Title Loan Companies Compared: Who Lends Where, Online or In Store
| Companies compared | TitleMax, LoanMart, Speedy Cash, Oportun |
|---|---|
| Biggest difference | Which states each one serves |
| Keep your car? | Yes, with all of them while you pay as agreed |
| Online options | Varies by company and state |
| Cost | Set by state law; shown before you sign |
| Facts checked | Official sites, October 25, 2026 |
How to compare title lending companies
Every title loan works on the same basic idea: you borrow against a vehicle you own, the lender holds a lien on the title, and you keep driving. What separates title lending companies is practical: whether they're licensed in your state, whether you can finish online or must visit a store, how they value your vehicle, and what payment structure your state allows. Price is mostly set by state law, so the same company can charge different amounts in different states.
Zebra Finance isn't affiliated with any company below, and this page contains no paid placements or ratings. Facts come from each company's official site, checked October 25, 2026. Always confirm terms with the lender.
Title loan companies at a glance
| Company | States listed on official site | Online or store | Products | Notes |
|---|---|---|---|---|
| TitleMax | 13: AL, AZ, DE, GA, KS, MS, MO, NV, SC, TN, TX, UT, WI | Stores, plus online title applications using its Fast Track Appraiser app | Title loans, title pawns (select states), personal loans, motorcycle title loans | Says active-duty military members and their dependents aren't eligible |
| LoanMart (Wheels Financial Group, LLC) | 29 states listed, including CA, FL, GA, MI, OH, TX and VA | Phone or online | Car title loans, auto equity loans, title pawns, title loan refinancing | Says documents submitted by 2 p.m. PT can mean same-day cash |
| Speedy Cash | AZ, KS, LA, MS, MO, NV, OR, TX | In store; online title applications only in Arizona | Car, truck and motorcycle title loans | Lists amount ranges by state, from $100–$300 in Oregon to up to $25,000 in several states |
| Oportun | Secured loans in AZ, CA, FL, IL, NV, NJ, TX, UT | Online and in person | Car-secured personal installment loans | Secured loans from $2,525 to $18,500; a car-secured personal loan, not a single-payment title loan |
State lists and amounts change. If your state isn't listed for a company, it doesn't lend there today. Check rules where you live on title loan laws by state.
Best online title loans: what "online" really means
"Online title loans" rarely means zero contact with the vehicle. Lenders still need to see the car and verify the title. Usually that happens through photos, a video walkaround or an in-app appraisal, and sometimes a quick inspection at a partner location. TitleMax, for example, says online title applications require its appraisal app with video, audio and location sharing turned on.
The benefit is speed: you can start from your phone, upload documents and often get funds by direct deposit. See online title loans for how the process typically works.
See if you qualify — it takes about 3 minutes. Start your free request. There is no obligation to accept an offer.
Title loan companies near me
If you'd rather talk to someone face to face, storefront title lenders are concentrated in states that allow title lending. A store can appraise your car on the spot and may hand you funds the same day. Online lenders cover more ground but depend on bank transfer timing. Find storefront options in title loans near me, or see title pawn near me in states that use title pawns.
What all title lending companies ask for
- A vehicle titled in your name, usually lien-free; some lenders work with financed cars.
- A government-issued ID.
- Proof of income. TitleMax and Speedy Cash both list it.
- Proof of insurance at some lenders, such as Speedy Cash.
- The vehicle itself for appraisal, in person or by photo or video.
- Minimum vehicle value. Lenders set their own minimums.
The full list is in title loan requirements.
How costs compare between companies
Title loan pricing is mostly controlled by state law, not by brand. Some states cap fees per month, some cap installment title loan rates, and some don't allow title loans at all. That means two companies in the same state usually charge within the same legal limits, while one company can charge very differently across states. Every lender must show the finance charge, APR, payment schedule and total to repay before you sign. Compare those disclosures, not ads.
State-by-state rules are summarized in title loan interest rates, and you can estimate payments with the title loan calculator.
Signs of a trustworthy title lender
- It's licensed where you live. Reputable companies list the states they serve and their license details on their site.
- No upfront fees. Legitimate lenders don't ask you to pay before you get the loan. The FTC warns that advance-fee demands are a hallmark of loan scams.
- Written terms before you sign. You should see the amount, finance charge, APR, due dates and total to repay in writing.
- A clear payoff process. Ask how to get a payoff amount, whether early payoff is allowed and how the lien is released.
- No pressure. You should be free to take the contract home, ask questions or walk away.
More tips: how to get a title loan.
Compare more than one company with one form
Applying company by company means repeating the same form and waiting on each. Our free form takes about 3 minutes and reaches lenders in our network that serve your state. Depending on where you live, you may be matched with title loan lenders or with personal installment lenders that don't use your car at all, which helps in states where title loans aren't allowed. Many lenders decide within minutes, and approved funds can arrive as soon as the next business day.
Zebra Finance is a free matching service, not a lender. Offers come from lenders with their own terms, shown before you accept. There's no obligation.
See if you qualify — it takes about 3 minutes. Start your free request. There is no obligation to accept an offer.
Frequently asked questions
What is the best title loan company?
There isn't one best company for everyone. The right one is licensed in your state, values your vehicle fairly, offers a payment structure you can manage, and lets you pay early without a penalty. Compare the full disclosure from each offer, including the total to repay, before you choose.
Which title loan companies let you apply online?
LoanMart says you can apply by phone or online. TitleMax offers online title applications through its appraisal app. Speedy Cash says online title applications are available only in Arizona. Our free form also starts online and can match you with lenders that serve your state.
Do all title loan companies let you keep your car?
Yes. With a title loan, the lender holds a lien on your title, not the car itself, so you keep driving while you repay as agreed. If you default, the lender can repossess under your state's rules. A true car pawn, where the lender stores the car, is a different product.
Are title loan companies available in every state?
No. Title lending is set by each state. Some allow it, some limit it to installment loans or title pawns, and some prohibit it. Each company lists only the states where it's licensed. Check your state on our title loan laws page, or apply for a personal loan if title loans aren't offered.
Is Zebra Finance a title loan company?
No. We're a free loan-matching service. We don't lend money or make credit decisions. Our form connects you with lenders in our network that serve your state, and any offer comes from the lender with its own terms, which you can review before deciding. Using the form is free and there's no obligation.
Sources
- TitleMax — official site
- LoanMart — official site
- Speedy Cash — Title loans (official)
- Oportun — Personal loans (official)
- FTC — What To Know About Payday and Car Title Loans