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Home > How Much Can I Get for a Title Loan on My Car

How Much Can I Get for a Title Loan on My Car

How much cash can i get

Find out now. It's fast, secure & free!

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In a Nutshell: A qualified applicant may be eligible to borrow between 25% and 50% of their vehicle’s value through a car title loan. The typical range for title loans across most providers falls between $100 and $50,000.

The primary factors determining how much you can borrow from a title loan are:
Your ability to repay the loan and your vehicle’s condition or equity. However, this can vary based on the lender and state regulations.

Turn Your Car Title Into Cash

Title loans, also known as auto title loans or car title loans, offer a smart solution for immediate financial emergencies. These loans allow you to leverage the equity in your vehicle to secure quick cash at the same day.

Essentially, your car’s title acts as collateral for the loan. This means you can access funds without dealing with the lengthy approval process of traditional bank loans.

Lenders providing auto title loans typically offer a portion of your car’s title value. This means that the amount you can borrow depends on a percentage of your car’s total value.

The amount you can get for a title loan on your car typically ranges from 25% to 50% of your vehicle’s current market value. This can be anywhere from a few hundred to a few thousand dollars.

Additionally, the lender will check your income to see if you qualify and to determine how much you can comfortably repay.

Get an idea of what your vehicle is worth right now: 
Get accurate price for your vehicle Value – Kelley Blue Book
Get instant used car value online with Edmunds

Evaluating Your Income and Car Equity for Loans

Your income source is crucial as it shows your capacity to handle the loan repayments. Similarly, your car’s equity, which is its current market value minus any outstanding loans or liens against it, plays a significant role.

It’s always important to check with specific lenders for their policies and terms to understand how these factors may influence your potential loan amount.

Title Loan Value Examples

Examples*2015 Jeep Grand Cherokee2011 GMC Sierra 1500
Vehicle Value$16,000$5,000
50% Car Value16000*50%= $80005000*50%= $2500
Title Loan Amount You May Receive$8000$2500

Here’s a simple breakdown of potential title loan amounts based on car values:

  1. If you have a 2015 Jeep Grand Cherokee worth $16,000, you could borrow up to $8,000.
  2. If you own a 2011 GMC Sierra 1500 valued at $5,000, you might be eligible for a loan of up to $2,500.

*Values are approximations and for illustration purposes only

Get a Precise Idea of Your Potential Title Loan Amount

To get a precise idea of your potential title loan amount, you can either utilize our title loans calculator or have a conversation with loan representatives. They may provide you with an accurate estimate or a range for the amount you could borrow.

Do you want to get a real offer?

Apply online to discover how much cash you can access by using your car as collateral:

What Are the Requirements for a Title Loan?

For a title loan, you typically need the following:

  1. A lien-free car title in your name.
  2. A government-issued ID.
  3. Proof of income or ability to repay.
  4. Proof of residence.
  5. A vehicle inspection.

These requirements may vary by lender and state, so it’s essential to check with your specific lender for exact details.

What Are the Minimum and Maximum Title Loan Amounts Available?

Different lenders offer different amounts for title loans. The following are ranges from popular title loan lenders (According to the companies website):

  • Montana Capital Car Title Loans – Between $500 and $50,000 
  • Title Max – Up to $10,000
  • Loan Center – $2,510 and $50,000
  • LoanMart – Between $1,500 and $50,000
  • 5 Star Car Title Loans – Between $2600 and $50,000
  • Advance America – Up to $25,000
  • Speedy Cash – Between $100 and $25,000
  • Max Cash Title Loans – Between $500 and $50,000
  • 1(800) Car-Title – Between $2,000 and $30,000

Keep in mind that individual states have their own regulations to consider. To see how title loan amounts vary by state, check out our location map here

Maximizing Your Loan Potential with Us

Many lenders offer approved borrowers between 25% to 50% of their vehicle’s value. At MontanaCapital Car Title Loans, you have the potential to get a lot more; up to 70% of what your car is worth as long as you have the income to prove you can afford to repay the loan.

Other factors may affect your final loan amount and terms such as your state of residence, credit score, credit history, and specific lender criteria.

Factors Affecting Your Offer Amount

Type of vehicle

Each vehicle type (car, truck, RV, etc.) has a different value, and some are worth more than others. For example, an SUV may be worth more than a motorcycle.


Some makes/models are more desirable than others, giving them a higher fair market value, which means you can borrow more money. A luxury vehicle with all the bells and whistles will often be eligible for more than the bare-bones model.


A car’s condition greatly affects its value. A car in excellent functional and cosmetic shape will be worth more than a car with scratches and dents or mechanical issues.


The more miles your car has, the less it may be worth. Higher mileage often means either more problems with a car or the potential for issues to arise soon, which decreases its desirability and value.


The younger your car is, the more it will be worth because it has more usable life.

How Do Auto Title Loans Work?

The title loan process is simple and quick! Here is what you need to do:

  • Apply online, in person, or over the phone
  • Answer a set of pre-approval questions
  • Provide photo identification and proof of income
  • Provide vehicle photos in place of an inspection
  • Receive a pre-approval decision in minutes
  • Review your title loan terms if approved
  • Send in your lien-free title in your name 


Can I Get a Title Loan If My Car Isn’t Paid Off?

Does Title Loan Lenders Check Your Credit?

The Bottom Line

If you want to access the equity in your vehicle fast, an online title loan may be the solution for you!

While title loans may be able to offer you the extra cash you need, taking out a loan of any kind is a big decision. Make sure to research lenders and alternative financing options. Take steps to anticipate how much a loan will cost you each month and over the entire term to ensure you can afford it. 

Save Time with the Title Loan Payment Calculator

If you are in the market for a car title loan and you wish to know ahead of time how much it will cost you, you can use the title loans calculator to get a free title loan estimate. When you locate and use the online title loan simple calculator, you can save yourself a lot of time and efforts.

Written by Samantha Hawrylack

Written by

Samantha Hawrylack

Samantha Hawrylack writes for our company and is an expert in personal finance. Sam received her Bachelors of Science in Finance and her Masters in Business Administration from West Chester University of Pennsylvania. She began her career in the financial services industry and shifted to an entrepreneurial role where she could directly impact clients. Sam has an impressive background in personal finance and business management.

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