HOW TITLE PRO WORKS

Transparency is one of the most vital components of our product, and our company overall. We want to make sure you feel as knowledgeable about and comfortable with the online loan process as possible. Not only have we put together the following step-by-step guide, but we also have customer service representatives standing by via phone and, on desktop computers, live chat! Getting a loan can be a big step, and it can sometimes feel overwhelming. With Title Pro representatives standing by, you’re never more than a phone call or a page click away from the answers you need and deserve.

Online Title Secured Loan Process

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Step 1: Submit Your Application

To get started, complete and submit our secure online application. Your information will immediately be reviewed.

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

Once your application is submitted, you will be contacted by one of our knowledgeable customer service representatives. They will help guide you through the next step of the online title secured loan process, which includes reviewing and collecting the necessary loan documents, completing our online vehicle appraisal process, and electronically signing documents.

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Step 3: Get The Cash You Need

Once we have collected all the required documents and you have electronically signed your loan documents, we can either wire the funds to your bank account or you can receive them via Western Union. You can get your cash as soon as today*!

And, we continue to be here for you long after Step 3! At Title Pro, we’re available to answer any questions or concerns before, during, and after the process. We strive to give you the knowledge and assistance you need to successfully obtain and repay your Title Pro loan. When you’re a Title Pro customer, you’re a part of the family.

*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%.