Do you live in the Saintly City and need quick funds to get back on your feet? According to the United States Census Bureau, over 51% of St. Paul residents own their homes, and the median cost of rent is $1,080. Whether you’re a renter or homeowner, if you’re facing financial hardship, you may need quick funding to get back on your feet. Applying for car title loans in St. Paul, Minnesota, can be an option to consider if you’re looking for a way to handle your financial problems! With a Minnesota title loan, you are using your vehicle title as collateral for funding, but you can continue driving your car throughout the repayment process.1

To qualify for an auto title loan in St. Paul, you must meet the lender’s application criteria and provide the necessary documents to verify your information.1

Continue reading to learn more about applying for title loans in St. Paul, Minnesota! If you qualify for a ChoiceCash title loan in Minnesota, you can access your money in as little as 24 hours. Submit a short prequalification form online or call us at 855-422-7402 to apply today!1


An online title loan in St. Paul, Minnesota, is a vehicle-secured loan, which means that you will need to have a qualifying car title in your name to get approved for funding. Since online title loans in St. Paul are secured by collateral, the application process can be a little bit more flexible. Unlike some lending options that require an applicant to have a high credit score to obtain cash, you can meet a few requirements and use a qualifying vehicle title to secure quick funding through a title loan. A perfect credit score is not required to get a ChoiceCash title loan serviced by LoanMart!1

In terms of eligibility, title loan lenders primarily focus on these two factors when you apply for a car title loan in St. Paul,  Minnesota:1

  1. The Value of Your Vehicle
  2. Your Ability to Repay an Auto Title Loan

If you qualify for a title loan and sign your loan contract, you can obtain the emergency cash you need to handle unexpected expenses, consolidate debt, or pay for an expensive car repair. Once the loan is complete, the title loan lender will place a lien on your car’s title. That lien documents the lender’s legal right to your vehicle, and if you default on the loan, the lender can legally seize it and sell it at an auction. However, most title lenders prefer to avoid vehicle repossessions and may be willing to work with you to find an alternative solution if you are proactively communicating with them. Remember, borrowers can still drive their cars during the repayment process while making their scheduled payments on time!

Are you looking for an instant online title loan in St. Paul, Minnesota? While it’s difficult to find an instant online title loan or title loans with instant approval in St. Paul, you can apply for a ChoiceCash title loan online and find out if you’re eligible for instant pre-approval today!1 Start the application process by completing the online inquiry form or calling 855-422-7402.

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As previously mentioned, you will need to meet the applicable title loan requirements in St. Paul, Minnesota, and upload some documents in order to obtain loan approval.1

To get an auto title loan in St. Paul, you must be of legal age, and you will need to have a title to a qualifying vehicle in your name, as well as proof of your ability to repay the loan.1

Take a look at the required documents you will need to have on hand during the application process. The exact items can vary from state to state, but you can expect to need the following paperwork when you apply for a title loan in St. Paul, other Minnesota metropolitan areas, such as Bloomington, Duluth, or Minneapolis:1

  • A Valid, Government-Issued Photo ID: You must submit a valid, government-issued photo I.D. card during your loan request to prove your identity to a ChoiceCash title loan officer. Minnesota borrowers can upload their driver’s license, passport, or other certified state identification cards.
  • Proof of a St. Paul Address: A variety of documents can be used to verify your current address in St. Paul. Some examples include recent utility bills, lease agreements, credit card statements, phone bills, mortgage statements, etc. Dial 855-422-7402 if you have any questions about other documents that are accepted as proof of residence for an online title loan with no phone calls in Minnesota.
  • A Vehicle Title in Your Name: Before you apply for a title loan in St. Paul, Minnesota, ensure that the title to the vehicle you intend to use as collateral for the loan is currently in your name.
  • Recent Photos of Your Car: Although getting title loans with no inspection in St. Paul isn’t possible, you can take an alternative route with ChoiceCash title loans and undergo a virtual inspection instead of a physical one! Simply use your smartphone to take clear pictures of all sides of the car, the Vehicle Identification Number (VIN), and the odometer reading. After you have the images ready, you can text them directly to a ChoiceCash title loan representative!
  • Other Documents May be Required: Additionally, Minnesota residents may need to complete and sign a Minnesota Notification of Assignment, Release, or Grant of Secured Interest form during their title loan request.
  • Proof of Income: You must provide proof of income to demonstrate that you can afford to repay the loan. One of the benefits of applying for a ChoiceCash title loan serviced by LoanMart is that you don’t need a traditional job to be eligible for funding. You could simply present proof of an alternative source of income, such as:1
    • Disability Award Letter for Social Security / Supplemental Security Income
    • Bank Statements if You Are Self-Employed
    • Workers’ Compensation
    • A Signed Letter from Your Employer

The Federal Reserve Bank of Philadelphia reported that as of June 2022, 79.6% of St. Paul residents found themselves in debt. Furthermore, 7.9% of residents are in severely delinquent debt. If you fall in that demographic and need financial assistance, you could apply for the money you need through an auto title loan in Minnesota! It can take just a few minutes to fill out an inquiry form and as little as one business day to obtain quick funding if you qualify. Call 855-422-7402 if you have questions about the requirements or documents necessary to obtain approval for car title loans in St. Paul, Minnesota.1


Auto title loans are typically much more flexible than unsecured loans because collateral is used during the application process to secure emergency funding. So, even if you have bad credit, you could still qualify for a St. Paul title loan and obtain the funds you need to handle an unexpected financial emergency!1

Although getting a Minnesota title loan with bad credit is possible, it is important to understand that many title lenders typically run credit checks during the application process. A credit check is an essential part of the approval process for St. Paul title loans because it allows the lender to review your relevant financial history thoroughly. But don’t let a credit check discourage you from applying for a title loan! As long as you have a vehicle title in your name and demonstrate your ability to repay the loan, getting a car title loan with bad credit is possible! So, why wait to see if you qualify for the financial help you need?1

Call a ChoiceCash title loan agent today at 855-422-7402 if you have questions about applying for bad credit title loans in St. Paul, Minnesota. If you qualify for funding through a ChoiceCash title loan, you can access competitive interest rates, no balloon payments, and zero hidden fees!1

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Here are some of the benefits that come with qualifying for ChoiceCash title loans with no store visit in St. Paul, Minnesota:1

  • Quick Funding: If you qualify for a ChoiceCash title loan serviced by LoanMart, you could receive fast cash as soon as the next business day! Some qualified applicants can receive their funding the same day they apply!1
  • No Bank Account Required: Minnesota has over 1,297 bank branches, but you can apply for a title loan without a bank account. Unless you want to get your money via direct deposit to a checking account, a bank account is not required to get a title loan. In order to qualify for title loans with direct deposit in St. Paul, Minnesota, an applicant will need to have an active checking account. However, there are other ways to get your loan proceeds if you apply for a ChoiceCash title loan serviced by LoanMart! Upon final approval, you can sign your loan contract and pick up your funds at any participating money transfer location in St. Paul.1
  • Exceptional Customer Service: Borrowers who apply for ChoiceCash title loans in St. Paul, Minnesota, can expect to encounter exceptional and knowledgeable title loan officers. ChoiceCash title loan agents are available six days a week for extended hours to help with any issues you may have during the application process!

With ChoiceCash title loans, it can take no time at all to initially apply and find out if you qualify for the money you need to deal with a financial emergency. Eligible applicants can choose direct deposit or have their funds added to a debit card to get their loan proceeds in as little as 24 hours! Apply online or dial 855-422-7402 to learn more about the application process for online title loans in St. Paul, Minnesota.1

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

    Locations near St. Paul, Minnesota

    ChoiceCash is proud to service residents all over Minnesota including metro areas Minneapolis, Rochester, and Duluth. 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 St. Paul:

    Featured Locations near St. Paul, Minnesota

    Nearby States by Minnesota That offer a ChoiceCash Title Loan