Editor's choice: Max Cash Title Loans
- No bank account required
- No prepayment penalty
- Bad credit OK
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|Max Cash Title Loans||Up to $50,000||Must be a US citizen or permanent resident, 18 or older with a regular source of income. Not available in CO, HI, MD, MT, NE, NY, OH, SD, WA, or WV.|
|Finova Financial||$750 to $5,000||Must live in AZ, CA, FL, NM, SC or TN. Must own your car outright, have a valid car insurance policy and be a US citizen or permanent resident.|
|LoanCenter||$2,000 to $50,000||State-issued ID, proof of auto insurance, title, proof of residence and five references. Only available to residents of UT, AZ, ID, SC, NM, GA, MI or CA.|
Online title loans allow you to apply, get approved and receive your funds entirely online. While many title loan companies let you start the application process online, they generally require you to bring your vehicle in for an inspection, provide your title and pick up your cash.
With an online loan, lenders typically ask you to upload images of your vehicle and send in a copy of your title instead. And rather than asking you to pick up the funds, online lenders send the money to your bank account, often as soon as the next business day.
There are a few reasons it’s difficult to find a title loan that doesn’t require a store visit. First, many title loan companies prefer to perform the vehicle inspection themselves rather than rely on pictures that you send in — these can be less accurate and harder to verify.
Some lenders also install GPS trackers in the vehicles you’re using for collateral so it’s easy to find if you default on your loan. You can’t do this with an online title loan. Additionally, some state restrictions might make it a lot easier for title loan companies to provide financing with an in-person visit rather than over the internet.
Some online title loan providers might advertise that you don’t need to provide an inspection. Like a no credit-check loan, these tend to come with less favorable rates and terms. It could also be the sign of a short-term loan scam or a predatory lender.
If it’s too much of a hassle to upload photos and provide detailed information about your title loan, you might want to reconsider having an inspection done in-person.
You have a handful of options if you want to apply for a title loan completely online. But between uploading photos of your car, mailing in your title and the limited choices, it might not be as convenient as it seems. You can learn more about how title loans work and compare lenders by checking out our comprehensive guide.
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