Emergency Title Loan FAQ
Everything you need to know before applying for a title loan.
Up to $25,000 based on your vehicle's value. The exact amount depends on your vehicle's year, make, model, and mileage. Older or high-mileage vehicles may qualify for lower amounts.
Yes. Title loans are secured by your vehicle, so your credit score is not the primary factor. Many borrowers with bad credit, no credit, or past bankruptcies have qualified.
Absolutely. You keep and drive your vehicle throughout the loan. The lender places a lien on the title document only — your car stays with you.
After your application is reviewed and your vehicle assessed, many lenders fund the same day or next business day. Speed varies by lender and location.
Typically: a clean vehicle title in your name, a government-issued photo ID, proof of residence, and proof of income (requirements vary by lender and state).
Many title loan lenders do not perform a hard credit pull. Your specialist will clarify the exact process when they contact you.
You may still qualify. Some lenders work with vehicles that have a small remaining auto loan balance. Your specialist will review your specific situation.
Prepayment policies vary by lender. Always ask your specialist about prepayment penalties before signing any agreement.
Top Cash Title Loan connects borrowers with licensed lenders in Texas, Florida, Ohio, Indiana, and Tennessee.
No. We are a lead generation and loan connection service. We connect you with licensed third-party lenders in your state. We are not a lender and do not set loan terms.