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Why Get a Title Loan with LoanCenter?

When you get a title loan from LoanCenter, you may be able to benefit from:

See offers in minutes

Competitive Rates

Get Your Cash Fast

Build Your Credit

We Make It Easy to Get Cash in Your Pocket

We know how unpredictable life can be, and LoanCenter is here to help when you need it most. With our accessible title loans, you can get quick cash in your pocket by using your vehicle as collateral. Here at LoanCenter, we believe that past mistakes should not determine the rest of your financial life. A car title loan, motorcycle loan or RV title loan can put needed cash in your pocket rapidly. Let one of our trustworthy. Loan Officers help you find the right loan for you.

LoanCenter helps you access many different types of loans from one trusted lender while customizing your financing options from the comfort of your home. The application process is easy, personable, and instant without affecting your credit score.

How Do Title Loans Work?

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

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

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

Different Kinds of Title Loans

You can use different vehicles to secure your loan

Car Title Loans

We understand that unexpected situations may demand the need for quick cash. Medical emergencies, home repairs, car repairs, and many other unpredictable situations all need immediate attention. These situations can put a big strain on your finances.

Don’t stress about money problems; instead get a car title loan from Loan Center. Car title loans, also known as auto title loans, work a little bit differently than a traditional personal loan. If approved, a car title loan gives you cash to be spent at your discretion so long as it is used for legal purposes. Your vehicle value is one of the main factors that determine how much money you can borrow, rather than solely reviewing and relying on your financial history as a prospective borrower.

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Motorcycle Title Loans

Getting a loan when you need it most can be a challenging process. Here at LoanCenter, we understand that no one plans on having an emergency, but unfortunately they can happen. If you find yourself in this predicament, a motorcycle title loan from LoanCenter is a quick option to get fast cash. A motorcycle title loan is a secured loan where you can get money using your motorcycle as collateral.

With a motorcycle title loan, you can borrow up to $4,000 in cash quickly. Our goal is to get you the cash you need as soon as possible. The terms of the motorcycle title loan are flexible and based on what suits your lifestyle. Find out today how much you can get!

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RV Title Loans

At LoanCenter, we understand how unpredictable life can be, and we want to help. You might be wondering how an RV title loan works. It works just like any other title loan; you get a loan using your RV as collateral.

You can borrow up to $4,000 with an RV title loan, depending on the value of your RV. The process is similar to that of other title loans. The process is straightforward. A lien is placed on the RV’s title in exchange for a loan amount. If you make payments on time and pay your loan off, the lien is removed, and the title is returned to you. Get an RV title loan today to get the money you need, and keep enjoying the luxury of your RV.

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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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How to Refinance a Car Loan With Bad Credit

If you’re struggling to make payments on your car loan, you may dream of being able to turn back the clock and find a loan with better terms. Fortunately, you can turn this dream into a reality by refinancing your car loan. Refinancing is the process of taking out a new car loan to replace

FAQ

GENERAL

Is there a penalty to pay my loan early?

No. There is no penalty to pay your loan early. In fact, paying your loan in full early will reduce the interest charged on your loan.

Can you help if I already have a title loan with another company?

Yes. We offer some of the most competitive rates and flexible payment terms in the industry. We may be able to pay off your existing car title loan to lower your monthly payment and save you money.

Do I need to be currently employed?

No, but we do need to know that you have the ability to make payments. This means you need some sort of income that you can prove. We do allow co-signers on the loan if necessary.

How much can I borrow?

The amount you can borrow will depend on several factors. Most important for secured installment loans is the value of your vehicle and your ability to repay. Amounts and availability vary by state. In general, loan amounts range from $2,000 to $3,500 for unsecured installment loans and from $2,000 to $30,000 for secured installment loans.

Can I make extra payments?

Yes, extra payments will help reduce the amount of interest you pay. The faster you pay, the lower your interest charges.

What can I do with the money I borrow?

You must use the money for legal purposes only. We always suggest that you use the money you borrow responsibly because you are obligated to pay it back.

How do I get my title back after I have paid off the loan?

We will release our lien on the vehicle after you have paid off your loan. The title will be returned to you in accordance with the requirements of your state’s Department of Motor Vehicles (or similar agency).

I’m not comfortable providing my social security number online. What should I do?

Since our application is secure (www.thawte.com), you should not be concerned about any information you enter on your application. However, we understand that some people may be uncomfortable providing sensitive information on the web. If you do not wish to provide this information online, simply call us at (800) 227-8485 to apply over the phone.

CAR TITLE LOANS

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.