Title Loan Calculator
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.
How to use it
Enter your vehicle's approximate value and the share lenders typically lend (often 25% to 50%). Then enter the amount you want, the monthly finance rate from your offer and the number of months to see your payment.
What affects how much you can get
- Vehicle value — year, make, model, mileage and condition.
- Title status — a lien-free title in your name gets the most options.
- Income — some lenders verify you can make the payments.
- State law — some states set maximum amounts; see title loans by state.
Keep driving
With a title loan you keep your car. The lender holds a lien on the title until the loan is repaid, then releases it.
Frequently asked questions
Can I get a title loan online in your area?
Yes. Many title lenders let you start and complete most of the process online. You enter your vehicle and income details, then upload photos of your car, title and ID instead of visiting a store. Some lenders may still ask for a quick in-person inspection. Funds are usually sent to your bank account. Start your your area title loan request in about 3 minutes.
How do I get a title loan in your area?
Gather your vehicle title in your name, a government-issued ID, proof of income and proof of address. Then complete our online form with your vehicle's year, make, model and mileage. A lender may ask for photos or a quick inspection to confirm the car's condition. If you're approved, you'll review the full terms before you sign. It takes about 3 minutes to get started.
What do I need for a title loan in your area?
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 your state, 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 your area?
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 your state will tell you what they can offer.
Can I refinance my title loan in your area?
Often, yes. Some lenders let you refinance an existing title loan into a new loan with a different payment amount or term, and a new lender may be able to pay off your current one. Options depend on your vehicle's value, your income and your state rules. Enter your details on our form to see what lenders in our network can offer you. It takes about 3 minutes.
Ready for real numbers?
Calculators give an estimate. To see actual offers for your situation, fill out our short form. It's free and takes about three minutes. See if you qualify.