Discover the Potential Cash Hidden in Your Car

Your automobile can be more than just a means of transport – it can be the key to securing the cash you need! At LoanCenter, we make use of your car as collateral to secure the loan. However, this does not mean that you have to surrender your keys to us to get a loan. As long as you make your payments consistently every month, you remain in control of your car. Additionally, it’s an opportunity to enhance your credit bureau score2 with timely repayments.

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An Insight into Title Loans

This type of loan is an excellent choice for those with low credit scores since credit is not the sole determinant for eligibility. If you hold the title of a car, can provide proof of income and show evidence of repayment ability, you might 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?

Understanding Car Title Loans

While most loans operate in a similar fashion, where a lender looks at your credit score, financial history, outstanding debts, and employment record, car title loans operate slightly differently. If your loan is approved, a car title loan enables you to access cash to use as you see fit1. Instead of only focusing on your financial history, one crucial factor that determines how much you can borrow is your vehicle’s value.

Benefits of a LoanCenter Title Loan

Benefits of a LoanCenter Title Loan in Missouri

Located in the heart of the country, Missouri boasts a thriving economy with growth in sectors like health care, agriculture, manufacturing, and retail. The state is also famous for its rich history, cultural diversity, and world-class education institutions. Here at LoanCenter, we are dedicated to providing loans to people with good credit and those with poor credit. We believe in viewing the borrower’s “big picture.” Living in Missouri, you have the advantage of accessing our services without hassle.

Here are some reasons why a LoanCenter Title Loan is a beneficial choice:

  • Your car acts as collateral, making it easier to qualify for a loan.
  • We’ve made our application process quick and easy, so you can access your money fast.
  • We offer competitive rates for car title loans, usually even lower than our competitors.

When you face financial challenges, or simply need extra cash, LoanCenter is a reliable source of the funding you require in Missouri. Get in touch with us today and experience how we can assist you. We work hard to offer rates that beat our competitors and provide you with the cash you need promptly. Let your vehicle be a financial asset for you.

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!

Tips for Quick Approval

For a swift approval:

  • Provide accurate information about your vehicle when filling your loan documents.
  • Submit all the required documents along with your application
  • Generally, proof of identification, your vehicle’s title, and proof of income are necessary.

This will assist us in determining the maximum amount you can borrow. Once you have submitted your information, our friendly loan officer will get in touch with you. If you prefer, you can also call us toll-free at (866) 553-3840. After agreeing on the loan amount, your loan officer will guide you through the completion of the remaining paperwork. To find out what documents are needed, consult a representative at LoanCenter. Once you have gathered these documents, you can submit your application so our team can review and make a credit decision on your car title loan as quickly 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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Missouri Loan FAQs

What is a Missouri Title Loan?

A Missouri Title Loan is a short-term loan that uses your vehicle’s title as collateral. You can still use your vehicle while paying off the loan.

How do I qualify for a Missouri Title Loan?

To qualify for a Missouri Title Loan, you need a government-issued ID, the car title in your name, and the vehicle for inspection. Some lenders might require proof of income.

Are Missouri Title Loans legal?

Yes, title loans are legal in Missouri. They are regulated by the Missouri Division of Finance.

What is the maximum amount I can borrow with a Missouri Title Loan?

The maximum loan amount in Missouri is $5,000.

How quickly can I get a Missouri Title Loan?

Depending on the lender, you could get a Missouri Title Loan in as fast as 30 minutes.

Can I apply for a Missouri Title Loan with bad credit?

Yes, you can. One of the benefits of a Title Loan is that it doesn’t require a credit check.

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

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

Can I get a Missouri Title Loan online?

Yes, many lenders offer online applications for Missouri Title Loans.

Can I have multiple Missouri Title Loans at once?

No, you can only have one title loan per vehicle and per borrower at any given time in Missouri.

How long do I have to pay back a Missouri Title Loan?

Title loan terms vary by lender, but typically, you have 30 days to repay the loan.

Can I pay off my Missouri Title Loan early?

Yes, you can typically pay off your title loan early without penalty.

What are the interest rates for Missouri Title Loans?

The interest rates can vary greatly and are often high due to the nature of the loan.

Can I get a Missouri Title Loan if I don’t have full coverage insurance?

It depends on the lender. Some may require proof of insurance before issuing a title loan.

What type of vehicle qualifies for a Missouri Title Loan?

Most cars, trucks, and motorcycles that are free of liens and are paid off can qualify for a title loan.

Can I get a Missouri Title Loan if the vehicle isn’t in my name?

No, the vehicle must be in your name to qualify for a title loan.

What are the alternatives to Missouri Title Loans?

Alternatives may include personal loans, credit card cash advances, payday loans, or borrowing from family and friends.

Are there any prepayment penalties on Missouri Title Loans?

No, there are no prepayment penalties on these loans in Missouri.

Can I renew or rollover my Missouri Title Loan?

Yes, you can renew or rollover your title loan, but it may result in additional interest and fees.

Can I get a Missouri Title Loan if I’m unemployed?

It depends on the lender. Some may require proof of income, while others may only require proof of ownership of the vehicle.

How does repossession work in Missouri if I fail to repay my Title Loan?

If you fail to repay your loan, the lender has the right to repossess your vehicle without warning. They can then sell the vehicle to recover the loan amount.


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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