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Times are tough! If you are looking for quick funding, title loans in Michigan can help you unlock emergency cash with your car’s title. Since your vehicle title is used as collateral to secure the loan, your eligibility for a title loan is less dependent on your credit score. A flexible application process can be ideal for residents of Michigan with bad credit!1

Keep in mind that you will not automatically lose access to your car or truck after you sign your loan agreement. As long as you prioritize your title loan payments and stay on top of them, you can continue to drive your vehicle around Michigan.1

If you need fast cash to get back on your feet, keep reading to learn more about applying for ChoiceCash car title loans in Michigan! Access competitive interest rates, no prepayment penalties, and quick funding in as little as 24 hours if you qualify.1


Regardless of whether you are submitting your application from Detroit, Grand Rapids, or Warren, as a resident of the Wolverine State, you will usually need to meet the following criteria to obtain title loan approval:1

  1. Be of Legal Age: The title loan laws in Michigan state that applicants must be at least 18 years old to apply for a vehicle-secured loan.1
  2. Have a Qualifying Car and MI Car Title: In addition to having a vehicle with a sufficient amount of positive equity, you must have a car title in your name at the time of your application. If you misplaced your title, visit your local Secretary of State office and request a duplicate vehicle title to replace the original one you lost.1
  3. Proof of Sufficient Income: The total amount that a Michigan borrower can receive through a title loan is primarily determined by their vehicle’s value and their income. Recent bank statements, pay stubs, or other qualifying documents can be used to prove your ability to manage your title loan payments. It is possible for you to apply for a title loan with a brand new job!

On top of meeting these requirements, a few documents are required to validate your application. Besides providing proof of income and a qualifying vehicle title, you will typically need to submit the following documents for loan underwriting purposes:1

  • Proof of Valid Identification: You must present a Michigan driver’s license, U.S. passport, or another valid, government-issued photo ID card to prove your identity and age during your application.1
  • Basic Car Information and Photographs: When completing your Michigan title loan application, you will need to provide basic information about your vehicle, such as its year, make, model, style, and current mileage. To complete a virtual vehicle inspection, you will be asked to submit recent and clear photographs of the interior and exterior of your vehicle.1
  • Proof of Current Address: You can use several different documents to prove your current residence, including recent utility bills, credit card offers, or mortgage statements. If you are currently renting your home or apartment in Michigan, you can submit your most recent lease agreement when you apply for a title loan.1
  • Other Documents May be Required: All registered vehicle owners in Michigan may be asked to provide extra documents during their title loan applications. The first document is called a “Special Mailing of Certificate of Title” form, which needs to be signed. The second document is called an “Application for Michigan Vehicle Title,” which needs to be initiated and signed. A title loan agent will typically review both documents before the loan can be completed.1

Applying for ChoiceCash title loans is convenient and straightforward, so borrowers can easily upload all of their documents online! Additionally, the required paperwork can be sent to a title loan officer through email or text message. Skip the hassle of a store visit and apply for an online title loan in Michigan today!1

Tips for a Smooth Application Process

It is essential to review all of your documents for accuracy and completeness before submitting your application. If you have any questions, ask a ChoiceCash title loan agent for help. They will be able to guide you through the process and provide you with top-tier service during your loan application.1

title loans michigan


You may have difficulty getting a personal loan, financing a car, or qualifying for housing without a strong credit score. The three-digit number used to indicate your creditworthiness will have a significant impact on your life, so it is essential to improve your credit score if you have subprime credit. But that can take time, and if you are in a tough financial situation, then you have no time to waste.

If you are struggling with bad credit, your hesitation to apply for a loan is understandable, but you should not let your credit score hold you back! While you cannot get title loans with no credit check in Michigan, as previously mentioned, the application process for Michigan title loans can be flexible and convenient. Having a poor credit score is not an issue because your credit history is reviewed, but it is not the focus of your application.

Whether you are looking for a loan because you’ve been laid off and need money or you simply need emergency cash assistance to handle an unexpected bill, a title loan can be an effective solution. Fill out a prequalification form online or call to speak to a ChoiceCash loan agent and get started today! Don’t let your bad credit prevent you from applying for the emergency cash you need to take care of unexpected expenses.1


Among the many benefits of a ChoiceCash title loan in Michigan are the flexible repayment options available. Understanding your available options and choosing the one that best suits your needs is an important part of paying back your title loan!

With ChoiceCash title loans serviced by LoanMart, some of the convenient ways that borrowers can repay their loans include the following:1

  • Pay by Phone
  • Set Up Automatic Payments from a Checking Account
  • Pay Through the Convenient Online Portal
  • Pay in Person at Any Participating Money Transfer Location in Michigan
  • Send Checks via Mail to a Payment Center

Keeping up with your title loan payments is important regardless of the method you choose to repay your title loan. If you default on your Michigan title loan, your lender will have the legal right to repossess your vehicle. This is not an ideal scenario, so if you anticipate that you will be unable to make a payment, it is important that you contact your lender or loan servicer as soon as possible to discuss your options.1

online title loans michigan


When it comes to securing a title loan in Michigan, researching and selecting the right company to work with is essential. The importance of working with a reputable and trustworthy lender cannot be overstated!1

When researching potential lenders, it is a smart idea to look for the following elements:

  • Positive Reviews From Customers
  • Optimal Loan Terms, Including Interest Rates1
  • Exceptional Customer Service

Websites like Trustpilot allow you to read through customer ratings and reviews of different title loan providers so you can gauge the experiences of other borrowers. If you have considerable difficulty finding online reviews for a title loan provider, or if they’re all negative, this is a huge red flag! Try to find title loan companies with more positive reviews than negative ones.

It’s wise to compare the loan terms and conditions offered by each provider to ensure that you will find the most advantageous loan option for your current financial situation. By choosing to work with a provider with competitive rates and convenient loan terms, you can work towards taking control of your financial situation.1

Receiving excellent customer service makes the loan application process much more enjoyable and efficient! When communicating with a loan officer, make sure they are providing the highest level of customer service and thoroughly answering your questions.1

With ChoiceCash car title loans in Michigan, you can expect a high-quality loan experience from start to finish. From a quick and convenient application process to competitive interest rates, a ChoiceCash title loan can be a resourceful solution when you need fast cash to handle a difficult financial situation. Call 855-422-7402 today or fill out a short questionnaire online to get started! Title loan agents are available for extended hours, 6 days a week, to take your call and guide you through the application process.1

How Can I Pay for My Car Title Loan in Person?

Pay for your car title loan at any MoneyGram location in Michigan. MoneyGram is often located in convenient public stores such as Wal-Mart, Kroger, or CVS. Call 855-422-7402 to discuss your options with a loan expert, or see the map and location list below to see where your nearest MoneyGram is located:

For the sake of convenience for Michigan customers, below is a map and list of just a few locations in the area, with many more statewide locations found here.

Frequently Asked Questions

What are the Title Loan Regulations in Michigan?

In Michigan, specific title loan regulations are in place to prevent predatory lending practices. Under Michigan law, borrowers must be fully informed about the interest rates, fees, and repayment terms before entering into a title loan agreement.

What are the Requirements for Title Loans in Michigan?

The initial requirements for title loans in Michigan can be straightforward. You must be an adult at least 18 years of age, have a title to a qualifying car in your name, and be able to demonstrate the ability to repay your title loan.

Will a Title Loan in Michigan Hurt My Credit?

If you default on your title loan in Michigan, that can hurt your credit score. Fortunately, with ChoiceCash title loans, you have many different ways to repay your loan! You can set up automatic payments, pay by phone, or visit a participating money transfer location in your area to pay in person.

How Much Money Can I Get from Title Loans in Michigan?

The amount of money you may get from title loans in Michigan will primarily depend on the value of your car and your income! You can use ChoiceCash’s calculator tool to receive an equity estimate and a loan quote, free of obligation.1

How Fast Can I Get Approved for a Title Loan in Michigan?

With ChoiceCash title loans in Michigan, if you meet the initial requirements and submit the correct documents for verification, the approval process can be quick and simple. Qualified borrowers could receive their funds in as little as 24 hours!1

Demographic and Financial Statistics for Michigan

The below table provides some of the key income, loan, and financial statistics for Michigan, which are intended to give you a better understanding of how your financial circumstances compare to other Michigan residents. With this information in hand, we hope you gain a better idea of your financial options so you can decide if completing a title loan application is the right decision for you:

Average credit score (VantageScore®) 705
Average FICO® score 719
Average student loan debt $36,116
Average credit card debt $5,399
Average monthly car loan payment $447 (Lease) $480 (Loan)
Share of households that rent 28.4%
Average rent $892
Median gross rent $946
Median value of owner-occupied housing units $172,100
Median monthly owner costs - with a mortgage $1,374
Median monthly owner costs $520
Number of bank branches 2,165
Median household income $63,202
Per capita income $34,768
Average ChoiceCash title loan amount $3,646

What Locations in Michigan Can I Get a ChoiceCash Title Loan in?

ChoiceCash is proud to service residents all over Michigan including metro areas . Call 855-422-7402 to discuss your options with a loan expert. If you are looking to pay back your title loan in person, check out the city list below to see where your MoneyGram locations near Title Loans Michigan: