? Can You Still Get Title Loans in Ohio?
Applying for car title loans in Ohio is allowed and there are specific regulations in place to ensure that Ohio-licensed title lenders are operating fairly and transparently. One of the laws in place is called the Short-Term Loan Act, which states that borrowers are entitled to review their loan contracts before signing them and should receive a copy of the terms and conditions of their loans.
Car title loans, often called auto title loans or vehicle title loans, are secured loans that let you borrow against the value of your vehicle. If you’re eligible for a ChoiceCash title loan, you can access up to half of your car’s value and get your money in as little as 24 hours!1
The application process for online title loans in Ohio can be streamlined and highly efficient, so you can focus less on applying for a loan and put your energy toward getting your finances back together! As an Ohio resident, you can apply for a title loan by completing a short form online or start your application over the phone by calling 855-422-7402 and speaking with a friendly ChoiceCash title loan agent.1
How Do Car Title Loans Work in Ohio?
Title loans in Ohio work by allowing you to borrow against the value of your vehicle. If you are fully approved for funding and sign your Ohio title loan agreement, a lien will be placed on your vehicle’s title, and you can receive your loan proceeds in as little as one business day.
Even though a title lender will add a lien to your car’s title after your loan is funded, you can maintain access to your vehicle while you make payments on your loan! When you have finished paying off your title loan, the lien is removed, and your car is fully yours to sell or use as collateral for another title loan.1
Regardless of whether you are applying from Columbus, Cleveland, or Cincinnati, title loans in Ohio can provide the financial assistance that you need to get back on your feet! Your maximum loan amount will be based on your car’s value and your ability to pay back the loan. If you are eligible for a ChoiceCash car title loan serviced by LoanMart, you can receive up to $15,000! Use ChoiceCash’s title loan calculator to get an instant title loan quote today with zero obligation.1
Auto Title Loan Requirements in Ohio
If you are ready to begin your application for an online title loan in Ohio, it is important to understand the requirements. First, you must be at least 18 years old in order to apply for a title loan in the state of Ohio. Additionally, your truck, SUV, or sedan must have sufficient positive equity, and its title must be in your name at the time of your application. You will also be required to provide proof of your ability to repay the loan during your loan request.1
Applying for a title loan can be quick and efficient through ChoiceCash title loans serviced by LoanMart. If you then receive initial approval for an Ohio title loan, you will be contacted by a loan officer and asked to submit the necessary paperwork to verify your information. Besides having an Ohio-issued vehicle title in your name, you will need the following documents when applying for ChoiceCash car title loans in Ohio:1
- Valid, Government-Issued ID: Be prepared to provide your Ohio driver’s license, permanent resident card, or U.S. passport in order to verify your age and identity.
- Proof of Ohio Residence: You must live within Ohio state lines in order to qualify for a title loan in Ohio. Some of the most commonly accepted documents to verify your current address include utility bills or credit card statements, but other qualifying documents can also be submitted.
- Proof of Income: You can provide a recent bank statement, pay stub, or another acceptable document to verify your ability to pay back the loan.1
- Recent Pictures of Your Car: You will need several pictures of the back, front, and sides of your vehicle in order to complete a virtual car inspection! Vehicle examinations are typically required during title loan applications to verify the current condition of your vehicle and its total value.
Make sure to double-check your paperwork before you submit your documents through ChoiceCash’s convenient customer portal or send everything via email or text message to a loan officer. Applying for a ChoiceCash title loan in Ohio can be a breeze! Take advantage of a convenient and streamlined application process today. Simply fill out a quick online questionnaire to find out if you are instantly prequalified for emergency funding!1
Can You Get Bad Credit Title Loans in Ohio?
Yes, it is possible to get bad credit title loans in Ohio! Traditional bank loans tend to have strict credit requirements, but title loans can provide a lot more flexibility in that respect. Although a title lender will review your financial history during your application for a title loan in Ohio, your credit score is not the focal point. The factors that will carry the most weight in terms of your eligibility for funding include:1
- The Value of Your Car
- Your Ability to Repay the Loan
While having bad credit can impact many aspects of your life, your credit score shouldn’t hold you back! Apply for title loans with bad credit in Ohio and access fast funds in as little as 24 hours if you qualify. The ChoiceCash Loan offers a competitive interest rate with a flexible repayment term!1
How Can I Apply for Title Loans without an Inspection in Ohio?
Finding a title lender who does not require a vehicle inspection in Ohio is incredibly difficult. An inspection is an important part of a title loan application because it allows the lender to determine the total value of your vehicle.
If you prefer to skip the hassle of driving to your local loan store, you can conveniently apply for a ChoiceCash title loan online and access a virtual car examination from the comfort of your home! With a virtual car inspection, all you need to do is submit recent pictures of your qualifying car or truck. The pictures should be taken recently and in good lighting to accurately depict your car’s current condition.1
Where Can I Apply for Title Loans with No Store Visit in Ohio?
Applying for car title loans in Ohio can be simple and streamlined through ChoiceCash title loans. There is no store visit required to find out if you are eligible for the fast financial help you need! Take a closer look at the simple, three-step process to apply for a loan against your car as a resident of Ohio:1
- Apply Online By Completing a Short Prequalification Form or Call the Toll-Free Number to Begin Your Application Over the Phone
- Submit Your Paperwork and Verify Your Information
- Get Your Money in as Little as One Business Day if You Qualify for an Ohio Title Loan!1
The application process for ChoiceCash car title loans in Ohio can be as stress-free and streamlined as possible! Don’t wait to find out if you qualify for the fast financial help you need to sort out your finances. If you are eligible for a ChoiceCash title loan, you can choose direct deposit or have your funds added to a debit card to access your emergency money in as little as 24 hours! Other options for receiving your title loan money include getting a check sent through the mail or picking up your cash at a participating money transfer location in Ohio.1
For the sake of convenience for Ohio customers, below is a map and list of just a few locations in the area, with many more statewide locations found here.
Ohio - Key Financial and Indebtedness Figures
The figures below are intended for informational and educational purposes to allow consumers to compare their financial situation to others in Ohio. Empowered with this data, we hope you can make a sound decision to solve your financial needs - if you decide that a title loan is a potential option, we’d be thrilled to assist you.
| Average credit score (VantageScore®) | 706 |
| Average FICO® score | 716 |
| Average student loan debt | $35,033 |
| Average credit card debt | $5,759 |
| Average monthly car loan payment | $585 |
| Share of households that rent | 33.2% |
| Average rent | $1,279 |
| Median gross rent | $945 |
| Median value of owner-occupied housing units | $199,200 |
| Median monthly owner costs - with a mortgage | $1,472 |
| Median monthly owner costs | $570 |
| Number of bank branches | 2842 |
| Median household income | $62,262 |
| Per capita income | $61,495 |
| Average ChoiceCash title loan amount | $4,224 |
What Locations in Ohio Can I Get a ChoiceCash Title Loan in?
ChoiceCash is proud to service residents all over Ohio 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 Ohio:
