Best Place to Get a Title Loan

By using your car or truck title as collateral for the loan, you can unlock a percentage of your car’s value through a title loan. But how do you find the best title loans in 2025? With so many title loan lenders and companies operating online and in person, it can be tricky to find the most advantageous option that meets your needs.

The best car title loans offer many benefits, including transparency, fast access to cash, and more flexibility in terms of credit requirements. The title of your car or truck will be used to guarantee the loan, and a lender will add a lien to the car’s title after the loan is funded. Different makes and models of vehicles can be accepted as collateral for title loans as long as they have sufficient positive equity.¹ One of the biggest perks of getting a loan against your car is that you can continue driving your vehicle during the repayment process by making your loan payments on time!

Finding the right loan online can be as simple as comparing your options and understanding what to look for in a title loan lender. Before you sign on the dotted line and receive your funds, exploring the available providers in your state and understanding the risks of title loans is imperative in order to make an informed decision.

What Factors Should I Consider When Choosing the Best Title Loan in 2025?

Whether you decide to apply for a loan online or in person, locating the best auto title loan available to you is dependent on understanding the key factors that impact the application and the repayment process. When researching title loan lenders and loan companies online, consider the following characteristics:

Maximum Title Loan Amounts

Title loan lenders may have different maximum loan-to-value (LTV) ratios, meaning that the maximum amount you can receive through a title loan on a particular vehicle can change depending on the lender you decide to work with.¹ However, the LTV ratio is not the only element that impacts the total amount you can receive through a title loan. Lenders may use specific tools to gauge the borrower’s ability to handle their car title loan payments, including an in-depth review of their monthly income and the calculation of their loan payment-to-income (PTI) ratio.

Whether or Not a Store Visit Is Required

Depending on your location, it may be possible to apply for a title loan in person. Applying for a loan in person is typically less efficient than applying for a loan online as you first need to drive to a store. You may want to stick with online lenders that do not require you to leave your home to submit your application or complete a vehicle inspection if you value your time.

One of the many perks of applying for a ChoiceCash car title loan is that the document submission options are convenient, allowing you to provide the necessary paperwork and vehicle photos from the comfort of your home! Your car’s value can be appraised online, which saves you a trip to a storefront location to get your car inspected in person.

Online Reputation Through Customer Reviews

Finding out the reputation of a lender or a loan servicer can be as easy as visiting websites like Trustpilot or the Better Business Bureau and reading through online reviews. Reviewers will highlight the positives and potential negatives about working with a particular lender or loan servicer, making it easier to find the best title loan company! Pay close attention to what consumers have to say about the lender’s loan agents, the loan terms and conditions, and other applicable factors that will impact your loan experience.

Loan Approval Timeline and Customer Service Reputation

When you’re facing a difficult financial situation, you can’t waste any time. Finding the best title loan company with fast approval times and exceptional customer service can help you manage a financial emergency as soon as possible. Applying for a title loan online is often faster and more efficient than applying for a loan in person. When applying for a title loan online, you aren’t spending any extra time driving to a store to complete your application.

When researching the reputation of a particular title loan company or lender, make sure to check the reviews and see what borrowers are saying about the funding timelines, interactions with the customer service agents, and the speed of the application process.

When you’re applying for a ChoiceCash title loan serviced by LoanMart, you can expect to encounter loan officers who can easily walk you through your application and answer any questions you may have about getting a loan against your car, including the requirements or the repayment process.

Flexibility of the Available Repayment Options

The best car title loans offer flexibility throughout the application and repayment process! Title loan lenders can offer different options to make payments on your loan, and being able to choose from several methods allows you to find an option that fits your needs and preferences.

Through ChoiceCash title loans, you’ll be able to make payments through a convenient online portal, set up automatic payments from a bank account, or simply submit a payment in person at a participating money transfer location.

Do Interest Rates for Car Title Loans Vary by Lender?

The terms and conditions of a title loan will vary depending on the lender you decide to work with and the length of your loan term. Having a longer loan term often leads to lower monthly payments, with the caveat of potentially paying more in interest charges during the repayment period. Before you sign a loan agreement, compare your loan options online and review the loan terms, including the loan’s interest rate, the Annual Percentage Rate (APR), and the length of the repayment period. Finding a lender that offers the most advantageous loan terms available to you can potentially help make the repayment process a lot smoother!

If you are eligible for a ChoiceCash title loan serviced by LoanMart, you’ll receive competitive interest rates, extended loan terms, and convenient payment methods. Depending on your car’s value and your income, you can access up to $15,000 through a car-secured loan!¹

How to Find the Best Car Title Loan Company

The best title loan company will not only help you use your car as collateral for the loan, but it will also provide exceptional customer service and transparency from the very beginning of your application. There should be no hidden fees during the application or repayment process for the best online title loans!

Make sure to check out consumer reviews online that can help you gauge what your experience will be like with a particular lender or loan servicer. It’s unlikely that you will find a business without at least one negative review, but it is important to find a title loan lender with primarily positive customer reviews online.

Benefits and Risks of Title Loans

Similar to personal loans and signature loans, title loans have benefits and potential disadvantages to consider before you begin your application. Becoming more informed about all aspects of the borrowing process is a smart move to get your finances back on track!

Benefits of Car Title Loans in 2025

• Bad Credit and Past Bankruptcy Are Not an Issue: With traditional bank loans, having a bad credit score or declaring bankruptcy in the past is often a hindrance during the application process. One of the main advantages of car title loans in 2025 is that you don’t need a perfect credit score to qualify for the funds you need.¹ Additionally, as long as you are not in active bankruptcy, obtaining approval for a title loan is possible even if you declared bankruptcy in the past.¹
• Maintain Access to the Collateral: By paying your loan on time each month, you can continue driving your vehicle throughout the repayment period! You can unlock cash with your car’s title without losing access to your primary source of transportation.

Risks of Car Title Loans

• Potential Vehicle Repossession: Staying on top of your title loan payments is integral to maintaining access to your vehicle. If you default on your title loan, the vehicle can be repossessed, which is not ideal if you need your car to get to work every day.
• Potential Damage to Your Credit Score: If your title lender or loan servicer reports any negative payment behavior to a major credit bureau, like TransUnion, your credit score can be adversely affected. It’s important to keep up with your loan payments and reach out to the applicable party if you anticipate struggling with a monthly title loan payment.

Frequently Asked Questions About the Best Auto Title Loans

If you need to know more about applying for the best auto title loans online, check out some of the most frequently asked questions about car title loans in 2025:

What is Better Than a Title Loan?

Car title loans can be a convenient way to access fast cash, but there are other options to consider if you need to get back on your feet. In addition to asking friends or family for help, you can work a second job or sell items online to make ends meet during a tough financial situation.

What is the Best Title Loan Company to Use in 2025?

The best title loan company to work with will offer many benefits in addition to fast cash! You should look for a title loan lender that provides competitive interest rates, along with a flexible application process and complete transparency about the terms and conditions of your loan.

Are Online Title Loans Legit?

You can submit an application for an auto title loan online, and it is just as legitimate as applying for a loan in person. Begin your loan request by submitting a short pre-approval form online at your convenience, 24/7! If you start your application online, you can instantly discover if you are prequalified for a ChoiceCash title loan serviced by LoanMart.¹