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Car Title Loans

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Won’t impact your credit score!
Won't impact your credit score!

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Example interest rate

9.20% p.a.

Comparison rate*

10.58% p.a.

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Car Title Loans

There are many advantages to taking out car title loans, but they are not suitable for every consumer. It requires you to pledge your car as collateral, leaving you at risk of losing the vehicle if you default. We have the perfect financial solution if you want fast cash without putting your properties on the line. 

MONEYME is a premier online money lender that grants unsecured loans to maintain your financial stability. These loans rely on your ability to repay debt instead of requiring an asset for security. Apply now!

How do car title loans work?

A car title loan is a short-term loan that requires the borrower to pledge their vehicle as collateral. The borrower must also have a clear title on the car to be eligible for this type of financing. The lender maintains possession of the title, but the borrower can still drive the vehicle throughout the duration of the loan. It is suitable for people who need instant cash for something urgent before their next income paycheck. 

There are upsides to obtaining car title loans, but the most apparent risk is losing ownership of your vehicle if you default. It is best that you consider other loan alternatives if you want to protect your assets. 

You can also look into car loans if you need money to finance new vehicles. These loans are ideal for people who want to ditch public transportation or upgrade their rig to fit new family members.

MONEYME can help you to get an auto car loan that comes with variable interest rates and fees. Our transparency enables you to manage your budget and cut unnecessary spending, and we are here to help whether you need a new car loan or a used car loan

It is also important to consider the duration of the car loan before you submit an application. The typical loan term for car loans is one to five years, and your choice should depend on your preference and financial capacity. A short-term loan carries higher monthly repayments, but you pay less interest in comparison to a long-term loan.

What are the benefits of car title loans?

The most significant benefit of car title loans is that they do not require you to have a good credit history since it is contingent on the value of the vehicle you pledge as collateral. That means you are likely eligible for this type of loan even if you don't have a perfect credit score. By contrast, the biggest drawback of car title loans is that they put you at risk of losing your vehicle if you fail to meet your repayment terms. It is best to consider other loan options that do not put your assets on the line. 

Your credit score is one of the first factors lenders consider when assessing your loan application. It reflects your ability to manage your finances and your diligence in honouring debt obligations. The higher your credit score, the better your chances of getting approval for a loan.

Your credit score is calculated using the information contained in your credit report – a document that details your credit history over a certain period. A negative mark is added to your report every time you default on a loan or have outstanding debt. These marks can drive your credit score down, but that does not mean you are not in a position to take out a loan. There are alternative lenders that look beyond your credit score to determine your eligibility for auto financing

How much can I get for a car title loan?

The amount of money you can borrow for a car title loan is dependent on the value of the vehicle and the amount of equity there is in it. You can theoretically borrow a maximum of $7,500 for a car that has a wholesale value of $15,000. That means the loan amount is tied to the value of your vehicle. 

MONEYME has a couple of alternative credit services for people in need of money right away:

Personal loan

We offer low-interest unsecured personal loans of up to $50,000. These loans do not require you to put up any of your properties as collateral to protect your financial interest. 

Freestyle virtual card

This virtual card gives you access to a revolving line of credit of up to $20,000. It works similar to conventional credit cards in the sense that you are given a set credit limit transferrable to your bank account on demand.

Traditional lending institutions like banks and credit unions are notorious for their slow loan processing. It can take around one to two days for a bank to approve a personal car loan. The waiting time can significantly be longer for customers with less-than-ideal credit scores since they are often required to submit additional documentation as proof of their financial capacity.

MONEYME addresses these inefficiencies through our entirely digital system. This solution enables you to complete the loan request process in minutes and receive the funds on the same day! We also have a convenient online dashboard that lets you manage your credit accounts and car payments in one interface. With our easy-to-use platform, you can get the advice and support you need to manage your finances effectively.

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Our customers

Car Title Loans

Transparent and
simple pricing

Interest rate

9.20 %
to 25.20 %

Comparison rate*

10.58 %
to 26.58 %

Establishment fee
(Direct applications)

$395 for loans between $5,000 and $15,000

$495 for loans between $15,001 and $50,000

Monthly fee


Loan terms

Minimum 3 years

Maximum 5 years

Early exit fees


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Won’t impact your credit score!
Won't impact your credit score!

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