Leverage Your Car’s Worth in Ohio

In the Buckeye State, your car can be more than just a means of transportation – it can also be a key to unlocking the cash you need. At LoanCenter, you can use your car as collateral to secure a loan without needing to surrender your keys. You get to retain possession of your car as long as you maintain your monthly payments. Moreover, prompt payments can go a long way in boosting your credit score!

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Understanding How Car Title Loans Function

Unlike traditional credit-based loans, car title loans are more accessible for those with low credit scores. The main eligibility requirements include owning a vehicle, evidence of income, and the ability to repay the loan. The value of your vehicle is then used as a basis to assess the loan amount you can borrow.

We use your vehicle value to determine how much money you can borrow

We use your vehicle as a form of collateral to secure the loan

You get to keep using your car and could be improving your credit score!

What Is a Car Title Loan?

Explaining Car Title Loans

Most traditional loans require an extensive check of your credit score, financial history, past debts, and employment status. Car title loans, on the other hand, function differently. Upon approval, you receive the cash without strict specifications on its usage. The lending amount is primarily determined by the value of your vehicle rather than just scrutinizing your personal financial history.

Benefits of a LoanCenter Title Loan

Why Choose LoanCenter Title Loan in Ohio

In the picturesque landscapes of Ohio, we at LoanCenter understand the big picture of the lending process, catering to borrowers with diverse credit scores. Our straightforward application process facilitates rapid cash reception with competitive rates for car title loans, often outperforming our rivals.

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!

Quick Tips for Faster Approval

For expedited approval, ensure your provided vehicle documents are accurate and complete. Submit all required documents with your application, including proof of identification, vehicle title, and proof of income. This enables us to ascertain the maximum loan amount you can borrow.

Once we process your information, our loan officers will establish contact for further steps. If you are comfortable with the loan amount and wish to proceed, our representatives will guide you through the remaining paperwork.

We encourage potential borrowers to contact us at LoanCenter for clarification on application documents. Prepare and organize your documents beforehand for prompt application review and quick credit decision making. Whether you prefer a phone call to our toll-free number (866) 553-3840, or an in-person meeting, we are always ready to assist you in Ohio!

Remember, in Ohio, your car can be more than just a ride – it can be the financial lifeline you need.

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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Ohio Loan FAQs

What is an Ohio Title Loan?

An Ohio Title Loan is a short-term loan where the borrower’s vehicle title serves as collateral. If the loan is not paid back, the lender has the right to take possession of the vehicle.

How do Ohio Title Loans work?

Ohio Title Loans involve an agreement where you hand over your vehicle title to the lender and get money in exchange. You are required to pay back the loan within a specific timeframe. Failure to do so may lead to losing ownership of your vehicle.

What are the requirements for an Ohio Title Loan?

Generally, requirements include proof of income, a government-issued ID, a clean vehicle title, and personal references.

What is the maximum amount I can borrow with an Ohio Title Loan?

The amount you can borrow varies depending on your vehicle’s value and your ability to repay. Some facilities offer loans up to $15,000, but it largely depends on the lender.

How quickly can I get an Ohio Title Loan?

Typically, you can get an Ohio Title Loan within 24 hours of applying, but this may vary with different lenders.

Can I get an Ohio Title Loan with bad credit?

Yes, you can usually get an Ohio Title Loan with bad credit as the loan is secured against your vehicle.

How high are the interest rates on Ohio Title Loans?

Interest rates vary among lenders, but they can be quite high compared to other types of loans because of the risk involved.

What happens if I can’t pay back an Ohio Title Loan?

If you fail to pay back an Ohio Title Loan, the lender has the right to repossess your vehicle and sell it to cover the outstanding debt.

Can I keep using my vehicle while having an Ohio Title Loan?

Yes, in most cases, you can continue using your vehicle as long as you are making timely repayments on your title loan.

Are there any penalties for early repayment of an Ohio Title Loan?

This depends on your specific lender. Some may charge a penalty for early repayment, while others will not.

Can I refinance my Ohio Title Loan?

Yes, it’s possible to refinance your Ohio Title Loan, but it depends on the lender’s policies and your ability to meet the refinancing requirements.

Are Ohio Title Loans a good idea?

This depends on your financial situation. They can be helpful in a financial crunch, but the high interest rates and risk of losing your vehicle make them a last resort option.

How can I find reputable Ohio Title Loan lenders?

You can research online, read reviews, and compare the terms of different lenders to find a reputable Ohio Title Loan lender.

Can I get an Ohio Title Loan if I’m unemployed?

Some lenders may provide Ohio Title Loans if you have another source of steady income, like disability or retirement benefits.

Can I pay off my Ohio Title Loan online?

This will depend on the lender. Many Ohio Title Loan providers offer online payment options for convenience.

Can I get an Ohio Title Loan without a bank account?

Yes, some lenders do offer Ohio Title Loans without requiring a bank account, you might be required to use a prepaid debit card instead.

Why do people get Ohio Title Loans?

People get Ohio Title Loans when they require immediate cash for emergencies and have no other immediate sources of funding.

Who regulates Ohio Title Loans?

The Ohio Department of Commerce Division of Financial Institutions regulates Ohio Title Loans.

Can I get more than one Ohio Title Loan?

The law typically allows one loan at a time per borrower. Having multiple title loans simultaneously can also significantly increase financial risk.

What are some alternatives to Ohio Title Loans?

Alternatives to Ohio Title Loans include personal loans, credit card cash advances, payday loans, borrowing from friends or family, or seeking assistance from local nonprofits or charities.


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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