Car title loans in Knoxville, TN
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Knoxville, TN.
The median household in Knoxville earns $54,039 a year, 22% below the Tennessee median of $69,595. About 20% of residents live below the federal poverty line, and 53.4% of households rent their home. 9.1% of Knoxville households have no vehicle — a title loan is only an option if you own a car outright or nearly so.
Tennessee law that applies in Knoxville
| Maximum loan | No more than $2,500, counting other outstanding title pledge loans with the same lender on the same title. |
|---|---|
| Rate cap | Interest of up to 2% per month, plus fees of no more than one-fifth (20%) of the original principal per 30-day period. |
| Maximum term | Each agreement is for no more than 30 days, but may renew (even automatically) for more 30-day periods. |
| Repossession rules | On default, the lender may repossess the vehicle without court process if it can do so without a breach of the peace. |
Full rules with statute citations: Title Loans in Tennessee. Cities in Tennessee cannot set their own payday or title loan rate caps in most cases; zoning rules for storefronts are local.
What you need for a title loan in Knoxville
Most Knoxville applicants can finish in one sitting if they have these ready:
- A car, truck or motorcycle you own outright or nearly paid off
- The vehicle title in your name (lien-free or close to it)
- A government-issued photo ID that matches the title
- Proof of income (some lenders ask; many accept benefits)
- Photos of the vehicle or a quick inspection
Popular loan amounts in Knoxville
What Knoxville borrowers use it for
cover a short gap before payday
Holiday expensesgifts and travel without maxing a card
Moving costsdeposits, trucks and first-week expenses
Emergencieshandle the unexpected the same week
Loans for your situation
How to get a title loan in Knoxville
- Fill out the short form with your car's year, make and mileage.
- Matched lenders contact you to value the car (some use photos).
- Review the amount, monthly rate, APR and repossession terms before you sign.
- Keep driving while you repay; the lien is removed when you pay in full.
Estimate your cost
Title loan calculator
Many title lenders lend 25%–50% of a vehicle's value, and you keep driving your car. Estimate only; your lender shows exact terms.
Banks and credit unions in the area
Credit unions in Knoxville
61 credit-union locations from 18 credit unions.
| Credit union | Location |
|---|---|
| Ornl | 808 Victor Dr, Knoxville 37912 |
| Y-12 | 6640 Clinton Hwy, Knoxville 37912 |
| U. T. | 2100 White Ave, Knoxville 37916 |
| Tennessee Members 1St | 112 Market Place Blvd, Knoxville 37922 |
| Knoxville Tva Employees | 1316 Wilson Rd, Knoxville 37912 |
| Southeast Financial | 7216 Wellington Dr Ste 4, Knoxville 37919 |
| Enrichment | 5201 Schubert Rd, Knoxville 37912 |
| Consumer | 307 Lovell Rd, Knoxville 37934 |
| City Employees | 1720 Western Ave, Knoxville 37921 |
| New South Credit Union | 3261 N Mall Rd, Knoxville 37924 |
Source: NCUA credit union branch data, June 30, 2026.
Nearby cities
County: Knox County · Payday Loans in Knoxville · Personal Loans in Knoxville
Frequently asked questions
Can I get a title loan in Knoxville, TN?
Title loans (title pledge loans) are legal in Tennessee from lenders licensed by TDFI under the Title Pledge Act, Tenn. You can start online; the lender will need to see the car and a lien-free (or nearly paid-off) title in your name.
How much can I get for my car title in Knoxville?
No more than $2,500, counting other outstanding title pledge loans with the same lender on the same title. Most lenders lend a percentage of the car's wholesale value.
What happens if I miss a title loan payment in Knoxville?
On default, the lender may repossess the vehicle without court process if it can do so without a breach of the peace. It must hold the vehicle for 20 days so you can redeem it, then has 60 days to sell it in a commercially reasonable manner. The lender's recourse is limited to the vehicle and title.
What is a title loan in Knoxville?
A title loan is a loan secured by your vehicle's title. The lender holds a lien on your car while you keep driving it, and the lien is released once the loan is repaid. Because the car secures the loan, approval depends largely on your vehicle's value, not just your credit. Knoxville drivers can start a title loan request online in about 3 minutes.
How do title loans work in Knoxville, TN?
You share details about your vehicle and income, the lender estimates the car's value, and if you're approved you receive an offer based on a portion of that value. You sign the agreement, the lender records a lien on your title, and you get your funds, often quickly. You keep driving while you repay. Start your request online and see your options in about 3 minutes.
What do I need for a title loan in Knoxville?
Most lenders ask for a vehicle title in your name, ideally free of other liens, a valid government-issued ID, proof of income, proof of residence in Tennessee, and the vehicle itself for photos or a quick inspection. Some lenders also ask for proof of insurance or a spare key. Requirements vary by lender. Start our 3-minute form to see what lenders need from you.
Can I get a title loan on a financed car in Knoxville?
Sometimes. If you still owe money on your car, some lenders may approve a title loan based on your equity, meaning the car's value minus what you owe. Others require a title that's fully paid off and in your name. Because policies vary, enter your vehicle and current loan details on our form, and lenders serving Tennessee will tell you what they can offer.
Can I get a title loan without the title?
You generally need the title, because it's what secures the loan. If your title is lost, you can request a duplicate from the Tennessee motor vehicle agency, and some lenders can help with that step. If the title isn't in your name, it will need to be transferred first. Once you have it, Knoxville drivers can start a title loan request online in about 3 minutes.
Do I need to visit a store in Knoxville?
No. You can request offers online from a phone or computer. Some lenders, especially title lenders, may ask you to visit a location or send photos of your vehicle.