THINGS TO KNOW ABOUT ChoiceCash logo ?


Yes, you can still get an online title loan as a resident of the Old Dominion State. Title loans in Virginia are offered by different types of providers, including state and licensed lenders. 

Suppose you have questions about obtaining car title loans in Virginia. In that case, you can always contact a ChoiceCash title loan agent at 855-422-7402 to learn more about applying for emergency funding! Title loan agents are available six days a week for extended hours to take your call. You can also apply for emergency cash assistance anywhere in the state through the online pre-approval form.1 Just use your tablet, smartphone, or computer to get started on your loan inquiry! 

online title loans virginia


Car title loans are an alternative loan option in Virginia that can allow an applicant to use their vehicle as collateral in order to secure funding. Essentially, an applicant can borrow a percentage of their car’s value through a title loan and use it to consolidate debt, pay for an unexpected expense, or even take a vacation. Once the loan is complete, the lender places a lien on the car title. The lien is removed once the loan is completely paid off, but the borrower can keep driving their car during the repayment process. 

Title lenders can repossess the vehicle if the borrower defaults on the loan. That’s because car title loans are secured loans! In contrast, traditional bank loans are often ‘unsecured‘, meaning there is no collateral required during the application process. Loan default can occur when a borrower stops making the required payments on their debt. Since collateral is used to secure the title loan, it is extremely important to repay the loan on time. If you are like most residents of Virginia, your vehicle is an integral part of your daily life. You’ll need to stay on top of your payments to maintain access to your vehicle during the repayment process!

Collateral can seem like a scary part of the loan agreement. But there are advantages to consider, like the fact that it can make the title loan application process much more flexible – even if you have bad credit!1

While a person’s credit history will be reviewed, it is not the focus of the loan inquiry. Instead, during your application, title lenders will primarily focus on the following criteria to determine your eligibility and loan amount:

  • The Value of Your Collateral
  • Your Income and Ability to Repay the Title Loan

Online title loans in Virginia are just a convenient way to apply for funding without leaving your home. Just visit the ChoiceCash website to fill out a prequalification form and find out if you qualify for quick funding in no time at all! If you are approved, you could choose direct deposit or add the funds to your debit card to get your money as soon as the following business day.1


A title loan can offer qualified applicants an opportunity to use their car title to obtain convenient financial support. But is it possible to apply for a title loan online in Virginia without leaving your house? The answer is yes! With ChoiceCash title loans, you can apply for the financial help you need without getting off the couch. All you will need to do is meet the initial requirements, gather the necessary paperwork, and find out if you qualify!1

When a title lender is reviewing your application, they will look to see if you meet the following requirements:1

  • Can Demonstrate the Ability to Repay the Loan
  • Posses a Vehicle With Positive Equity
  • Have a Vehicle Title in Your Name
  • Be an Adult at Least 18 Years of Age or Older

Although you are using your car’s title to secure the loan, the lender will still need to verify your ability to repay it. Therefore, you must provide proof of income when applying for this loan option! The amount of money you are qualified to borrow will be determined by your income and the market value of the car you intend to use as collateral. That is why the amount of equity in your vehicle is such an important factor during the application process for a title loan! Potential borrowers can use ChoiceCash’s online calculator tool to obtain an equity estimate with a loan quote, free of obligation!1

The car title must be in your name at the time of your application, and you must be of legal age to apply for a title loan. If the title is not in your name, you will need to pay your local DMV (Department of Motor Vehicles) a visit and request a title transfer! Additionally, in the state of Virginia, borrowers will typically be asked to complete the “Application For Transfer And Supplemental Liens” form before their loan is completed.

If you have any questions about applying for a car title loan, don’t sweat it! Just call a ChoiceCash title loan agent at 855-422-7402 to learn more!

title loans in virginia


In Virginia, the unemployment rate is about 2.8 %, just below the national average of 3.5%. This statistic indicates that some residents of Virginia live without a traditional source of income and may need extra financial assistance. You can still apply for a title loan in Virginia without a traditional job! During your title loan inquiry, you will need to provide proof of an alternative source of income, such as workers’ compensation, Social Security benefits, or retirement income

Perhaps you can’t work anymore due to an injury you sustained on the job, but you still receive a monthly check. Or, maybe you own an online storefront, and that is your primary source of income. As long as you can provide proof of an alternative source of income, you can still apply for a ChoiceCash title loan in Virginia today.1


With online title loans in the state of Virginia, you may take advantage of the following perks:1

  • Payments that May Decrease: With ChoiceCash title loans, if you consistently pay on time each month, you could get rewarded with payments that may decrease!2
  • No Prepayment Penalties: With a ChoiceCash title loan serviced by LoanMart, there are no prepayment penalties! Pay as often or as early as you are able to.
  • Convenient Online Application Process: You can begin the application process from the comfort of your home by filling out the pre-approval form with your smartphone or computer! There is no store visit required. You also may get approved for title loan funding within the same business day as applying! Applicants who need emergency funding during an unexpected financial crisis can take advantage of this online loan option.1
  • Competitive Interest Rates: It shouldn’t be difficult to find a title loan online in Virginia with competitive interest rates. With ChoiceCash title loans serviced by LoanMart, qualified borrowers could get the financial help they need with competitive interest rates!1


The approval process for a ChoiceCash title loan is quick and simple to navigate! Take a look at the three-step process to apply for quick funding:1

  1. Begin Your Application:
    You have two options to start your loan inquiry for a ChoiceCash title loan serviced by LoanMart in Virginia. You can complete the online title loan questionnaire or dial 855-422-7402 to speak directly with a title loan agent.
  2. Submit Your Documents:
    If you are prequalified for a title loan, then you will be asked to submit the necessary paperwork. With ChoiceCash title loans serviced by LoanMart, you can upload images of your documents online for quick verification. You will need to submit the following documents:1
    • Valid Government or State-Issued Photo I.D. 
    • Proof of Address
    • Proof of a Steady Income or Alternative Income
    • A Vehicle Title in Your Name
    • Recent Photos of Your Vehicle
  3. Find Out If You Qualify for a Car Title Loan:
    The final step in the application process for a ChoiceCash title loan in Virginia is to find out if you are approved! Then, you can choose between a few different ways to receive your money:1
    • Direct Deposit
    • Receive a Check in the Mail 
    • Pick Up the Funds at a Participating Money Transfer Location in Virginia
    • Have the Funds Added to Your Debit Card

Like many Americans, some residents of Virginia live paycheck to paycheck, which means they don’t have a safety net to fall back on during a financial emergency. With a ChoiceCash title loan serviced by LoanMart, people with poor credit histories may still be approved for funding!1

As long as you meet the requirements and submit the necessary documents, you can conveniently apply for title loans in Virginia online! Just fill out this pre-approval form or call 855-422-7402 to get started.1


Pay for your car title loan at any MoneyGram location in Virginia. 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:

For the sake of convenience for Virginia customers, below is a map and list of just a few locations in the area, with many more statewide locations found here.

Frequently Asked Questions

Yes! Applying for online title loans in Virginia can be quick and convenient. You can begin your application by filling out a pre-approval form online. Or, call 855-422-7402 to speak with a ChoiceCash title loan agent. There is no store visit required to apply!

To initially qualify for a title loan in Virginia, applicants must be 18 years of age or older, have a vehicle title in their name, have a car with positive equity, and be able to provide proof of income.

You don’t need a conventional job to apply for a title loan in Virginia! As long as you can provide an alternative source of income, you can begin your application for a ChoiceCash title loan online. Examples of alternative income can include disability income, pension income, and self-employment.

Title lenders will consider the year, make, model, style, mileage, year, and overall condition of your vehicle during your loan application. These factors are used to determine the value of your car. Any upgrades or modifications to the car will be taken into consideration as well!

With ChoiceCash title loans in Virginia, qualified borrowers can choose to receive their money through direct deposit, have the funds added to their debit card, receive a check in the mail, or visit a participating money transfer location to pick up the money in person.

Demographic and Financial Statistics for Virginia

The below table provides some of the key income, loan, and financial statistics for Virginia, which are intended to give you a better understanding of how your financial circumstances compare to other Virginia residents. With this information in hand, we hope you gain a better idea of your financial options so you can decide if completing a title loan application is the right decision for you:

Average credit score (VantageScore®) 700
Average FICO® score 721
Average student loan debt $39,165
Average credit card debt $6,969
Average monthly car loan payment $541 (Lease) $547 (Loan)
Share of households that rent 33.9%
Average rent $1,257
Median gross rent $1,326
Median value of owner-occupied housing units $295,500
Median monthly owner costs - with a mortgage $1,891
Median monthly owner costs $501
Number of bank branches 1,995
Median household income $80,615
Per capita income $43,267
Average ChoiceCash title loan amount $3,435

What Locations in Virginia Can I Get a ChoiceCash Title Loan in?

ChoiceCash is proud to service residents all over Virginia 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 Virginia: