Where is the Best Place to Get A Title Loan?

Proper Credentials

You should avoid applying for a title loan with a lender that does not have the proper credentials. The licensing and registration requirements for title loan companies can vary from state-to-state. Research what a title loan company needs to legally operate in your state. Then, look for a title loan company that has these credentials.

Title loan companies should be more than happy to discuss their credentials with you, so don’t be afraid to ask them questions. If they aren’t willing to provide this information, that could indicate that they have not obtained the proper credentials. 

Easy Application Process

Applying for a traditional personal loan is exhausting. You may need to visit a lender in person, fill out stacks of paperwork, spend hours tracking down specific documentation, and then wait days or even weeks to find out if you are approved.



Applying for a loan shouldn’t be a chore. Look for a title loan company that offers a simple and straightforward application process. Find a lender that allows you to apply for a title loan over the phone or online, which is far more convenient than applying for a loan in person. You should also choose a lender that clearly explains what steps you will need to take to submit an application. This way, you know exactly what to expect when you are ready to apply.

No Prepayment Penalties

Paying off your title loan earlier than expected is a smart financial decision because the sooner you pay off your title loan, the less you will have to pay in interest. Unfortunately, some title loan companies charge borrowers prepayment penalties, which are fees that penalize borrowers for paying off their loans early.

You shouldn’t be penalized by your lender for being financially responsible. If you plan on paying off your loan as soon as possible, look for a title loan company that does not charge prepayment penalties. Read the fine print of your title loan agreement carefully to ensure it does not include a prepayment penalty or any other additional fees.

Excellent Customer Service

You should avoid doing business with a title loan company that doesn’t value you as a customer, which is why it’s so important to look for a lender that provides excellent customer service.

Find out how you can get in touch with the title loan company if you have questions or concerns during the application process. Is there a phone number you can call to speak to someone directly? Or will you need to wait hours or days for a response?

Choose a title loan company that is happy to answer your questions, address your concerns, and provide more information on title loans in general. This will make the entire process of taking out a title loan much easier for you.

Convenient Payment Options

You shouldn’t have to jump through hoops to make a title loan payment. If making a payment is difficult, you may accidentally miss a payment, which could negatively impact your credit score. To avoid this problem, look for a company that offers a variety of convenient payment options.

You should be able to make a payment online or over the phone with your debit/credit card or bank account. Ideally, you should also be able to make a payment by mailing a check or money order to the title loan company. You may also get the opportunity to sign up for auto pay, which means the payments will be automatically deducted from your account on the agreed upon due dates. 

Flexible Terms and Competitive Rates

Finally, look for a title loan company that offers competitive rates and flexible terms. Ask for quotes from multiple title loan companies so you can compare rates and other loan terms. The lower the interest rate, you will likely pay less over the course of the loan.



The interest rate isn’t the only thing you should focus on when comparing quotes from various lenders. You should also pay attention to the loan term, which is the length of the loan, payment amount, and payment frequency. Read the quote carefully to look for hidden fees that could drastically increase the total cost of your title loan. Reviewing these factors will make it easier to choose the right title loan company for you.

How to Apply for A Title Loan From 1(800)Car-Title®

Your search for the best place to get a title loan is over. If you’re ready to apply for a title loan from 1(800)Car-Title®, follow these steps:



1. Start the application process. Call 1-800-227-8485 to speak to a loan officer directly. Or fill out the form on our website and a loan officer will contact you shortly to inform you of your approval status.
2. Get approved. Provide your loan officer with some basic information about your vehicle, including the make, model, year, and mileage. Your loan officer will use this information to prepare a free quote, which will tell you how much you are approved to borrow and at what interest rate.
3. Sign and submit documentation. You will need to sign and submit certain documentation to finalize your title loan. Your loan officer will walk you through this process to ensure you know exactly what you need to do to complete your application.
4. Collect your money. If approved, your money will be available soon after your application is approved. You can choose to pick up your cash at one of our convenient locations or have it sent to you via check or wire transfer.

1(800)Car-Title® makes it easy to get a title loan. Contact us today to get started.

Loan approval is subject to meeting the lender’s credit criteria, which include demonstration of ability to repay the loan. Not all applications will be approved.