How Does It Work?
At Speedy Title Loans, we have streamlined the title loan process to ensure you can access the funds you need as quickly and conveniently as possible. Whether you apply online or by calling us at (888) 302-4994, our goal is to get cash in your hand in under 24 hours. Below is a detailed breakdown of how the process works from start to finish.
Step 1: Submit Your Application
Getting started is simple. Use the free estimate form on our website to provide some basic information about your vehicle, including the year, make, model, mileage, and your zip code. The form takes less than two minutes to complete. You can also call us directly at (888) 302-4994 to speak with a loan specialist who can walk you through the process over the phone. There is no obligation when you request a free estimate, and submitting your information does not affect your credit score.
Step 2: Get Your Vehicle Qualified
Once we receive your application, our team will verify the information you provided and assess your vehicle’s value. We use current market data to determine how much your car or motorcycle is worth, which directly influences the loan amount you may qualify for. Newer vehicles in good condition with lower mileage typically have a higher chance of being approved for a larger loan amount. You can borrow up to $50,000 depending on your vehicle’s equity.
Step 3: Send Your Supporting Documents
After your vehicle has been qualified, you will need to submit a few supporting documents to finalize your application. These typically include your government-issued photo ID or driver’s license, your vehicle’s lien-free title in your name, proof of insurance and registration, and proof of income showing at least $1,500 per month. Our team will let you know exactly which documents are required and guide you through the submission process. In many cases, you can send everything electronically without visiting a store.
Step 4: Receive Your Cash
Once your documents are reviewed and your loan is approved, you can receive your funds via cash, check, or direct deposit. The entire funding process typically takes about one hour from the time of approval. Best of all, you keep driving your vehicle throughout the life of the loan. Once you have made your final payment, your title is returned to you free and clear.
Why Choose Speedy Title Loans?
Our process is designed with your convenience in mind. We offer competitive interest rates, flexible repayment terms, and a fast approval process that can have you funded within the same day. Bad credit is not a barrier — we work with borrowers of all credit backgrounds. With over 100 convenient locations nationwide and the ability to apply entirely online, Speedy Title Loans makes it easy to get the financial help you need when you need it most.
Ready to get started? Request your free estimate today or call us at (888) 302-4994 for instant approval.
Disclosure and Example of Title Loan Rate & Fees
Loan approval is subject to meeting the lender's credit criteria, which may include providing acceptable property as collateral. Actual loan amount, term, and Annual Percentage Rate of the loan that a consumer qualifies for may vary by consumer. Repayment terms are greater than 90 days and up to 36 months. Loan proceeds are intended primarily for personal, family and household purposes. Minimum loan amounts vary by state. Consumers need to demonstrate ability to repay the loan.
The following chart contains examples that illustrate the cost of a loan to the borrower. It is for informational purposes only to show how APR works.
Please let us know if you have any questions or queries. We are happy to answer all questions and provide any additional information that you may need. Our process is completely transparent, ensuring that you are able to make an informed decision.
Not all consumers will qualify for the representative examples below. Final rates, terms, and fees may vary by lender. If you are offered a loan, you will have the opportunity to review the final offer before accepting. Providing your information on this website does not guarantee approval for a product offering. There is no charge to use this website. Speedy Title Loans may receive compensation from lenders and advertisers in certain circumstances.
| Number of Months | Annual Percentage Rate (APR) | Finance Charge | Amount Financed | Minimum Monthly Payment | Total of Payments |
|---|---|---|---|---|---|
| 12 (minimum) | 35.9056% | $535.44 | $2,615.00 | $256.60 | $3,150.44 |
| 24 | 35.9047% | $1,086.68 | $2,615.00 | $151.24 | $3,520.80 |
| 36 (maximum) | 35.952% | $1,692.37 | $2,615.00 | $117.70 | $4,307.37 |
Disclaimers
- There are no penalties for making additional payments or prepayment.
- APR is calculated based on all installment periods being of equal length.
- Additional fees: Lien fee of $15.00 is financed. Prepaid Documentation Fee is $75.00 for loans up to $4,999 or 5% for loans $5,000 or more.
- Speedy Car Title Loans utilizes the FICO scoring method when credit score is a factor in determining customer credit worthiness.