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Times are tough, but that does not keep emergency expenses from piling up! If you are located in the state of Virginia and need quick cash, you are not alone. Title loans in Virginia may be the solution to your financial problems. A Virginia title loan is a secured loan that allows you to borrow against the value of your vehicle by using its title as collateral for the loan.1

If you currently have a qualifying vehicle with a title in your name, are at least 18 years of age, and have a steady source of income, keep reading to learn more about how a fast online title loan could help you work your way to financial independence.1

Understanding how title loans work in Virginia can be beneficial if you need quick financial assistance. Regardless of whether you are applying from Chesapeake, Norfolk, Hampton, or Hopewell, you must meet the following requirements to qualify for a Virginia title loan:1

  • Prove You are at Least 18 Years of Age
  • Have a Vehicle with a Qualifying Amount of Value
  • Be Able to Provide Proof of Your Ability to Repay a Virginia Title Loan
  • Have a VA Car or Truck Title in Your Name

While title loans are allowed in Virginia, it is important to familiarize yourself with the title loan laws in Virginia, which state that you must be at least 18 years old to apply for a vehicle-secured loan.

To prove you are of legal age during your application, you must submit either a Virginia driver’s license, U.S. passport, or another valid, government-issued photo ID card. In addition to having a vehicle title in your name, your vehicle must have a qualifying amount of positive equity in order for you to get approved for funding. Positive equity on a vehicle occurs when its resale value is higher than what you currently owe on your car loan. Lastly, you must be able to provide proof that you can repay a car title loan. The amount that you will be approved to borrow through a car title loan in Virginia is largely based on your income and the current value of your vehicle.1

Even though you will use your car title to secure emergency funding, you can keep driving your vehicle like it is business as usual while paying off your Virginia title loan! With ChoiceCash car title loans in Virginia, you can expect an easy and hassle-free application process. Want to learn more about getting fast and convenient access to cash through a title loan? Call 855-422-7402 today to speak directly to a title loan agent!1

online title loans virginia


If you meet the initial requirements for a car title loan in Virginia, you can start gathering the documents you’ll need to verify your information and secure a title loan! Aside from your identification card and vehicle title, you should be prepared to provide the following documents when applying for a ChoiceCash title loan:1

  • Proof of Address in Virginia: To qualify for a Virginia title loan, you must reside within Virginia state lines. A recent lease agreement, mortgage statement, or utility bill sent to your Virginia address can be used to prove your current address.
  • Proof of Income: Simply provide a recent pay stub, bank statement, or another qualifying document to prove your ability to repay a car title loan. If you do not have a traditional job, call 855-422-7402 to discuss the alternative documents you can submit to verify your income during your application.1
  • Recent Photos of Your Vehicle: You will need to provide basic information about your vehicle, such as the year, make and model, style, and current mileage listed on the odometer. To complete a virtual car inspection and verify the value of your vehicle, you’ll be asked to submit a few photographs of both the interior and exterior of the vehicle you intend to use as collateral for the loan.

Double-check all of these documents for accuracy before submitting them online or sending them to a ChoiceCash title loan agent through email or text message. Gathering these documents ahead of time is one of the most important steps that you can take to streamline your application process!1


If you need emergency cash, you are likely looking for loan options that are both quick and efficient. Applying for a title loan can be fast and simple, but it is important to note that you may not be able to find a lender who offers title loans with instant approval in Virginia. While you can be instantly pre-approved for a title loan, final approval will depend on the verification of your documents and the outcome of a vehicle inspection, which can take place online or at a store location. The good news is that your vehicle inspection can be completed virtually when you apply for a ChoiceCash title loan in Virginia!1

Time is of the essence when it comes to emergency life expenses. ChoiceCash title loan agents can easily walk you through the application process from start to finish! If you are eligible for funding, you can choose direct deposit or have your funds added to a debit card to receive your title loan money in as little as 24 hours.1

title loans in virginia


If you have been struggling financially, it is likely that your current credit score has also been on your mind. A low credit score makes it difficult to qualify for unsecured loans and access competitive interest rates.

While you likely won’t be able to find a lender who offers title loans with no credit check in Virginia, don’t be discouraged! Applying for a title loan with bad credit is still an option. If you are hesitating to apply because you are worried about your credit score, know that you may still be eligible for fast funding through an online title loan in Virginia.1

You might also be curious as to how title loans affect your credit score. Payment history makes up a significant portion of how your credit score is calculated. If your goal is to gradually increase your credit score and your title lender reports your payment behavior to the major credit bureaus, paying your title loan on time can positively contribute to the overall health of your credit score!


If you feel as though a Virginia title loan may be the right answer for you, then you’ve come to the right place. When you are researching the right title loan for your financial situation, it is important to remember that while many places may offer title loan services, your loan terms can vary from lender to lender. You must carefully consider several factors when deciding who is the right lender for you. Some important factors to consider are:

When searching online for title loan lenders, you will want to read customer reviews and ratings. You can find this information on websites like the Better Business Bureau or Trustpilot. Taking the time to read the reviews can provide you with a better understanding of what to expect from your own loan experience.

Additionally, when comparing loan options, take into consideration the interest rate and your loan terms. Make sure that you carefully read any loan terms and conditions before signing on the dotted line! When you’re ready to apply for a title loan in Virginia, consider applying for a ChoiceCash title loan serviced by LoanMart. Qualified borrowers can apply online or over the phone, access competitive interest rates, and get their money in as little as one business day! On top of that, expect zero prepayment penalties or hidden fees. Apply online by filling out a short inquiry form, or call 855-422-7402 today 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:

Frequently Asked Questions

Can I Apply for Virginia Title Loans Online?

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!

What are the Requirements for Virginia Title Loans?

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.

Can I Apply for a Title Loan in Virginia Without a Job?

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.

How Do Lenders Determine the Value of a Car During a Title Loan Application in Virginia?

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!

How Can I Receive My Funding from Virginia Title Loans?

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: