Find Online Title Loans in Detroit, Michigan

Detroit, Michigan, is a well-known major city in the United States due to its historical significance. It’s the birthplace of the automotive industry, funky Motown music, and many culturally relevant events. While struggles have certainly hit this city over the years, the people who live in Detroit, Michigan, are known for being resilient against hard financial times. 

If you’re a resident of Detroit, Michigan, and you fall into the category of people who need emergency cash, you’re not alone. Most Americans also find it challenging to pay for daily living expenses. Due to the recent inflation rise, bills cost more money, and not everyone has extra cash to keep up with them. 

However, you may have an option available! If you are living in Detroit, Michigan, you can learn about a ChoiceCash title loan serviced by LoanMart. This financing option can be quick and straightforward to inquire about, with qualified borrowers potentially passing approval the same business day as starting.1 

Needing money but not having any can cause severe financial stress in a person’s life. Learn how inquiring about a ChoiceCash title loan serviced by LoanMart could help you!1 Start on a title loan inquiry today by filling out this pre-qualification form or calling 855-422-7402 to speak with a ChoiceCash title loan agent.  

What Are the Advantages of a Car Title Loan in Detroit, Michigan?

Applying for traditional bank loans can be challenging for many reasons. Lenders can deny you a loan if you struggle with a bad credit history. That’s because with unsecured loan options, there is no collateral involved to reduce the lending risk during the approval process. Therefore, having a poor credit score can mean you’re too much of a risk.

Traditional bank loans can also be a headache to apply for, with long approval processes and demanding requirements involved. On the other hand, there are many advantages to inquiring about a ChoiceCash title loan serviced by LoanMart!1 

Below are potential benefits you may enjoy during a car title loan agreement in Detroit, Michigan!

Hassle-Free Inquiry Terms:

People from various financial backgrounds can inquire about title loan funding because your credit score isn’t the main approval factor. Your credit history is looked at, but the focus is more on how much value is in your vehicle and if you have enough income to repay the loan. 

The inquiry process for a title loan can also be flexible because people from various career backgrounds may obtain approval! You don’t need to work a traditional 9-5 job to qualify for funding potentially. Many alternative income sources may be accepted during the inquiry process!1  

Simple Pre-approval Form:

If you’re a resident of Detroit, Michigan struggling to keep up with your bills, life can feel chaotic. That’s why inquiring about a ChoiceCash title loan serviced by LoanMart can be so convenient! The pre-approval form only takes a few minutes to complete, which can be helpful during times of financial crisis.1 You can begin your title loan inquiry by filling out this pre-qualification form or calling 855-422-7402 to speak with a title loan agent. 

One of the most significant advantages of the online inquiry is that interested borrowers don’t need to drive to a physical title loan store! They can inquire about funding from their smartphones or computers, wherever they can access the internet.

Keep Driving Your Vehicle:

According to the U.S. Department of Transportation, the average American driver spends 55 minutes behind the wheel daily. Losing access to your vehicle can cause significant inconveniences when you rely on your car for getting around every day. 

With a ChoiceCash title loan serviced by LoanMart, qualified borrowers don’t need to worry about losing their cars during a title loan agreement! You can keep driving your vehicle like it is business as usual while you make monthly payments.

Several Repayment Options:

If you qualify for title loan funding in Detroit, Michigan, several repayment options are available! With a ChoiceCash title loan serviced by LoanMart, you can choose to:

  • Set up Automatic Withdrawals From Your Bank Account
  • Send a Check in the Mail
  • Visit a Participating Money Transfer Location in the Detroit Area

Setting up automatic transfers from your bank account to cover any bill is a great way to potentially avoid late payments! 

How Do Auto Title Loans Work in Detroit, Michigan?

Usually, at some point in a person’s life, they will need money but may not have it. That’s where banks and lending institutions come in– they can provide people with financial assistance over time, depending on the type of loan they opt for. Learning more about how different loans work can be beneficial!

Car title loans, for example, can be short-term or long-term financing options. They work by allowing a person to use the available equity in their vehicle in exchange for funding from a lender. If you pass approval, the lender will place a lien on the car title and remove it after repayment. 

Some traditional loan options don’t involve physical collateral!  Instead, lenders will look at a person’s credit history to determine if they’re responsible enough to borrow money. This is called an unsecured loan, while title loans are considered secured. 

Title loan lenders will nonetheless look at your credit history during the inquiry process. However, this may not be the main focus of your approval. Lenders care more about:

  1. How Much Available Equity Your Car Has
  2. If You Can Can Repay Your Title Loan

The available equity in your vehicle is significant because this can determine your overall approval chances and potential loan amount. 

Federal law also requires lenders to check that an interested borrower makes enough income before approving them for funding! While it may sound like a hassle, this safeguard protects people from potentially manipulative lenders or practices. Typically, a lender will check an applicant’s debt-to-income ratio and income to see if they can afford a loan. 

ititle loans detroit

What Are the Requirements for a Car Title Loan in Detroit, Michigan?

The requirements for a car title loan in Detroit, Michigan, aren’t difficult to meet, but it’s still crucial that you understand them before beginning the inquiry process! This option can be a much simpler solution than traditional bank loans, which are notorious for being a headache to apply for. 

With an auto title loan, you must:

  1. Be an Adult at Least 18 Years of Age or Older
  2. Have a Qualifying Vehicle Title in Your Name 
  3. Have a Qualifying Vehicle With Some Positive Equity
  4. Demonstrate the Ability to Repay the Loan

Some loan agreements in America allow minors to apply, but title loans are not one of them. You must be at least 18 years or older to inquire about financing, no matter where you live in the United States. Loans are a big responsibility to take on, so you must be an adult to navigate them! 

Next, you must have a qualifying vehicle title in your name to begin the inquiry process for a ChoiceCash title loan serviced by LoanMart.1 However, there are some circumstances where the title of your vehicle may not be in your name. 

For example, if you’re still making payments on your car, a title loan lender may ask you to sign an authorization form allowing them to take over and pay the remainder of the loan off. 

Remember that all registered Michigan car owners may be asked to complete two signed documents during the approval process for a car title loan: a Special Mailing of a Certificate of Title form and an Application for a Michigan Vehicle title.

You also must have a vehicle with some positive equity to qualify for a car title loan. Car equity simply means the vehicle’s overall value minus how much you still owe on it (if anything). Cars with higher equity may provide qualified borrowers with higher loan amounts! 

You can receive an estimation of your car’s equity by filling in some basic information through this helpful online title loan calculator tool, which is available free of obligation to ChoiceCash title loan borrowers.1

Finally, you must provide proof of income to inquire about a ChoiceCash title loan serviced by LoanMart. 

The great thing about a title loan agreement is that many alternative income sources may be accepted! You don’t need to work a traditional career to potentially qualify for funding. You can show:

  • Worker’s Compensation
  • Social Security Benefits
  • Child Support/Alimony Payments
  • Settlement Income
  • Pension Income
  • Some Self-Employment

Maybe you own an online storefront selling homemade goods or can no longer clock in due to a workplace injury and now receive worker’s compensation. There are many ways for people to make money outside of a conventional office job! 

Contact a ChoiceCash title loan representative if you’re curious about your vehicle title or income circumstances affecting your chances of obtaining approval. Go ahead and call 855-422-7402.

Three Simple Steps for Inquiring About Title Loan Funds 

If you live in Detroit, Michigan, and need money quickly, chances are you don’t have much time to wait to get your funds. One of the best things about a ChoiceCash title loan serviced by LoanMart is that the inquiry process can be quick, simple, and convenient for interested borrowers! In some cases, people may obtain approval and receive access to funding within the same business day as inquiring.1 

Below are the steps involved with a car title loan inquiry!

  1. Decide How You Want to Inquire About Funding

The first step involved with a ChoiceCash title loan serviced by LoanMart is deciding precisely how you want to inquire. Two convenient options are available to interested borrowers– they can fill out this pre-qualification form or call 855-422-7402 to speak directly with a ChoiceCash title loan representative.

The great thing about a title loan inquiry is that neither option involves finding a brick-and-mortar location! You don’t need to waste time and gas. The pre-qualification form only takes a few minutes to complete, and you can start using a smartphone or computer.1 

  1. Gather the Correct Documents

Step two involves gathering the correct documentation that you will need during the inquiry process. It’s a good idea to make sure you have these on hand before getting started to save yourself some time during a crisis! Contact the Michigan DMV to learn about applying for replacement paperwork if you’re missing some of the documents that are mentioned. 

You will need the following:

  • Valid Government or State-Issued Photo I.D.
  • Proof of Residency in Michigan
  • Proof of a Qualifying Vehicle Title in Your Name
  • Proof of a Steady or Alternative Income
  • Recent Photos of the Vehicle

As mentioned earlier, you must be at least 18 years of age or older to inquire about title loan funding. You can prove your age and identity with a valid government or state-issued photo I.D., like a driver’s license or passport.

Next, you need to find a recent piece of official mail, like a utility bill or bank statement, to prove you reside within Michigan. Title loans are not available in every state, so you will need to prove your residency in the state you are applying from. Find a ChoiceCash title loan service location near you today! 

Showing proof of a qualifying vehicle title in your name is important during a title loan inquiry because the agreement relies on an applicant using a car title to secure funding. You must also show proof of a steady or alternative income and can use the above sources! 

Finally, you must take recent vehicle photos for lenders to conduct a virtual inspection. Make sure these are clear, recent, and taken from the correct angles! 

You can conveniently send all of these documents online via email or fax.

  1. Obtain Approval and Receive Money

If you meet the requirements and can gather the correct documents, the final step for a title loan inquiry is awaiting your approval status and receiving the money. In some cases, qualified borrowers may obtain access to cash within the same business day as inquiring, which means this can be a quick process for some!1

You have several options for collecting your title loan money if approved. You can:

  • Choose a Direct Deposit to Your Bank Account
  • Receive a Check in the Mail
  • Visit a Participating Money Transfer Location in the Detroit Area

What Are the Risks Associated With a Title Loan Agreement?

Any loan agreement will come with risks that need to be considered. Knowing all the potential outcomes is vital for leading a financially responsible life! 

Car Repossession:

If you fail to pay your title loan funding back, the lender can legally repossess your vehicle. This is common with most secured loan options. For example, the bank can foreclose on your home if you don’t pay your mortgage back. 

While this may seem harsh, it’s usually the last resort that any lender wants to take. If you are struggling with your title loan payments, you should contact the lender immediately to let them know.  Don’t ignore the problem!

Make Your Loan Payments on Time:

Paying your bills back on time is an important part of life. One of the biggest contributors to a low credit score is consistently late payments! If you’re having trouble paying things back on time, you should consider setting up autopay on your loan with your bank account.

Inquire About Car Title Loans in Detroit, Michigan Today

Life is stressful enough without worrying about money. Don’t let financial anxiety overwhelm you! You may have options available even if your credit score is low or you live paycheck to paycheck. 

Inquiring about a ChoiceCash title loan serviced by LoanMart can be a quick and convenient financing option for people who need money quickly.1 The online inquiry process means you can potentially get help with your situation from the comfort of your home.

Start today by filling out this pre-approval form or calling 855-422-7402.


Serviced by LoanMart, ChoiceCash title loans have been available to Michigan residents for several months. Since its launch in Grand Rapids City Michigan, more than 130 Grand Rapids City borrowers have already trusted ChoiceCash with their financial needs. On average, Grand Rapids City borrowers have been able to get $3,394 when coming to ChoiceCash for financial assistance.1 ChoiceCash title loans have been given to Grand Rapids City Michigan borrowers whose vehicle has an average odometer reading of 140,282 miles at the time of application. If your current odometer is higher than that, you may still qualify though.1 With ChoiceCash, there is no absolute maximum mileage since the loan is primarily based on the value of your vehicle and your ability to repay the loan.


Pay back your car title loan in Detroit 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:

Addresses shown display closest MoneyGram locations. Map displays all MoneyGram locations in general vicinity.

    Locations near Detroit, Michigan

    ChoiceCash is proud to service residents all over Michigan including metro areas Grand Rapids City, Sterling Heights, and Warren City. Call 855-422-7402 to discuss your options with a loan expert, or see the city list below to see where your MoneyGram locations near Detroit:

    Featured Locations near Detroit, Michigan

    Nearby States by Michigan That offer a ChoiceCash Title Loan