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TitleBanko auto title loans review

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Just don't expect to know what rates and terms you might qualify for until after you fill out its online form.

When you’re looking for an auto title loan, a connection service like TitleBanko can help you find a lender without spending hours searching or confirming you qualify. But it’s not up front about what rates and terms its partner lenders offer. And you won’t find any reviews from other customers who’ve used its service.

$1,000

Min. Amount

$30,000

Max. Amount

Details

Product NameTitleBanko auto title loans
Min. Amount$1,000
Max. Amount$30,000
Loan TermVaries by lender
RequirementsRegular source of income, valid government-issued ID, ages 18+

What is TitleBanko?

TitleBanko is an auto title loan connection service. Rather than offering loans directly, it works with a network of lenders across 36 states to help you find a loan you might qualify for. You can borrow anywhere from $1,000 to $30,000. And unlike some services, its partners accept both cars and motorcycles as collateral.

However, it’s not the most transparent company out there. You won’t know what rates and terms you qualify for until after you submit your information through its online form. This can be risky, since most auto title loans come with APRs in the triple digits. And you risk losing your car should you default.

TitleBanko isn’t available nationwide

TitleBanko doesn’t work with residents in the following states:

  • Arkansas
  • California
  • Hawaii
  • Iowa
  • Kentucky
  • Maine
  • Maryland
  • Massachusetts
  • New Jersey
  • New York
  • Rhode Island
  • Vermont
  • Washington
  • Washington, DC
  • West Virginia

What are the benefits of TitleBanko?

If you’re in the market to compare multiple short-term lenders with one online form, TitleBanko has a few benefits:

  • Serves a variety of borrowers. The lenders in TitleBanko’s network accept borrowers with less-than-perfect credit. And some might be willing to work with you even if you still owe money on your car.
  • Quick turnaround. You could be connected with a partner lender within seconds of submitting TitleBanko’s online form. And depending on the lender, you could receive your funds in just one business day after being approved.
  • Wide state availability. TitleBanko could match you with a lender just as long as you live in one of the 36 states it services.

What to watch out for

TitleBanko may be a quick option, but there are still a few drawbacks you should be aware of:

  • Not transparent about rates and terms. You won’t know how much it costs to borrow with one of TitleBanko’s partner lenders until after you fill out its online form.
  • No direct phone number. The phone number listed on TitleBanko’s website connects you to an affiliate — not the connection service itself.
  • Limited information available. TitleBanko doesn’t provide much about its services or the people behind it on its website. And it doesn’t have a Better Business Bureau (BBB) or Trustpilot page where you can find reviews from former customers.

Compare more auto title loan providers

Data indicated here is updated regularly
Name Product Filter Values Max. Loan Amount Turnaround time Requirements
Max Cash Title Loans
$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.
AutoTitleLoans.com Car Title Loans
$10,000
Varies by lender
Have a regular source of income, not be involved in any bankruptcy proceedings, be a US citizen or permanent residence, be at least 18 years old (varies by state).
Quickly find a lender and potentially borrow up to $10,000 by using this auto title loan connection service.
LoanMart Car Title Loans
$50,000
1 business day
Must live in AL, AZ, IL, MO, NM, SC or UT. Must have verifiable income, car value of at least $1,500 and a vehicle that is paid-off or close to being paid-off.
A LoanMart auto title loan allows you to borrow money against your car, even if you have bad credit.
Finova Financial Auto Equity Loans
$5,000
as little as one business day
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.
Short-term loans secured by your car title. Repayments accepted through MoneyGram if you don't have a bank account.
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Compare up to 4 providers

TitleBanko reviews and complaints

BBB accredited No
BBB rating A+
BBB customer reviews 1 out of 5 stars, based on 2 customer reviews
Trustpilot score 4.7 out of 5, based on 2,078 customer reviews
Customer reviews verified as of 16 October 2020

TitleBanko doesn’t have any online reviews as of October 2020. While that isn’t odd for a connection service, it’s strange that its parent company also lacks reviews.

Because of this, you won’t know much about the lenders you may be connected with or how TitleBanko uses your personal information until after you fill out its online form. If you’re connected with a lender, be sure to look up its reviews from former customers so that you know what you’re getting into before you borrow.

Is it safe to apply for TitleBanko?

In general, yes — though no website can ensure your information stays 100% secure. TitleBanko does its part by using 256-bit encryption to help keep your personal information safe.

But like all connection services, it shares your personal details with its network of lenders. This means you may continue to receive emails, texts or phone calls from lenders after you’ve taken out a loan. While it has an Unsubscribe page on its website, it’s unclear whether this allows you to unsubscribe from correspondence with all of its partner lenders, or just TitleBanko itself.

Am I eligible?

To get connected with a lender in TitleBanko’s network, you must meet the following requirements:

  • Valid government-issued ID
  • Regular source of income
  • At least 18 years old

You may need to meet additional requirements depending on the lender you’re connected with.

How do I get started?

Follow these steps to get connected with a lender online:

  1. Go to TitleBanko’s website and click Get Started.
  2. Select how much you’d like to borrow.
  3. Enter your ZIP code and phone number. Click Continue.
  4. Enter your name, email address and birth date. Click Continue.
  5. Enter the current market value of your car and select if your vehicle is currently paid off. If it’s not, enter the amount you still owe on your loan. Click Continue.
  6. Select your primary source of income, then enter your monthly income and select whether you’re involved in active bankruptcy. Click Continue.
  7. Read the privacy policy and terms and conditions. Click Go.

It may take a few minutes for your request to process. If you’re connected with a lender, you can visit its website to complete your application. If you’re not, you may want to compare your other short-term loan options instead.

What documents do I need to apply?

You won’t need any documents to fill out TitleBanko’s form, but you may be required to provide proof of income and your vehicle’s title to the lender you’re connected with.

I was connected with an auto title lender. Now what?

Once you’ve been connected with a lender, read through the terms and conditions before signing the contract. Your loan documents should detail how much you owe each month and your loan’s due date. If possible, ask if you can sign up for autopay to avoid any late fees.

And remember: Auto title loans use your car as collateral. So if you fall behind on repayments, your lender can repossess your vehicle. If you’re worried about missing a payment or have any questions, reach out to your lender — not TitleBanko — for assistance.

Bottom line

TitleBanko can help you compare different auto title loan providers by filling out just one online form. But it’s not transparent about what rates and fees its partner lenders offer. And you won’t find any reviews from former customers online.

See how it stacks up to the competition with our guide to auto title loans.

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