Top 10 Online Title Loans (No Credit Checks, No Phone Calls)

It’s no secret that banks and traditional financial lenders are a bit risk-averse. They’re not at all excited about offering credit to folks without picture-perfect credit. Unfortunately, a good portion (up to 34% of Americans as reported by Fox Business) suffer from poor credit and they’re being left out in the cold when it comes time to acquire financing for an unexpected expense – at least until online title loans came along.

Giving everyone an equal opportunity to get quick financing, online title loans have become immensely popular in just the last few years and it’s easy to see why. Borrowers that never could qualify for a traditional loan can now borrow up to $50,000 almost overnight. However, the amount borrowers can finance is heavily dependent on the specific make, model, year, and condition of their vehicle.

Best of all, unlike a title pawn, borrowers do not have to surrender their collateral to creditors. They are able to keep their car and continue using it in the same way they did before the loan. Once the loan has been paid off, borrowers will receive their title back within a matter of days, sounds too good to be true right?

Of course, there are drawbacks to online title loans. There are always a few bad apples that are ready to take advantage of someone’s financial distress. In the case of title loans, there seem to be an abundance of loan sharks ready to charge you predatory rates. You’ll need to make sure you’re always moving forward with a reliable and reputable service, just to guarantee that your interest rates aren’t going to be sky-high, your repayment terms aren’t going to be outrageous, and your ability to take ownership of your vehicle back isn’t going to be a nightmare.

Below we rank the top 10 companies that offer title loans online using resources like TopLoanCompanies.com. Pick and choose from amongst these reputable lenders and you won’t have anything to worry about moving forward. Although the list is not in any specific order, we have chosen what we feel to be the best online title lender in the biz, continue reading below.

  1. Titlelo Title Loans

A newcomer to online title loans, Titlelo Title Loans is truly becoming disruptive. Everything about this company is refreshing, from their customer service to their acknowledgement that car title loans are risky. Think about this, how many companies do you know post unbiased information about the industry they are in? Not many. As quoted from of their blog posts, “Our mission is to enhance the transparency and affordability of title loans by tailoring each experience to the client’s needs and offering direct information about lenders, terms, and fees.”

Titlelo promises to make the title loan process as simple and as straightforward as possible. They offer a variety of loan products and use buzz words like “no credit checks”, “instant approval”, and “keep your vehicle” to ease the anxiety of poor-credit borrowers. Their website is easy to use and their online application process is simple and intuitive. However, make sure to give them a call once you submit your application, which seems to speed up the process to getting your loan.

Titlelo has earned our pick as the best company to apply for a car title loan online. We see a bright future ahead for these guys as they continue to establish themselves online and solidify strategic partnerships with lending giants like CLA (Community Loans of America), Finova Financial, and TMX Finance.

  1. Turbo Title Loans

One of the most favorably reviewed title loan operations out there, this company is based out of Chicago, Illinois and has built up a pretty solid reputation in the industry for fair dealings, quick payouts, friendly repayment terms, and an easy to use online application process.

Turbo Title Loans promises the lowest rates in the industry, car title loans completely online, and same-day funding that deposits the cash you are looking for into your bank account or your online payment processor within hours of your application being accepted. They also have a complete transparency process, guaranteeing you won’t get hit with any surprises or hidden fees.

  1. Embassy Loans

Embassy Loans is a title lender based out of the state of Florida. They have the distinction of being the number one lender in this state – and certainly one of the best organizations of this variety in the entirety of the southeastern US.

They have a sterling silver reputation online (and almost five-star rating on Google alone and one of the best Better Business Bureau rankings of all the online lenders out there), a quick and friendly online or in person application process, and the ability to get your cash almost immediately – in cash or deposited directly to your bank account within 24 hours (and usually within an hour or two).

  1. The Net Lender

Based out of California, with dozens and dozens of physical locations throughout the state, the Net Lender operation is owned by the Best RM Group, LLC and is one of the most respected auto title loan companies in the business today.

This is a company that’s been in business for a lot longer than most of the competition and for good reason – they offer a streamlined and simplified loan application process with guaranteed payouts within 24 hours of acceptance.

Known throughout the industry for offering some of the best rates and some of the best appraisals for vehicles (which gets more cash in your hand then you would get from competitors), this is certainly one of the top companies you’ll want to look into even if you can’t get to their physical locations in California.

  1. EZ Dinero

One of the few car title loan companies out there that offer a completely bilingual online platform (English and Spanish), EZ Dinero deserves its place in this top 10 list simply because of how simple and how straightforward they make the process of getting the cash you need by offering services in your native language.

The general application process for online car title loans are about as straightforward as it gets. The three-step application can be taken care of completely online, and you should receive an answer about your approval almost immediately – though those with a request for more than $5000 or so will usually have their application individually approved within 4 to 12 hours and certainly no later than 24 hours after your application has been submitted.

Payouts are lightning fast with the EZ Dinero service, depositing the money directly into your bank account (the bank account of your choice) and giving you the opportunity to continue to drive your vehicle the way you have been all along without any limitations whatsoever. Repayment terms are friendly, interest rates are more than except able, and there aren’t any hidden fees you have to worry about at all.

  1. TitleBucks

With more than 100 physical locations to visit in order to get your cash instantly after you are approved by the online application process (or the in person application process), TitleBucks makes it really simple and really straightforward to get your hands on the cash and capital you need in a hurry without any restriction and without any limitation.

Based out of the state of Virginia, but operating in numerous cities and states throughout the United States, you shouldn’t have any trouble whatsoever finding a TitleBucks location nearest you if you’d like to get your hands on cash immediately. For those that are comfortable with a digital deposit into their bank account, TitleBucks can fit your needs as well.

  1. TitleMax

One of the most reputable nontraditional lenders in the United States today, TitleMax is a privately owned operation with corporate offices in Dallas, Texas and Savannah, Georgia with more than 1100 locations throughout the United States.

Certainly one of the oldest title loan operations still in business today, this company first started doing business in 1998 and has rapidly expanded (primarily in the southern United States) to become one of the biggest, most trusted, and most influential of all the companies on this list.

Because they have been in business for so long, and because they have so many different locations, this company has been able to really nail down the “cash for car title” process better than maybe anyone else. You’ll find the application process (a simple, three-step process) to take no more than five minutes to move through – and you should receive an almost instantaneous approval for your loan.

No credit checks, no repayment history required, and no headache and hassle will be added to this process. You’ll have your money directly deposited into your bank account or available at any of those more than 1100 locations we mentioned above just as soon as you are approved from TitleMax.

  1. LoanMart

Far and away one of the largest title loan operations in business today, and certainly the largest of all the title loan organizations in California (doing more business in this state since 2002 than anyone else), 800 LoanMart is a reliable, reputable, and trustworthy organization that can be taken advantage of to put quick cash in your pocket with your vehicle being used up front as collateral.

With a 3.9 star rating out of 5 (with more than 200 votes counted) on Consumer Affairs, this is a company that isn’t going to bait and switch your loan agreement, isn’t going to give you pennies on the dollar for the value of your vehicle, and is going to play games when it comes time to sign on the dotted line and honor the agreement.

The application process is pretty quick, can be taken care of completely online or at any of the physical 800 LoanMart locations throughout the state of California, and has an almost 100% approval rating. The cash that you are approved for will be deposited directly into your bank account almost immediately upon approval, but can also be collected in person at any of the physical locations we highlighted above as well.

Larger loans (anything over $5000 or so) can take a little bit longer to approve, but are usually resolved within about two hours and certainly no later than 24 hours after your application has been processed. Cash and capital loans for titles can be approved for up to $15,000, though sometimes more can also be taken advantage of through the 800 LoanMart organization from time to time on a case-by-case basis.

  1. Ace Cash Express

Operating out of their corporate headquarters located in Irving, Texas, Ace Cash Express is certainly one of the biggest title loan operations in business today serving more than 24 different states in the US (as well as the district of Columbia) across a network of physical locations as well as a 100% online presence.

Ace Cash Express has been around since 1968 in a variety of different forms but always as a private lending operation. They dove headfirst into the world of auto title loans more than a decade ago and quickly established themselves as one of the best choices to move forward with for those looking for favorable interest rates, repayment terms, and quick access to cash and capital.

They not only offer title loans online, but also payday loan services, installment loan services, and a host of other private lending options and opportunities that many of the other top 10 online title loan services ranked on this list do not.

  1. Check into Cash

Formed in 1993 and based out of Cleveland, Tennessee, the Check into Cash company is a large, multistate private lender that offers title loan opportunities as well as payday loan solutions, installment loans, and a host of other private lending opportunities for those with less than picture-perfect credit – or no credit at all!

With more than 1100 different locations across 30 states (and operations in the district of Columbia), Check into Cash promises a quick and painless application process, nearly instant approval (and in almost 99% approval rate), as well as personalized loan officers solutions that most of the other top 10 creditors in this ranking cannot include.

This is one of the more restrictive title loan services out there, however. They offer loan amounts between $50 and $15,000 or so, though from time to time they will offer larger sums depending upon the specifics of that loan that is being applied for.

Closing Thoughts

At the end of the day, choosing any of the top 10 services highlighted above will put you in the best possible position to get your hands on the cash and capital you need without any worrying about being taken advantage of.

These companies of the very best of the best in the business and so long as you pay close attention to your loan terms and your interest rates you shouldn’t have anything holding you back from moving forward with an online title loan!

 

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