Frequently Asked Questions -
Title Loans

Yes — a Title Loan allows you to get the money you need and keep your car while repaying the loan.

You may still qualify for an Online Title Loan with a few payments left on an existing auto loan. In fact, refinancing with a Title Loan through LoanCenter could lower your monthly payment and help you save.

LoanCenter's approval process is based on your vehicle appraisal and ability to repay. 

LoanCenter's approval process is based on your vehicle appraisal and ability to repay. 

You can receive the funds you need from a Title Loan as soon as the same day you apply. Once you fill out an application and get your car appraised at an Advance America location, you’ll get the loan right away if approved.

To receive an Advance America Title Loan, you need to own your vehicle outright. You’ll also need to provide items including your vehicle’s title, your government-issued ID, and proof of residence. Keep in mind that additional information, such as proof of income, may be required in some states.

Yes, some states allow you to refinance your existing title loan at a better interest rate. During the loan application process, our employees will explain the options for refinance.

Rates and terms will vary depending on your approved borrowing limit and state regulations. For more information, see if our Flex Line of Credit is available in your state.

If you own the title to your vehicle, a Title Loan allows you to borrow money based on its value. Your car is used as collateral for the loan so you can get the money you need immediately, and keep driving your car while you pay back your personal loan. Title Loans are ideal for individuals looking for a fast solution to short-term financial needs.

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No, a Title Loan is secured by using the title of the vehicle as collateral. Depending on your state, Advance America may be able to pay off existing Title Loans. Contact our knowledgeable staff for more information.

Yes — a Title Loan allows you to get the money you need and keep your car while repaying the loan.

The title loan application process takes about 15 minutes, and you can leave with your money the same day.

Your credit score is not affected by applying for a Title Loan at one of our locations. The ability to repay the loan is taken into consideration as well as past performance for Title Loans.

To get a Title Loan, you give Advance America the title to your vehicle as collateral in exchange for a loan. You keep your car and can continue driving while you pay back the loan. Applying is easy. Simply bring your car and car title to an Advance America store that offers Title Loans. An employee will inspect your vehicle in minutes, and provide a loan amount comparable to the vehicle value. Then, agree to the terms and scheduled payments, leave with the money you need, and repay your loan on scheduled due dates.

Title Loans are available in select states across the country. Click here to see if Title Loans are available in your state.

You may still qualify for an Online Title Loan with a few payments left on an existing auto loan. In fact, refinancing with a Title Loan through LoanCenter could lower your monthly payment and help you save.

We offer title loans in select states across the country. To see if Title Loans are available in your state, click here.

Car Title Loans can be used to cover unexpected expenses or to deal with other financial hardships.

The Title Loan application process generally takes 15-30 minutes, and you leave with the money you need.

To find out if you are qualified for a Title Loan, simply visit your closest Advance America location with your vehicle for inspection, vehicle title, government issued ID, and proof of residence. Our friendly team member will have you complete an easy Title Loan application and inspect your vehicle. Upon completion of this process, you will know if you qualify for a Title Loan. Before you head to our store, you can use our Title Loan estimator tool to see what amount you may qualify for.

Once your loan is paid in full, we will return the vehicle title as quickly as possible. Due to state specific regulations, the timing can vary. During the loan process our knowledgeable staff can provide more details about the timing and process in your state.

The amount of money you can get with a Title Loan depends on what condition your vehicle is in and any state laws that apply. Keep in mind that your gross monthly income may also determine the Title Loan amount offered depending on your state. To see an estimated Title Loan amount you qualify for, click here to use our title loan estimator.

The loan amount offered to you primarily depends on the condition and value of your vehicle and any state laws that apply. In some states, your gross monthly income will also determine the title loan amount offered. To see an estimated Title Loan amount you qualify for, click here to use our title loan estimator.

To apply for a car Title Loan, please bring the following items to an Advance America location near you:

1. Free and clear vehicle title
2. Proof of residence
3. Government issued ID
4. Vehicle (for inspection only)
5. In some states, proof of income and vehicle insurance are required

To qualify for a car Title Loan, your car must be registered in your name, must be paid off and you should have possession of the title. In some states, your gross monthly income will also determine the Title Loan amount offered. At our location, one of our employees will inspect your vehicle and determine its value.

No, there is no prepayment penalty. You may pay off your loan at any time before the due date if you wish.

Unlike other types of short-term loans, auto Title Loans use your car as collateral. Title Loans grant you instant access to cash eliminating the need for a bank account or perfect credit.

Title Loan costs vary. To view loan options and fees, in your area, click here.

Most title loans are paid monthly, with differing terms by state.

Please bring the following items:

• Vehicle title

• Vehicle (for inspection only)

• Proof of residence (utility bill)

• Government Issued ID

• Proof of Income

• In some states proof of vehicle registration and insurance may be required

• If there are two owners of the vehicle on the title, both parties may be required to be present.

Yes, some states allow you to refinance your existing title loan at a better interest rate. During the loan application process, our employees will explain the options for refinance.

Most title loans are paid monthly, with differing terms by state.

Advance America will work with you to establish payment arrangements for your Title Loan. And we're committed to collecting past due accounts in a professional, fair and lawful manner. Past due payments may impact your ability to transact with Advance America or other lenders. If you are unable to pay your loan on time, please contact us at your local store or our toll free number (844)562–6480.

Even with a poor credit history or previous bankruptcy filing, you still may be eligible to receive a Title Loan with Advance America.

Yes, so long as your payments are in accordance with payments schedule as outlined in your loan agreement. Our Title Loan repayment terms vary by state with the length of loan varying from 30 days to 24 months. To learn more about the terms in your state, click here.

Yes, your car must be paid off and you should have possession of the title, with no other lien holders on the title. Some states may allow us to assist you in paying off your current loan. Contact our knowledgeable staff for more information.

You may pay off your Title Loan at any time before the due date if you wish. There is no prepayment penalty, and depending on the state, paying off early may reduce the fees of your Title Loan.

The car must be registered in the loan applicant’s name. If more than one owner is listed on the title, the loan applicant must be one of the persons present, and, in some cases the other owner(s) must be present as well. Check with your location for further details.

You may make payments for Title Loan in accordance with your payment schedule until the account in paid off or you may visit the store and request a pay-off amount to satisfy the account in full. As always, any time you have a little extra cash, you may make a payment to get ahead of your payment schedule.