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Compare online title loans

How to find a fast online, short-term loan backed by your car.

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By

Anna Serio

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Compare 4 lenders that offer title loans completely online

ProviderLoan amountEligibility
Max Cash Title LoansUp to $50,000Must 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.
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Finova Financial$750 to $5,000Must 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.
Advance America$2,000 to $25,000Varies by stateRead more
LoanCenter$2,000 to $50,000State-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.

How online title loans work

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.

How to apply for a title loan online

  1. Complete a brief application. Most online lenders ask for basic information about yourself, your vehicle and your income.
  2. Upload pictures of your vehicle. Lenders have different instructions of the number of photos to upload when you apply for an online loan.
  3. Send in your car title. Some lenders might ask you to mail in your car title if you apply online.
  4. Upload other required documents. Depending on where you live, you might be asked to provide a copy of a state-issued photo ID, proof of income like a recent pay stub or proof or residency like a recent utility bill or lease.
  5. Review and sign your loan documents. Read the terms and conditions of your loan offer before signing and returning any papers.
  6. Receive your funds. Online lenders typically send funds to your bank account as soon as the next business day.

Why is it so hard to find a title loan with no store visit?

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.

Benefits of online title loans

  • Spend less time applying. You don’t have to drive to a title loan company and wait to have your vehicle inspected to get a title loan online.
  • Available if there’s no nearby location. The nearest location for a lender might be far or inconvenient — an online provider solves this problem.
  • Money in your bank account. Online title loan providers automatically send money directly to your bank account so you don’t need to stop by and pick up cash or a check.

Drawbacks of online title loans

  • Fewer choices. Only a small pool of title loan providers offer online options, which might not offer the most competitive rates and terms.
  • Not available in all states. Some of the lenders that do offer online title loans might not have that option in your state — make sure yours is eligible before you apply.
  • Not as fast. Applying in person can get you funds within 30 minutes.
  • Potential scams. Online short-term loan scams are easier to carry out than storefront providers.

Watch out for no-inspection title loans

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.

Compare short-term loans and alternatives

Unlike other types of short-term loans, it isn’t always easy to find a title loan online. That’s because most title loan companies require you to bring in your vehicle for inspection. If you don’t have the time to drive to wait for an inspection — or just don’t want to — you have a few options, though they are limited.

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Updated regularly
Name Product Filter Values Loan amount Turnaround time Requirements
Chime SpotMe®
Not rated yet
Chime SpotMe®
Up to $200
Same day
Single qualifying $200 direct deposit into Chime checking account in the last 34 days.
Access fee-free overdrafts up to $200 when eligible. Plus get your paycheck up to 2 days early with direct deposit. See Chime terms and conditions.
Go to site
More Info
Smart Advances
Not rated yet
Smart Advances
$100 to $20,000
As soon as one business day after loan closing
Have a regular income, 18+ years old, be a U.S. citizen with a valid SSN, have an open bank account, meet any additional requirements your lender may have
Smart Advances was designed to help you request the loan you need, for any reason.
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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.
Go to site
OppLoans Installment Loans
Finder Rating: 4.7 / 5: ★★★★★
OppLoans Installment Loans
$500 to $4,000
As soon as the same business day.
+18 years old, Receive paychecks through direct deposit, Meet minimum income requirements, Live in eligible state
Comes with the option to change your due date so you won’t fall behind on repayments.
Go to site
More Info
Brigit
Not rated yet
Brigit
$250
1 to 3 business days, or instant with a fee or Premium subscription
Bank account must have at least 60 days of activity, Balance must be above $0 and have an average minimum balance on pay day
Have up to $250 automatically deposited into your account — for a $9.99 membership fee.
Go to site
More Info
Possible Finance Mobile Installment Loans
Up to $500
As fast as 1 business day
Checking account with 3+ months of banking history, $750+ monthly income, live in eligible state, ages 18+
Borrow up to $500 with just a few swipes — but only for residents of 21 states.
Go to site
More Info
LendYou Short-term Loans
Finder Rating: 2.5 / 5: ★★★★★
LendYou Short-term Loans
$100 to $1,000
Same business day to 1 business day
$1,000+ monthly income, direct deposit, US citizen or permanent resident, ages 18+
Get offers from potential lenders in minutes by filling out just one online form.
Go to site
More Info
MoneyLion Instacash advances
$250, $1000 with RoarMoney account
Up to 5 days or instant for a fee
Bank account must have at least 60 days of activity, show recurring deposits and must have a positive balance
Fee-free, interest-free cash advances up to $250.
Go to site
More Info
Fast5kLoans Short-term Loans Connection Service
Finder Rating: 3.5 / 5: ★★★★★
Fast5kLoans Short-term Loans Connection Service
$100 to $35,000
As soon as the next business day
Regular source of income, Verifiable bank account, US citizen, Ages 18+
Get connected with multiple lenders you might qualify with — even if you have bad credit.
Go to site
More Info
CashNetUSA Loan
Finder Rating: 3.6 / 5: ★★★★★
CashNetUSA Loan
Varies by state
As fast as same business day
Regular source of income, bank account, US citizen or permanent resident, age of majority in your state
Sign up for its discount program to get access to coupons and deals on everything from dining out to tax services.
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Bottom line

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.

Frequently asked questions