Alabama Residents: Boost Your Financial Potential

Located in the charming state of Alabama, you have the opportunity to unlock much-needed cash through your car’s value. Here at LoanCenter, we offer our customers the option to use their cars as collateral for a loan. No need to part ways with your vehicle – you’re free to continue driving it as long as you keep up with the loan repayments.  

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Decoding Car Title Loans in Alabama

Given the variable credit scores of Alabamians, car title loans offer a flexible and accessible solution. If you’re an owner of a car, can provide proof of income, and prove your capability to repay the loan, you might qualify for a car title loan.

Key points about the loan:

The loan amount depends on your car’s worth.

Your car acts as the guarantee for the loan.

Maintain the usage of your car and possibly boost your credit rating!

What Is a Car Title Loan?

The Process of Car Title Loans in Alabama

Traditional loans are usually determined by your credit score, financial background, employment history, and current debts. However, car title loans work differently, they mainly focus on your vehicle’s worth.

These specialized loans, also known as auto title loans, provide you the opportunity to use the loan as you wish. The loan amount you can apply for is mostly based on your car’s value, rather than just your financial background.

Benefits of a LoanCenter Title Loan

Advantages of a LoanCenter Title Loan

At LoanCenter, we adopt a comprehensive approach, taking into account the complete financial situation of a borrower. Despite your credit score, our goal is to offer loans to all Alabama residents.

Key benefits include:

  • Easy qualification for car title loans as your car acts as the security.
  • Expedient and user-friendly loan application process.
  • Competitive rates for car title loans, often lower than what our competitors offer.

If you are in need of financial assistance or simply need some extra cash, LoanCenter is here to help. We aim to assist Alabama residents by offering credit options using their vehicles. Get in touch with us today, and let us assist you in utilizing your car’s worth.

Our Auto Loan Process

You may be eligible to borrow money against the equity in your car. With a car title loan, you can borrow cash by applying for a title loan. If you accept your loan offer, you will be approved for a title loan. Finding out how much you qualify for is fast, easy, and free! Find out how much you can borrow by submitting your loan application.


Get Pre-Qualified

Fill out the form or call us at (866) 553-3840


See Your Offers

Let one of our LoanCenter Loan Officers show you how much you qualify for.


Submit Docs

Submit all your documents and finalize your loan paperwork


Get Your Cash!

Receive your cash—it’s
really that easy!

Steps To Expedite Your Cash Approval

If you aim for a speedy approval:

  • Ensure all documents related to your vehicle are precise.
  • Submit all necessary documents along with your application.
  • Typically, you will need to provide proof of ID, your car’s title, and proof of your ability to repay the loan.

This way, we can accurately assess your borrowing capacity. Once we receive your application, one of our friendly loan officers will contact you. Alternatively, you can call us toll-free at (866) 553-3840 to understand your eligibility over the phone. Our team is here to assist you! If you’re comfortable with the loan amount offered, our loan officer will guide you through the remaining paperwork.

To speed up your application process, we recommend speaking with a LoanCenter representative to understand the required documents and prepare them in advance. This enables our team to review and make a decision on your car title loan application as swiftly as possible.

If you want to find the LoanCenter closest to you, try using our Licensed Partner Locations tool today.


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What to know more?

Here are some of the articles we’ve written to make things a little easier to understand.

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Alabama Loan FAQs

What is an Alabama title loan?

An Alabama title loan is a short-term loan where a borrower’s vehicle title is used as collateral.

How does an Alabama title loan work?

You apply with a lender, providing them with your vehicle title. If approved, you’ll give the lender your vehicle title in exchange for a loan amount. You repay the loan, with interest and fees, within the specified term and get your title back.

Are title loans legal in Alabama?

Yes, title loans are legal in Alabama. However, lenders must adhere to state regulations, which cap the interest rate and terms.

How much can I get for a title loan in Alabama?

The loan amount largely depends on the value of your vehicle and your ability to repay the loan. Some lenders offer loans from a few hundred to several thousand dollars.

What are the interest rates for title loans in Alabama?

Interest rates can vary based on the lender, but Alabama law caps them at 25% per month.

What happens if I can’t repay my title loan in Alabama?

If you can’t pay back your title loan, the lender has the right to repossess your vehicle and sell it to recover their loss.

Can I get an Alabama title loan with bad credit?

Yes, title loans are often available to individuals with bad credit, as they are secured loans based on the value of the vehicle.

Can I keep my car while using it for a title loan in Alabama?

Yes, typically you can keep driving your car while you have a title loan. The lender only requires the title.

How quickly can I get a title loan in Alabama?

In many cases, you can get a title loan the same day you apply, as these loans typically don’t require a credit check.

Are there any penalties for paying off an Alabama title loan early?

This depends on the lender. Some may have prepayment penalties, others don’t. It’s important to read the terms of your loan agreement carefully.

Can I get a title loan online in Alabama?

Yes, many lenders offer online title loans in Alabama, where you can complete the entire process online.

How many title loans can I have in Alabama?

Alabama law doesn’t specify a limit, but most lenders will only offer one title loan per vehicle.

Can I refinance a title loan in Alabama?

Yes, if you have a title loan with high interest, you may be able to refinance it to get a lower interest rate with a different lender.

What are the requirements to get a title loan in Alabama?

You’ll need a lien-free car title, a valid ID, proof of income, and sometimes proof of residency.

Can I get a title loan in Alabama if I don’t have full coverage insurance?

Some lenders require full coverage insurance, others don’t. It depends on the lender’s policies.

Can I get a title loan on a salvage title in Alabama?

Some lenders may offer title loans on salvage titles, but not all. It’s best to check with individual lenders.

What is the maximum term for a title loan in Alabama?

The maximum term for a title loan in Alabama is usually 30 days, but some lenders may offer extensions.

Do all Alabama title loan providers operate the same way?

No, different providers may have varying interest rates, fees, terms, and requirements.

How do I find a reputable title loan provider in Alabama?

Research online, read reviews, and check if they follow Alabama state regulations to find a reputable provider.

Can a title loan in Alabama affect my credit score?

If the lender reports to the credit bureaus, late or missed payments can negatively affect your credit score. Similarly, repaying the loan on time can positively impact your credit.


What is a car title loan?

A car title loan is a personal loan that is secured by the borrower’s vehicle. The loan amount is based upon the vehicle’s value and the borrower’s ability to repay, making your credit score a less important factor. The borrower gets to keep driving the car while the loan is outstanding.

What do I need in order to get approved for a car title loan?

The amount you are approved for will depend on several factors, including:

  • Your Car’s Value
  • State Laws
  • Your Income
  • Type of Vehicle

How much does my car have to be worth?

In general, the car needs to be worth more than the amount of money you borrow. It takes only a few minutes to find out how much you can borrow, and there is no charge and no obligation to find out.

Can I get a car title loan if someone else’s name is on the title with mine?

Yes. We can offer a loan if more than one name is on the vehicle’s title.

Can I get a car title loan if I cannot find the title to my car?

Yes. We may offer a loan if you have lost or misplaced the vehicle’s title.

Do I get to drive my car while the loan is outstanding?

Absolutely! One of the benefits of a car title loan is that you can keep driving your car while the loan is outstanding.

What is the cost of my credit going to be?

The interest rates vary depending on the state of residency of the borrower, creditworthiness, collateral, and the terms agreed to. The annual interest rates vary between 34.99% and 157.99%. For a typical loan of $4,000 with an 80% annual percentage rate and a 24-month term, the monthly payment is $338.61, the total scheduled interest is $4,126.87, and the total of payments is $8,126.64. The interest on the loan may vary depending upon the timing of the payments made.

For Utah residents only please click here to see our Utah Fee Schedule.

For Missouri residents only please click here to see our Missouri Fee Schedule .

Is it possible to have a co-signer on my car title loan?

Yes. You can have a co-signer on your car title loan. The co-signer will need to sign a credit application and provide identification, proof of residence, and proof of income. We keep all non-public personal data private and will not let the borrower see the co-signer’s data and vice versa.

For more questions and answers, head to our Frequently Asked Questions page.

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