Transform Your Car into a Cash Generating Asset in Utah

Whether you’re in Salt Lake City or Provo, your automobile could help you secure the funds you’re in need of! LoanCenter allows you to use your automobile as collateral in securing a loan, enabling you to keep your car and potentially boost your credit score by making timely payments.

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How Does The Title Loan Process Work?

Regardless of your credit score, you could be eligible for a car title loan provided you own a vehicle, can prove your income and your capability to repay the loan. The process involves leveraging your vehicle’s worth to determine how much you’re eligible to borrow. Your vehicle serves as collateral, but you retain usage while repaying the loan.

The value of your vehicle is used to determine the amount you can borrow.

Your car acts as collateral to guarantee the loan.

It’s a great way to unlock the value of your car whilst potentially improving your credit score!

What Is a Car Title Loan?

What Are Car Title Loans Anyway?

While conventional loans examine your credit history, financial background, existing debts and employment records, car title loans do it differently. Upon receiving approval for a car title loan, you receive cash for discretionary spending.

Your vehicle’s worth is a key determinant in the amount you’re allowed to borrow, unlike the traditional method where your financial history is the only consideration. 

Benefits of a LoanCenter Title Loan

Why Choose a LoanCenter Title Loan?

At LoanCenter, we cater to a wide range of credit scores, providing loans to both poor and excellent credit holders. Our title loans are easily accessible since your vehicle is used as collateral. The application process is quick and straightforward, and funds can be received rapidly.

We offer competitive rates for car title loans, typically lower than our competitors. Whether you’re hit by unexpected events or need extra cash, LoanCenter is your dependable source for financial aid! Contact us and find out how we can assist. We aim to offer the most competitive rates and help you get the cash you require. In Utah, let your automobile work 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 Rapid Application Approval

Ensure that your vehicle documents are precise and accurate. Immediately submit the necessary paperwork alongside your application. Typically, proof of identification, vehicle title, and evidence of repayment ability are required. This helps us in determining the maximum loan amount. Our loan officer will reach out to you once we receive your details. Alternatively, you can reach us toll-free at (866) 553-3840 to ascertain the amount you qualify for.

If you’re content with the loan amount and want to proceed with the application, our loan officer will guide you in completing the remaining paperwork. Consult a LoanCenter representative to find out the documents needed for submission. Begin collating these documents to apply swiftly. This aids our team in promptly reviewing and deciding upon your car title loan application.

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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Utah Loan FAQs

What is a Title Loan in Utah?

A title loan in Utah is a type of short-term loan in which the borrower uses the title of their car as collateral.

How can I get a title loan in Utah?

You can apply for a title loan in Utah by submitting an application to a lender, either online or at a physical location. You’ll need to provide your vehicle title, proof of income, and a government-issued ID.

Are title loans legal in Utah?

Yes, title loans are legal in Utah. However, there are state laws and regulations that govern the interest rates, fees, and terms of these loans.

How fast can I get a title loan in Utah?

Typically, the process for getting a title loan in Utah can be completed in as little as 30 minutes.

What are the interest rates for title loans in Utah?

The interest rates for title loans in Utah vary depending on the lender, but they can be quite high. Always check the APR before agreeing to a loan.

Can I get a title loan in Utah without a job?

While some lenders may require proof of income, others might provide a loan if you can prove that you have a way to repay it.

Can I get a title loan in Utah if I have bad credit?

Yes, you can get a title loan in Utah even if you have bad credit, as these loans are primarily based on the value of your vehicle.

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

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

Can I keep driving my car while I have a title loan in Utah?

Yes, you can typically continue driving your car while you have a title loan as long as you are making your agreed-upon payments.

Can I get a title loan online in Utah?

Yes, many title loan companies in Utah offer online applications.

Can I get a title loan on a financed car in Utah?

This depends on the lender, but in many cases, you can get a title loan on a financed car if you have enough equity in the vehicle.

Can I pay off my title loan early in Utah?

Most title loan companies in Utah allow borrowers to pay off their loan early without incurring any prepayment penalties.

How many title loans can I have at one time in Utah?

Utah law only allows one title loan at a time per borrower.

What are the requirements for a title loan in Utah?

You typically need a lien-free car title, a government-issued ID, and proof of income.

How can I find reputable title loan companies in Utah?

You can research online reviews, check with the Better Business Bureau, and look for lenders with clear, transparent terms and conditions.

Can I renew a title loan in Utah?

Yes, some lenders allow for loan renewal, but additional interest and fees may apply.

Can I get a title loan in Utah with an out-of-state title?

It’s possible, but many lenders in Utah require a Utah car title.

Can self-employed people get a title loan in Utah?

Yes, self-employed individuals can qualify for a title loan as long as they provide proof of their income.

What’s the maximum amount I can borrow with a title loan in Utah?

The maximum loan amount varies by lender and the value of the vehicle but there is no legal limit in Utah.

How long do I have to repay a title loan in Utah?

Repayment terms vary by lender but are typically 15 or 30 days. However, longer-term loans may also be available.


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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