Title Loan Requirements


 Key Takeaways

  • Here are a few things to keep in mind:

    • Car title loans are secured loans that use your vehicle as collateral.
    • Be sure to bring along proof of identity, as well as proof that you own your vehicle and have some form of income.
    • Title loans are simpler to secure than most traditional banks loans – so they’re the perfect solution when unexpected financial emergencies occur! Whether you need help paying your mortgage or your medical bills, title loans offer fast cash in your time of need.


• Fast Cash Today • Any Car, Any Year • High Approval Rates • Past Bankruptcies & Bad Credit OK • You Can Keep Driving Your Car •


Your Vehicle

Bring in the vehicle associated with your title and one of our representatives will appraise it.

Proof of Registration

Your vehicle’s registration should be up-to-date and for the vehicle you are requesting a loan or pawn on.

Your Vehicle's Title

This is the most important item on the list! Make sure your vehicle’s title is currently lien-free. Remember, your title is your collateral.

Proof of Residence

Proof of residence can include a recent utility bill in your name that is addressed to your current residence, such as a water, cable or electric bill.

Proof of Insurance

Your vehicle’s proof of auto insurance should be current and for the vehicle you are requesting a loan or pawn on.

Government Issued I.D.

A driver’s license, passport, State I.D. or other government-issued document that proves your identity can be used.

Proof of Income

A recent pay stub can be used to verify your employment and income.

Extra Key to your Vehicle

Bring us the spare key to your vehicle so we can keep it on file.

apply for car title loan, title loan requirements


  • The Car Itself
  • The Car’s Title
  • Proof of Ownership of the Car
  • The Car’s Value


The Car Itself

While a title loan allows you to continue driving your vehicle, we need to perform a quick inspection to appraise its value. Don’t worry, you’ll leave with your vehicle – and fast cash! 


The Car Title

Because it serves as collateral for your loan, your vehicle’s lien-free title is key. But if you can’t find it, we can help hunt it down! Speak with an Auto Money Loan Officer directly to learn more. 


Proof of Ownership of the Car

You’ll also need to prove that you own the vehicle before completing the title loan application process. Once you’ve provided proof of ownership, you’ll be one step closer to securing up to $20,000* for a car loan!


The Car’s Value

Keep in mind that you cannot borrow more than your car is worth, so we’ll need to assess its value. Our team will consider the vehicle’s age, make, model, current condition, mileage, and more. If your car appraises for less than what you currently owe another lender, you may not be eligible for a title loan. 


More Questions? Click Here for More on How Title Loans Work?


• Fast Cash Today • Any Car, Any Year • High Approval Rates • Past Bankruptcies & Bad Credit OK • You Can Keep Driving Your Car •



Is a good credit score required to get approval for a title loan?

No, your credit score is not a factor in our underwriting process.

While traditional bank loans use your credit score to qualify you for a loan, Auto Money uses your vehicle’s title as collateral instead. Even customers with bad credit can receive approval for title loans – and quick cash when they need it most!

What type of vehicles are eligible for car title loan?
You can get cash for your title on many different types of vehicles including cars, trucks, motorcycles and more. For non-typical vehicles, it can be dependent on the location. If you are unsure if your vehicle is eligible, just head over to our Store Locator page and call your local Auto Money office for more information.
Do I have to be employed to get a title loan?

You do not necessarily need a current job to be eligible for a title loan, but you will need to prove that you have a steady form of income.

This provides an assurance that you will be able to pay off the loan and receive your free and clear.

How and when do I get my car title returned to me?
When you receive your title loan or title pawn, we keep your vehicle’s title as collateral for the money you borrow. After you’ve paid in full, be sure to contact one of our specialists to learn more about how the lien will be released from your title.
How fast can I get cash at Auto Money?
Getting the cash you need from Auto Money is fast and easy. You may have a check in your hand in less than an hour. In order to make the process even faster, make sure you have everything required on the “What should I bring?” list under our How it Works section.
Are there any additional fees for a title loan?

At Auto Money, we comply with all legal requirements to offer secured title loans – and this includes transparency with any costs related to your title loan.

To learn more about our terms and conditions, rates, and fees, contact your dedicated Auto Money Loan Officer.

Can a title loan impact my credit score?

A title loan won’t impact your credit score – positively or negatively. 

Where do I make a payment on my car title loan?
When it’s time to make a payment, you have a few options. You can make your payment at the location where you received your title loan or title pawn using cash, debit or money order. Or you can mail in your money order to that location. All of your payment options will be explained in detail by one of our associates.
How much cash can I get for my title?

Up to $20,000* cash! The amount of your title loan or title pawn is based off the value and condition of your vehicle as well as how much you want to borrow.

Why choose Auto Money?
Simple. Because we care about our customers. We understand that unexpected situations arise that require cash in a hurry – and they don’t always coincide with your payday! At Auto Money, everyday can be a payday! We get you the cash you need fast so you can pay bills, home repairs, auto repairs or whatever else life throws at you. You get the most cash for your title and you keep your car. Plus, you’re instantly approved, regardless of your credit!


If you have a title loan or title pawn with another company, Auto Money may pay it off at a lower interest rate!



Ashley W.

Amazing customer service and very sweet employees. They helped me through the process for the first time and was able to get me as much as they could so great full to them.

Lakisha S.

I came in asking for a certain amount & they met that price. Very nice, very professional. Even gave my children a snack. Highly recommend them. 

Shannon B.

Great service! Appreciate Amanda for all her help!

Zackary L.

Great crew, great people. Wish I could give 10 stars!

Donte H.

I came in when the store was about to close, but the ladies at the store stayed after their shift and assisted us with such kindness. They were very courteous. Please go see them at the north main location.

Brittney A.

Amazing customer service. Made me feel right at home. Easy to communicate with and Shaina is the BEST and QUICKEST to go to. In and out in about 45 mins.

Stanton M.

Good people to do business with.


Shatasia S.

Only place I will ever come and get a title loan. Quick, Easy and Honest.


• Fast Cash Today • Any Car, Any Year • High Approval Rates • Past Bankruptcies & Bad Credit OK • You Can Keep Driving Your Car •

Title Loans in South Carolina

A title loan is a quick and easy way to get the cash you need, using your vehicle’s title for collateral instead of your credit score. The amount will be determined by our expert appraisers. Auto Money offers competitive interest rates and gives you the most money for your title with instant approval. And the best part is, you get to keep driving your vehicle!

SC Consumer Loans: Your Rights and Responsibilities

Disclaimer: This is a high interest loan. You should go to another source if you have the ability to borrow at a lower rate of interest. You are placing your vehicle at risk if you default on this loan.

Title Pawns in Georgia

A title pawn is a quick and easy way to get the cash you need, using your vehicle’s title as collateral towards borrowing money. At our Georgia Auto Money stores, you have 30 days to repay the title pawn. If you are unable to pay off the balance within 30 days, Auto Money’s professional and courteous staff is available to discuss repayment options with you.

Title Loans in North Carolina

Disclaimer: At Auto Money, we uphold all federal and state laws related to Title Loans. Title loan transactions are prohibited within the state of North Carolina.

Disclosure: This website is a solicitation for an auto title loan or pawn. This solicitation is not a unilateral contract or a guaranteed offer. All title loans and title pawns and the amount of the title loans or title pawns are subject to Auto Money’s approval that is contingent on several underwriting factors such as a completed loan or pawn application, your employment status, monthly income, and a vehicle evaluation.

* $20,000 instant approval loan or pawn amount is the maximum an applicant can receive. Actual amount of title loan or title pawn is subject to vehicle appraisal by an Auto Money employee and a complete application is required to be submitted and approved in-person by the party requesting a title loan or title pawn. Certain limitations apply. All title loans or title pawns issued by Auto Money are subject to the customer’s ability to repay the title loan or title pawn.

** www.automoneytitle.com is not an online lender. Applications are not processed or approved online. Personal information other than resumes that you submit to this website is an inquiry to receive more information regarding a title loan or title pawn from Auto Money. Any information you submit to this website will be forwarded to the Auto Money office closest to the ZIP code you have provided for the purposes of contacting you about a title loan or title pawn. Once your information is received and processed, you will be contacted by an Auto Money representative. Submitting your application is an agreement to be contacted by a member of our staff.

To see more of our Terms & Conditions, click here. For any further details, speak with us directly in-store.