Make Your Vehicle Generate Cash in Washington

In the bustling state of Washington, let your automobile assist you in securing the funds you need! LoanCenter is here to use your automobile as collateral for the loan without necessitating you to hand over your keys. Moreover, regular payments could boost your credit score.

Washington, home to Seattle, the space needle, Pike Place Market, and the scenic Olympic National Park, is a hub of busy lifestyle and culture. The state is also recognized for its tech industry, including giants like Microsoft and Amazon. In such a bustling environment, your car can work for you through a title loan.

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Understanding Auto Title Loans

With LoanCenter, credit is not the only determinant for eligibility, making it an effective solution for those with low credit ratings. Possessing a vehicle, proof of earnings, and demonstrating your repayment capacity could make you eligible for a car title loan. 

The process includes:

Evaluating your car’s value to ascertain the loan amount.

Using your car as collateral to secure the assurance on the loan.

Retaining your car while potentially enhancing your credit score.

What Is a Car Title Loan?

Deciphering Car Title Loans

Typically, loan processes involve assessing your credit score, financial history, and employment status to establish your credibility. However, car title loans differ slightly. If approved, they provide cash for any purpose, with your vehicle’s value being a primary factor in determining the borrowed amount.

Benefits of a LoanCenter Title Loan

Advantages of LoanCenter Title Loans in Washington

LoanCenter’s comprehensive evaluation of borrowers enables us to provide loans to individuals with varying credit scores, utilizing your vehicle as collateral. Our unmatched benefits are;

  • A swift and easy application process.
  • Quick access to your funds.
  • Competitive rates for auto title loans, surpassing our competitors.

Need finance for any reason or just some extra cash? Trust LoanCenter to support your needs in Washington. Contact us today; let’s make your car 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!

Guidelines for Faster Loan Approval

To expedite the loan approval process:

  • Ensure the documents you provide related to your vehicle are accurate.
  • Submit all required documentation with your application.

Usually, you’d need to provide identification proof, your vehicle’s title, and proof of ability to repay. This aids us in determining the maximum loan amount you can borrow.

Following your submission, our welcoming loan officers will contact you or you may reach us at (866) 553-3840 to find out how much you qualify for. If you’re content with the loan amount determined, our loan officers will guide you to complete the remaining paperwork.

We recommend contacting a representative at LoanCenter to ascertain the documents needed for submission. Gathering these documents earlier will facilitate a faster application process and ensures our team can promptly review and make a credit decision on your 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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Washington Loan FAQs

What are Washington Title Loans?

Washington Title Loans are short-term, high-interest loans that use your car title as collateral. They are typically used by individuals who need quick cash and don’t have a strong enough credit rating to secure a traditional loan.

How do title loans work in Washington?

In Washington, you borrow money against the value of your vehicle. You’ll have to handover your car’s title to the lender until the loan is fully paid off. If you fail to repay the loan, the lender can take your vehicle.

What are the regulations for title loans in Washington?

Washington state laws cap the loan amount at either half of the borrower’s monthly income or the vehicle’s fair market value, whichever is less. The maximum loan term is 30 days, and the interest rate is capped at 25% per month.

How can I apply for a title loan in Washington?

You can apply for a title loan in person at a store or online. You would need to provide personal information, your vehicle’s title, proof of income, and possibly a current photo ID.

What if I can’t repay my Washington title loan?

If you can’t repay your loan, the lender has the right to repossess and sell your vehicle. However, they must let you know ahead of time, and you may have the opportunity to pay off your loan to prevent this.

Can I have more than one Washington title loan?

Laws vary, but typically, you can only have one title loan per vehicle at a time. Multiple title loans on the same vehicle are not permitted by most states, including Washington.

What are the risks of taking out a title loan in Washington?

The risks include high interest rates, additional fees, and the risk of losing your vehicle if you can’t repay the loan.

What are the benefits of taking out a title loan in Washington?

Some benefits might include: quick access to cash, no need for good credit, and you can still use your vehicle while repaying the loan.

Can I get a title loan in Washington with bad credit?

Yes, title loans are typically interest-based and don’t require a credit check. Your vehicle title acts as collateral for the loan.

Can I get a Washington title loan without a job?

Yes, you can get a title loan without a job, but you’ll need to show some proof of income, like disability, retirement, or unemployment benefits.

Are there alternatives to title loans in Washington?

Yes, alternatives could include personal loans, payday loans, pawn loans, or asking friends or family for assistance.

What happens if I default on my Washington title loan?

If you default on your title loan, the lender has the right to repossess and sell your vehicle.

How much money can I get from a title loan in Washington?

The amount depends on your vehicle’s value and your ability to repay, but typically, loans can be for a few hundred to a few thousand dollars.

How quickly can I get a title loan in Washington?

Most lenders can process title loans quickly, often on the same day or within 24 hours.

Can I pay off my Washington title loan early?

Yes, there is typically no penalty for paying off your title loan early, and doing so could save you money on interest.

How do Washington title loans compare to payday loans?

Title loans often offer larger loan amounts than payday loans and may have lower interest rates. However, they require collateral – your vehicle.

Do I need full coverage insurance for a title loan in Washington?

Some lenders require full insurance coverage on the vehicle until the loan is paid off.

What can I do to protect my rights as a borrower of a title loan in Washington?

It’s important to only borrow what you can afford to pay back and ensure you understand the terms of the loan. If you have problems, you may be able to seek assistance from Washington’s Department of Financial Institutions.

What types of vehicles are accepted for title loans in Washington?

Most title loan companies will accept cars, trucks, SUVs, and motorcycles that are lien-free and have market value.

Can I refinance my Washington title loan?

Yes, some lenders may allow you to refinance your title loan to lower your monthly payments, reduce your interest rate, or borrow additional money.


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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