Title Loan Rates: Flexible, Transparent, and Affordable

When you need fast cash for an emergency expense, you shouldn’t have to risk your car or pay unfair fees just to borrow money. That’s why our car title loans come with clear rates starting as low as 36% APR and usually not higher than 120% APR — far below the 200%–300% rates many other car title lenders charge.

We believe you deserve a short term loan that solves a problem — not creating a bigger one. Our mission is simple: fair title loan rates, clear costs, flexible monthly payments, and no surprises — so you can keep your motor vehicle, cover your expenses, and repay comfortably on your schedule.

Why Choose Us for a Car Title Loan?

Here’s why so many people trust us for their car title loan:

1. Lower annual percentage rates (APR)
   Many title loans charge up to 300% APR. We keep your interest rate fair — usually between 36% and 120% APR, depending on your car’s value, your income, and state regulations.
2. No hidden fees
   Each document clearly lists your rate, lien requirements, and fees. We never hide surprise charges — transparency is how we earn your trust.
3. Flexible repayment options
   Select terms that fit your budget — 24-48 months. Pay off your loan amount early to save even more on interest — no prepayment penalties.
4. Fast, same day funding
   Once approved, you can access your money the same day in many cases — and keep driving your motor vehicle while repaying.
5. Keep your clear title secure
   Our goal is to help you repay responsibly and avoid repossession. We work with you if you ever need to adjust your monthly payment plan.

What You Get When You Borrow From Us

• Fair title loan rates — no inflated 300% APR surprises
• Clear costs — no hidden finance charges
• Manageable monthly payments you can plan for
• Support if you need to adjust your plan — we help you avoid missed payments and repossession
• Honest answers — because repeat business matters to us

Choosing us means working with a licensed lender who cares about protecting your vehicle, your budget, and your future.

How Most Title Loan Rates Work

Unfortunately, not all lenders follow these same standards. Many car title loans from other lenders have extremely high interest rates and hidden fees that push borrowers deeper into debt.

A typical car title loan charges 20%–25% monthly interest, adding up to an annual percentage rate (APR) of 100%–300% or more. By comparison, credit cards for lower credit scores often charge 25%–30% APR, while a standard personal loan is usually 6%–36% APR.

Loan Type	Average APR
Car Title Loan (Industry Average)	100%–300%
Credit Card	25%–30%
Personal Loan	6%–36%
Our Title Loans	36%–120%

Common Fees in Car Title Loans

Beyond high interest rates, many lenders add extra fees that raise your total loan amount and increase your monthly payment:

• Origination fee: $25–$100 to process your loan
• Document fee: $50–$200 for paperwork and lien filing
• Late fee: Charged if you miss a monthly payment
• Repossession costs: If you default, you pay for towing and storage
• Lien fee: Small government fee to record the lien on your clear title

We limit these fees and explain every cost up front to help you save.

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Hidden Costs: The Rollover Trap

Some car title lenders may push you to roll over loans when you can’t pay them off. This means you may pay additional fees and higher finance charges each month while the principal stays the same or even increases— making the loan more expensive and harder to repay.

Example of Rollover Trap:

• Borrow $1,000 — Owe $1,250 after 30 days
• Can’t pay in full? Roll over — pay $250 fee, principal stays
• Next month — Owe $1,500
• Repeat — debt doubles, but the original loan amount remains unpaid

This cycle leaves many borrowers in a worse position than when they started.

Real Example: Monthly Payment on a $1,000 Title Loan

See how the interest rate and term affect the total cost. Here’s a breakdown for a $1,000 loan amount:

Term	APR	Monthly Payment	Total Interest	Total Repaid
6 months	36%	$181	$86	$1,086
6 months	72%	$196	$177	$1,177
12 months	48%	$96	$155	$1,155
12 months	84%	$111	$337	$1,337
12 months	120%	$124	$494	$1,494

Paying off early reduces finance charges and total costs.

Typical Repayment Terms for Title Loans

Some car title loans are due within 30 days, but some lenders — including us — offer longer repayment terms up to 48 months with predictable monthly payments. Rolling over your loan adds new fees and interest, so paying on time saves you money.

What Happens if You Default on a Title Loan?

If you can’t make your payments, the lender has the right to repossess your motor vehicle and sell it to recover the unpaid balance, fees, and interest. Repossession damages your credit and can leave you without transportation. We do everything possible to help you avoid defaulting.

Are Title Loans Worth It?

With us: a title loan can help in a true emergency if you have a clear repayment plan.
With some lenders: high interest rates, hidden fees, and rollover traps can lead to expensive debt and losing your car.

A personal loan or credit card cash advance usually costs less and does not risk your vehicle.

Better Alternatives to Title Loans

Personal Loans

• APR: 6%–36%
• No car title used as collateral
• Predictable monthly payments

Credit Cards

• APR for poor credit: 25%–30%
• Same day cash advances
• Flexible payments

Credit Union Emergency Loans

• APR: 10%–18%
• No collateral
• Member-friendly help and fair document terms

Online Licensed Lenders

• Fast approval
• Clear finance charges
• Keep your motor vehicle

Balance Transfer Loans

• A smart way to handle existing high-interest card debt
• See how a balance transfer loan could help lower your rates and simplify payments

How to Protect Yourself

Before you sign a title loan agreement:

• Compare APRs and get full payment details in writing
• Read all documents, including every fee and lien condition
• Pay off your loan as soon as possible to save
• Check your state laws — some states limit or ban car title loans

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Frequently Asked Questions

Protect Your Car and Save Money

Before signing any high-cost title loan, explore your options. Choose a lower APR, read every document, plan your monthly payments, and repay early to reduce total finance charges.

We’re here to help you get the cash you need — with honest rates, capped fees, and no surprises. Keep your vehicle, protect your credit, and stay in control.