Frequently Asked Questions

How much can I borrow?

In California, we can lend from $2,600 to $50,000 on our Auto Title Loan program.

In Illinois, the amount is from $1,000 to $4,000.

In Wisconsin and Missouri, we can lend from $1,000 to $10,000.

The amount we lend is based on your vehicle’s actual wholesale value. Some of the things that define that value include the year, make, model and trim level of your vehicle, and its mileage and condition.

Can I continue driving my vehicle while my loan is in force?

Yes, absolutely. Get the cash—keep the car!

Do I have to be a resident of one of the states you operate in? (CA, IL, WI, MO)

Yes

Is there a prepayment penalty if I decide to pay off early?

No—You can pay off your loan any time, with never a prepayment penalty.

Is there a balloon payment at the end of the loan?

No—our Auto Title Loan is a true installment loan, where principal and interest are applied with each payment when you make your affordable monthly payments on time.

Do I have to have good credit to get a loan?

No. Everyone is welcome. We lend to people with credit problems every day. We can help you re-establish your credit standing by making your affordable payments on time.

Do I need to be currently employed?

No—if you’re retired or otherwise receiving income from Social Security, a pension or other program, we can lend to you.

What if my auto title is in the name of both me and my spouse?

No problem. Both names will appear on the loan.

Does my vehicle have to be insured?

Yes. We’ll need to be sure the vehicle we’re securing the loan with is insured.