Title Loans in Columbus, Ohio

How Do Title Loans Work in Columbus?

Title loans in Columbus can be a convenient way to borrow fast cash! By using the title to your paid-off car as collateral for the loan, you can get up to half of your car’s value and keep driving your car during the repayment process!¹

The requirements for an Ohio title loan are that you must be of legal age to submit an application and have a title to a qualifying car in your name. You’ll be asked to provide proof of income and a few other documents during your application for a Columbus title loan in order to verify your income.

If you meet the initial criteria for a ChoiceCash car title loan, you can access emergency cash in as little as one business day! Apply for the financial help you need by completing a short prequalification form online or call 855-422-7402 to speak with a ChoiceCash loan officer and learn more about applying for car title loans in Columbus.

Advantages of Title Loans in Columbus

Car title loans in Columbus can help you access fast funding when you’re in a bind. On top of emergency cash, you can expect the following benefits if you are eligible for a ChoiceCash title loan serviced by LoanMart:¹

1. Bad Credit Is OK

It is typically difficult to qualify for a traditional bank loan in Columbus if you do not have a strong credit score. Title loans are a lot more flexible than unsecured financing options! You don’t need a good credit score to be eligible for a Columbus title loan.

2. Freedom With Your Money and Your Car

If you qualify for a car title loan in Columbus, you’ll have the freedom to spend your funds on any type of personal expense and keep driving your car while you pay off the loan! Common ways to spend your loan proceeds include paying off medical bills or covering overdue rent payments.

3. Simple Documents Required for Car Title Loans in Columbus

Another advantage of title loans in Columbus is that the documentation you will need can be easily found laying around your home. Typically, you will need a car or truck title in your name, recent pictures of your vehicle’s interior and exterior, proof of income and residence, and a valid, government-issued photo ID.

Other benefits of qualifying for a ChoiceCash title loan include competitive interest rates and flexible loan terms! If you’re ready to apply for car title loans in Columbus, don’t hesitate to call a loan officer or complete a pre-approval form online now.¹

How Much Can I Get Through Columbus Title Loans?

It is possible to get up to $15,000 through a ChoiceCash title loan as a qualified resident of Columbus. If your car or truck has a significant amount of positive equity, you can receive a larger title loan amount as long as you can prove that you’re able to pay it back. That’s why you are asked to submit proof of income during your loan request! Your loan amount and eligibility for a car title loan are mainly determined by your income and the value of your vehicle.¹

Use ChoiceCash’s online title loan calculator to get a vehicle equity estimate and a title loan quote with no obligation today. Simply answer a few questions about your vehicle (such as the car’s make, model, style, and mileage) and your state of residence to get an instant title loan quote!

Choosing the Best Car Title Loan Provider in Columbus

Before you apply for a Columbus title loan, take a minute to do some research on your local title loan providers. While you can apply in person for an Ohio title loan, you may not want to! Applying for an online loan can be much more convenient than applying for a loan in person, but it will be very time-consuming to look through all the possible options online. However, it can be easy to find the best title loan provider near you – just look through customer reviews on Trustpilot, the Better Business Bureau, or another reputable review site!

Then, you should try to find a lender with mostly good reviews that also offers advantageous loan terms, like competitive interest rates, more time to pay back the loan, etc. When you apply for your loan, pay attention to how the loan officers treat you, and be sure that you’re offered top-notch service. The customer service team of the lender can significantly impact your overall title loan experience. Make sure that you get a good feeling from the underwriters and loan agents you deal with!

Understanding the Title Loan Regulations in Columbus

Specific laws exist to protect borrowers and regulate Ohio-licensed lenders. Statewide regulations can impact interest rates, fees, and permissible charges for short-term loans.

Whether you’re applying for a car title loan in Columbus or another nearby town in Ohio like Toledo or Cleveland, as a title loan borrower, you have the right to receive and review your loan terms and disclosures.¹ Your loan contract will outline the terms and conditions of your loan. As mentioned above, that includes items like your loan’s interest rate and the number of months you have to complete your payments.

Can I Do an Online Vehicle Inspection for a Title Loan in Columbus?

Yes, you can skip a traditional car inspection when applying for a ChoiceCash title loan online in Columbus, Ohio. If you are initially approved for a title loan, a loan officer will ask you to provide several documents to verify your information.¹

You will need a few photos of your car’s interior and exterior to complete your application! These pictures will be used to verify your car’s value and should include your car’s odometer reading and VIN.

How to Apply for Car Title Loans in Columbus, Ohio

Applying for car title loans online in Columbus can be as streamlined as possible. Generally, applying for a loan online can be a lot faster than applying for a loan in person! If a Columbus car title loan sounds like the right fit for your finances, follow these three simple steps:¹

1. Submit a Prequalification Form Online or Call 855-422-7402 to Apply Over the Phone with a Loan Officer
2. If Prequalified, Upload Your Paperwork Online or Send Your Documents to a Title Loan Agent Through Email or Text Message
3. Fully Approved Borrowers in Columbus Can Get Their Money in as Little as 24 Hours!¹

If you have any questions about your loan agreement after receiving full approval, make sure to ask your loan officer! You can go over the terms and conditions of your loan with your title loan agent before you sign your agreement. The ChoiceCash title loan application process can be simple and convenient, allowing you to focus on getting your finances back together after you receive your funding.¹

How Fast Can I Get a Car Title Loan in Columbus, Ohio?

If you are eligible for a ChoiceCash title loan in Columbus, you can choose to receive your funds via direct deposit or have your money added to a debit card to get your funding in as little as one business day! In some cases, eligible residents can access their money the same day they are approved.¹

Ready to apply? Call the toll-free number or submit a questionnaire online now to see if you are pre-approved for the financial help you need through car title loans in Columbus!