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Max Cash Title Loans could help you when you need money the most.
finder.com’s rating: 2.3 / 5.0
If your finances won’t see you to your next paycheck because of unexpected bills, car repairs or a loss of income, an auto title loan could help get you through a rough financial patch.
If you own a car, you could borrow against its title without actually giving up your car. Title loans are a way to get fast cash by putting your car’s title up as collateral in exchange for $100 to $10,000, typically.
With a quick online application, Max Cash could help connect you with a lender, finding you options in minutes.
Kellye Guinan is a writer and editor with Finder and has years of experience in academic writing and research. Between her passion for books and her love of language, she works on creating stories and volunteering her time on worthy causes. She lives in the woods and likes to find new bug friends in between reading just a little too much nonfiction.
How does Max Cash work?
If you’re looking for a short-term loan to get you back on track, auto title loans are an option for car owners — without actually giving up your car. Max Cash is a lender-connection service that can connect you with a variety of title loan lenders.
Submit your info through the Max Cash website, and Max Cash will determine how much money you could qualify for — usually between 50% and 90% of what your car is worth. This amount is typically estimated based on “auction value,” or how much your car would sell for right now in an auction. Max Cash then passes your information on to lenders who can to lend you money in exchange for the title of your car.
What states is Max Cash Title Loans available in?
Max Cash Title Loans works with residents of all states except:
The costs vary depending on your car, state of residence and other eligibility factors. APRs can range from 29%–300%. The average is about 87%–97% APR.
What makes Max Cash unique?
Max Cash Title Loans has helped over 350,000 people in the US find a title loan. It works with many different lenders so that even people with poor credit could get the loan they need.
It has a very detailed, transparent website that outlines everything you need to know about title loans, like whether you need a bank account — it depends on the state — to warning people of the high interest rates associated with title loans. While interest rates vary by company and state, Max Cash explains that you can expect to pay on average about 96% APR per year compounded daily. Max Cash’s website is full of helpful information to help you get the answers you’re looking for before jumping into a title loan.
Wondering if you can get a title loan on a motorcycle? You can in Los Angeles and some parts of Texas and Florida.
Have two cars and wondering if you can get one loan based on both? You can’t. One loan, one car, one person.
Max Cash’s website states that it’ll never sell or distribute any information you provide to anyone other than the direct lender and that it’ll not do business with a lender that sells or shares your information with third-party companies. This is a big claim that not many lender-connection services make.
What are the benefits of using Max Cash?
No bank account requirement. You could get an auto title loan through Max Cash without having a bank account, in most states. However, in Florida, you must have a bank account to qualify.
Extensive list of car comparisons. Max Cash uses Kelley Blue Book and Black Book to determine how much your car is worth. Check out its page of similar makes and models to see how much you can get for your car.
Helpful website. Max Cash details the process of applying for title loans, calculating interest and provides a sample contract. Familiarize yourself with its info and our page on auto title loans to know exactly how these loans work.
Services nearly every state. Unless a state has prohibited auto title loans, Max Cash is likely to have a location in your state to discuss your loan options in person and have your car evaluated.
While Max Cash Title Loans is not accredited by the Better Business Bureau (BBB), it did receive an A rating. There aren’t any reviews for the company on BBB nor were there any reviews on Trustpilot.
The testimonials on the site claim that customer services was prompt and attentive. Keep in mind testimonials on a provider’s website are usually all positive.
Be sure to check the BBB and Trustpilot ratings of the lender you’re ultimately connected with to make sure it’s legitimate.
Am I eligible?
Because Max Cash works with a variety of lenders, the application criteria varies. But for most auto title loans, you could be considered even with a bankruptcy or if you’re unemployed.
Basic criteria requires that:
You’re at least 18 years old, or of legal age in your state.
You have a regular source of income, including unemployment benefits.
You’re a citizen or permanent resident of the US.
How do I submit my info?
Before you start, make sure you have the following documents:
A government-issued ID
A free and clean car title
A Social Security card or document containing both your name and SSN
A valid checking account
Three references from non-relatives
Car insurance (some states require proof of this for a title loan, but not all)
Pictures of your car (all four sides including the VIN and odometer)
If you prefer to speak with a representative, you can call 833-200-0652 to start the process.
Submitting your information online takes a few minutes. Locate the small application on the right side of the page and enter your information. Once you’ve submitted your info, a representative from Max Cash will contact you to finish processing your application.
You’ll be redirected to a lender that’ll help you take out an auto title loan. Be sure you have a budget in place to pay for your loan and the high interest it’ll accrue.
It’s important to read the fine print listed on your loan contract. While car title loans can be a good way to afford emergency expenses, they are a costly form of credit.
When you’re struggling to make ends meet, there are lots of short-term loan options out there. Max Cash can be a quick way to get the cash you need — especially if you have poor credit.
Frequently asked questions
Lenders understand that not everyone can always make their payments on time. If this is the case, contact your lender and ask for an extension. You may be charged penalty fees for late payments or non-sufficient funds; If you’re consistently unable to pay at a certain time of the month, consider requesting a change in the contract.
If you still owe money on your car, you may be able to get a loan, but your options will be limited. Max Cash works with a huge variety of lenders that might be willing to work with you, even if you have an outstanding balance on your title.
Yes. In most states it services, Max Cash can offer loans to people who don’t have a bank account.
Be sure to check requirements for your state though. In Florida, for example, Max Cash requires you to have a bank account.
We analyze short-term loan providers and similar services to help you weed out predatory lenders and find a company you can trust. We rate providers on a scale of one to five stars. Our ratings are based on factors that are most important to you, which include: loan amount, application process, fees, customer reviews and borrower experience.
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