Experience the Power of Autonomy in Mississippi

Your vehicle can now serve a dual purpose – a means of mobility and an opportunity to access the much-needed funds! At LoanCenter, we recognize your automotive assets and use it as collateral to secure your loan. The best part? You still retain the right to use your vehicle as long as you’re keeping up with your monthly payments. This could also be a chance to step up your credit score2 with timely repayments.

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Understanding Car Title Loans

Credit isn’t the only determining factor for loan eligibility. Thus, if your credit score isn’t particularly strong, this could be an ideal option for you. As long as you’re a vehicle owner with a steady income and ability to repay the loan, you could qualify for a car title loan.

Our key considerations are:

Using your vehicle value to decide your loan amount.

Using your vehicle as collateral to secure the loan.

Allowing you to continue using your vehicle and potentially improve your credit score!

What Is a Car Title Loan?

Enlightening on Car Title Loans

Contrary to most loans that gauge your financial history, employment record, outstanding debts, and credit score to deem you creditworthy, auto title loans offer a different perspective. If approved, you receive cash that you can spend as you please1. The vehicle value essentially impacts how much money you can borrow, rather than just your financial history as a borrower.

Benefits of a LoanCenter Title Loan

Why Choose LoanCenter Title Loan in Mississippi?

At LoanCenter, we acknowledge the “big picture” when evaluating borrowers. We offer loans to individuals with both exemplary and poor credit. With your vehicle acting as collateral, qualifying for a title loan is easier! Our noteworthy attributes include:

  • A quick and straightforward application process with rapid money receipt.
  • Competitive rates for car title loans, frequently lower than what our rivals can provide.
  • Reliable assistance for those in need, whether you’re facing a difficult situation or need extra cash.

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!

Getting Your Cash Quicker in Mississippi

To expedite your approval process:

  • Provide accurate vehicle loan documents.
  • Submit all the necessary documentation alongside your application.
  • As a standard, you’d need to provide proof of identification, vehicle title, and proof of ability to pay.

Once we have your information, our friendly loan officer will communicate with you. Alternatively, you can call us toll-free at (866) 553-3840. For a smooth process with your car title loan application, speak to a LoanCenter representative to understand what documentation you’ll need to submit. Start preparing these documents now to ensure our team can swiftly review and make a credit decision on your car title loan application.

Join us at LoanCenter, Mississippi, and let’s discuss how we can put your vehicle to work for you!

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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Mississippi Loan FAQs

What is a Mississippi Title Loan?

A Mississippi Title Loan is a short-term loan that uses the borrower’s car title as collateral. The borrower must be the sole owner of the vehicle.

How do I qualify for a Mississippi Title Loan?

Qualification requirements may vary, but generally, you need to own a lien-free vehicle, have a valid ID, and proof of income.

How long does it take to get a Mississippi Title Loan?

Getting a Mississippi Title Loan can be quick. The process can often be completed in 30 minutes to an hour.

Can I get a Mississippi Title Loan with bad credit?

Yes, since the loan is secured against your vehicle, most companies will not check your credit score.

How much money can I get with a Mississippi Title Loan?

The loan amount is determined by the value of your vehicle, your need, and your ability to repay. It can range from a few hundred to several thousand dollars.

Will I be able to keep using my vehicle?

Yes, most title loan companies in Mississippi allow you to keep using your vehicle while repaying the loan.

Where can I get a Mississippi Title Loan?

You can find Mississippi Title Loan providers at physical locations across the state or online.

What happens if I can’t repay a Mississippi Title Loan?

If you can’t repay the loan, the lender has the right to repossess your vehicle and sell it to recover their money.

Are there any penalties for early repayment of a Mississippi Title Loan?

This depends on the loan agreement but generally, there are no penalties for early repayment.

How high are the interest rates for Mississippi Title Loans?

Interest rates can be quite high, sometimes even up to 300% annually, so it’s essential to understand the terms before signing.

What is the repayment period for Mississippi Title Loans?

This varies by lender but repayment periods can range from a few weeks to a few months.

Do I need to be employed to get a Mississippi Title Loan?

While some lenders require proof of income, you don’t necessarily need to be employed. Other forms of income like pension, disability, or unemployment benefits may also be acceptable.

Can I get a Mississippi Title Loan if I have a motorcycle or boat?

Yes, some lenders also accept motorcycles, boats, and other types of vehicles as collateral.

Can I pay off my Mississippi Title Loan online?

Yes, many lenders offer online payment options.

What documentations do I need for a Mississippi Title Loan?

Generally, you’ll need a lien-free vehicle title, a valid ID, and proof of income.

Are title loans legal in Mississippi?

Yes, title loans are legal in Mississippi and are regulated by state laws.

Can I get more than one title loan at a time in Mississippi?

No, Mississippi law only allows one title loan per vehicle at a time.

How old do I have to be to get a Mississippi Title Loan?

You must be at least 18 years old to take out a Mississippi Title Loan.

Can I renew a Mississippi Title Loan?

Yes, you can renew a Mississippi Title Loan, but each renewal will come with new fees and potentially higher interest rates.

Is there a maximum amount for a Mississippi Title Loan?

There is no cap on the amount of money you can borrow with a title loan in Mississippi, but the amount depends on the value of your vehicle and your ability to repay the loan.


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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