If you have a poor credit score, you might be wondering, “Can I get a loan with my car title?” The answer is yes! It is possible to qualify for  ChoiceCash car title loans with bad credit, and people from all different types of financial backgrounds can apply for the emergency cash they need.1

So, if you have bad credit, no credit, or even past bankruptcy, consider applying for a ChoiceCash title loan when you’re looking for a bit of financial relief.1

Using your car as collateral, you could gain access to the  emergency cash you need to take care of any unexpected expenses. Whether you need quick money for home repairs, car repairs, medical bills, or just general debt consolidation, a ChoiceCash car title loan has your back!1

Take advantage of the following benefits when you work with ChoiceCash:

  • Fast Approval1
  • Interest Rates May Decrease2
  • Flexible Terms
  • Bad Credit OK1
  • Refinancing Your Current Title or Low Balance Auto Loan2

Contact ChoiceCash today at 855-422-7402 to see if you qualify to refinance your current auto or title loan with a ChoiceCash title loan.1


If you’re new to car title loans, you may have heard a few different phrases used to describe them. Here are some other common names that car title loans may go by:

  • Title loan
  • Auto title loan
  • Pink slip loan
  • Auto equity loan
  • Title loan with bad credit
  • Automobile title loan
  • Car equity loan
  • Auto collateral loan
  • Cash for car title loan

Essentially, car title loans are a way for people to borrow against the equity in their vehicle and access fast and convenient emergency funding. The equity in a vehicle is simply the difference between the market value of a car compared to how much the owner currently owes on it. In order to determine the current amount of equity in a vehicle, car title loan lenders look at the year, make, model, and style of a car, as well as the current amount that the applicant owes on it. Are you wondering, “Can I take out a loan on my car if I’m still making payments?”

You may not have to own your vehicle outright to apply for a ChoiceCash title loan! If you are still making payments on your vehicle, you may need to complete a payoff authorization form so that your new title loan lender can pay off your existing lender.1

Once you sign your loan contract and the loan is funded, a lien will be added to your vehicle’s title, and the title lender will become your lienholder. However, you will be able to keep and use your car throughout the repayment process. When a lender becomes a lienholder, this means they can legally repossess the vehicle if a borrower defaults on their title loan, but this is usually done as a last resort, and many lenders prefer to avoid it. If you are struggling to repay your loan because you cannot handle your monthly payment due to unforeseen financial issues, or the loan terms have simply become unmanageable, reach out to your lender or loan servicer and discuss your options. You may want to refinance your loan!1

You can also take advantage of these benefits if you qualify for a ChoiceCash car title loan:

  • Payments May Decrease: Every month, as you make your title loan payment on time, your payments may decrease.2 That’s more money in your pocket to use for whatever you need!
  • Fast Approval: ChoiceCash title loans are known for being fast and efficient. Filling out the initial inquiry form can only take a few minutes, and once approved, you could have your money as soon as the very same or the next business day! Additionally, you can access competitive interest rates if you are eligible for a ChoiceCash car title loan.1
  • Bad Credit OK: Don’t worry about a low credit score holding you back with a car title loan. The equity in your vehicle secures the loan proceeds, so people with poor credit, no credit, and previous bankruptcy can potentially be approved for a car title loan! Title lenders will primarily focus on your ability to repay the loan and your vehicle’s value during your application.1

Ready to get started on your loan application and find out if you qualify for fast cash?  Fill out a fast inquiry form online for a free estimate! Are you still wondering, “How can I get a loan on my car?” Call 855-422-7402 today to talk to a title loan expert and learn more about the application process.1

car title loans


Want to know more about car title loans? Check out these common questions people ask about title loans. You can also review the ChoiceCash Title Loans FAQ page for additional information!

How Much Money Can I Get with a Car Title Loan?

Your approved funded amount will depend on mainly the value in your vehicle and your ability to repay the loan. You can also use the handy title loan calculator to get a better idea of your potential interest rates, payback terms, and more!1

Learn More About How Much You Can Get with a Car Title Loan

Do Car Title Loans Require a Social Security Number?

If you don’t have a social security number, you could still be approved for an auto title loan. Instead of using your social security number, you can use your ITIN, or your Individual Tax Identification Number.

Learn More About Title Loans without a Social Security Number

Where Can I Find an Auto Title Loan Near Me?

ChoiceCash Title Loans services title loans throughout the United States! Find out where you can get your money near your neighborhood or opt for the online process, so you don’t even have to leave your house!

Learn More About Title Loan Locations Near You

Do I Need the Car Registration to Get a Title Loan?

There are several documents that lenders require for car title loan approval. These documents usually are a government issued photo ID, qualifying vehicle title, proof of income, proof of residence, and a few photos of the car.

Learn More About Title Loans without Registration

Getting a Car Title Loans is Easy as 1, 2, 3!

Step 1
1. Click or Call for Approval¹
Fill out a quick inquiry form or call ChoiceCash for a free pre-approval estimate.¹
Step 2
2. Send your Info
The sooner you send in your documents, the sooner you get your money!¹
Step 3
3. Get your Cash!
Have your approved funding sent via direct deposit, wire transfer, or mailed check. Or, choose to pick up your funds at a participating money transfer location near you.