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Max Cash Title Loans review

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Max Cash Title Loans
Max. Amount
$50,000
Turnaround time
Same business day to 1 business days

Summary

Max Cash Title Loans could help you when you need money the most.

finder.com's rating: 3.1 / 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.

Pros

  • No bank account required
  • No prepayment penalty
  • Bad credit OK

In this guide

  • Review
  • Details
    • Product details
  • Your reviews
  • Ask an expert

Details

Product details

Product Name Max Cash Title Loans
Max. Amount $50,000
Loan Term Varies by lender
Loan Security Secured
Turnaround Time Same business day to 1 business days
Costs APRs can range from 29%–300%. The average is about 87%–97% APR.
Requirements Must be a US citizen or permanent resident, 18 or older with a regular source of income.

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 New York.
If you live in New York, you’ll have to look elsewhere for a loan.

How much does it cost?

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.
  • 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.
Go to site

What should I watch out for?

  • Title loans are costly. No matter your lender, these loans are expensive. Be sure you consider the total cost of the loan — principal and interest — before applying.
  • Risk losing your car. If you default on your loan, you could face repossession of your car. This is a reason title loans are illegal in some states.
  • Not a direct lender. Max Cash isn’t a lender. It works like a payday loan broker, working to connect you with a lender that meets your needs.

Compare more auto title loan options

1 - 0 of 0
Name Product Filter Values Loan amount Turnaround time Requirements
Max Cash Title Loans
Up to $50,000
Same business day to 1 business days
Must be a US citizen or permanent resident, 18 or older with a regular source of income.
With a quick online application, Max Cash could help connect you with a lender, finding you options in minutes.
LoanMart Car Title Loans
$2,500 to $50,000
1 business day
Resident of an eligible state, car title in your name, proof of income, valid state ID
A LoanMart auto title loan allows you to borrow money against your car, even if you have bad credit.
EarnIn
Not rated yet
EarnIn
Get up to $100 per day or $750 per pay period.
1 to 2 business days, or in minutes with Lightning Speed.
Direct deposit sent to a checking account, a regular pay schedule, a fixed work location or an online timekeeping system at work
No mandatory fees, no interest, and no credit checks. Subject to EarnIn terms & conditions
Cleo
Not rated yet
Cleo
$20 to $250
3 to 4 days standard transfer. Same day with $3.99 express fee.
Not stated
Automatically monitor your spending plus access cash advances up to $100 at a time.
Cash App
Not rated yet
Cash App
$20 to $200
Same day
Deposit at least $1,000 per month into your Cash App account
Albert
Not rated yet
Albert
Up to $250
2–3 business days or instant for a fee
Checking account 2+ months old receiving direct deposit, 2+ months working for the same employer, positive account balance, most recent paycheck was on-time, funds still available in bank account 24 hours after most recent payday.
Advance up to $250 from your paycheck plus get access to your paychecks up to 2 days early with direct deposit.
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Max Cash reviews and complaints

Max Cash Title Loans Only barely has any online reviews. The testimonials on the site claim that customer services was prompt and attentive. But 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.

Go to site

I got a referral. Now what?

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.

Bottom line

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

What if I can’t pay my bill?
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.
Auto title loans are illegal in my state. What else can I do?
You can view our alternatives page to find another option that suits you.
My car isn’t paid off. Can I still apply?
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.
Can I apply without a bank account?
Yes. In most states it services, Max Cash can offer loans to people who don’t have a bank account.
Be sure to check the requirements for your state, though. In Florida, for example, Max Cash requires you to have a bank account.
Can I apply without proof of income?
No. Max Cash requires borrowers have a verified source of income. You’ll need to compare other options if you want to get a title loan without proof of income.

Short-term loan ratings

★★★★★ — Excellent

★★★★★ — Good

★★★★★ — Average

★★★★★ — Subpar

★★★★★ — Poor

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.
Read the full methodology of how we rate short-term loan providers and similar services.

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