, so we try to make life easier for our customers by being very transparent about how a title secured loan works and how people can get money from us. We have built our business around making the application process simple and providing fast loan decisions, even for people with less-than-stellar credit scores. At Title Pro, we offer competitive rates, exceptional customer service, and accept various payment types. All of this is aimed at making getting a title loan as clear as possible.

People often ask, “how do title loans work”. Getting a title loan is a significant step for many people, and we want to answer your questions up front, so you can feel comfortable about applying. Let us walk you through the steps below. Starting with a fast online approval process means no waiting in line. Our same day title loan approval means you can get the cash you need, as soon as today*. Our online title loan calculator can help you get started.

How Do Title Loans Work?

Some of the most common questions we receive are “How does an online loan work?” The process of getting a title loan involves three simple steps.


Step 1: Submit Your Application

The first step in the process of applying for an online loan is submitting an application. We offer a secure online application so you can apply anytime from the comfort of your own home. After submission, your information will be reviewed by a representative immediately


Step 2: Talk to a Title Pro Customer Service Rep & Finalize The Loan

One of our helpful customer service representatives will contact you by phone. This experienced and knowledgeable representative will answer any questions that you might have and help guide you through the rest of the application process. The representative will also help you complete the online vehicle appraisal process, which requires a clear vehicle title. You will also need to submit loan documents, including a government-issued ID and any state required items, needed for the review process. You’ll also get help with signing documents electronically.


Step 3: Get The Cash You Need

After we receive all of the required documentation and all electronic signatures have been provided, you receive the results of your loan application. Many applications are processed and completed within the same day. After you are approved, we can wire the money directly to your bank account, or we can send you the funds via Western Union. It’s that simple!

Some people might wonder, “How does a title loan work? Do I have to give up my car to get a loan?” The simple answer is “no.” You’ll be able to keep driving your vehicle during the term of the loan. Just contact our customer service representatives and we’ll help you get the cash you need fast, often within the same day you apply. Still have questions? We’d be glad to answer them by phone or email. Let us help you become another satisfied Title Pro customer 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.

    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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