Honest answers about title loans, vehicle requirements, and what to expect.
A car title loan (also called an auto title loan) is a secured loan where you use your vehicle's title as collateral. The lender places a lien on your title in exchange for a cash loan. You keep driving your car. Once the loan is repaid, the lien is removed and your clean title is returned.
Loan amounts depend on your vehicle's market value, year, make, model, and mileage. CashMax Title Loan connects borrowers with lenders offering up to $25,000. Most lenders offer between 25% and 50% of the vehicle's current market value.
No. You leave only the paper title as collateral — you keep your keys and continue driving your vehicle throughout the entire loan term.
Yes. Because title loans are secured by your vehicle's value, credit score is not the primary qualification factor. Many borrowers with poor credit history, collections, or prior bankruptcy qualify. Your vehicle's value and your ability to repay are what lenders focus on.
Most cars, trucks, SUVs, vans, and motorcycles qualify if they are fully paid off (or nearly paid off, with significant equity). The vehicle must typically be in your name and have a clean title. Lenders assess the vehicle's current market value.
Many lenders fund the same day or next business day once your vehicle is reviewed and you are approved. Speed depends on the lender and when you apply.
Repayment terms vary by lender and state. Some title loans are structured as single-payment balloon loans; others are installment loans paid over several months. Your specialist will explain your exact repayment schedule before you agree to anything.
No. CashMax Title Loan is a lead generation service. We connect borrowers with a network of licensed title lenders. We do not make lending decisions or set loan terms. You will deal directly with the lender who contacts you.
If you cannot repay, contact your lender immediately. Many lenders offer extensions or payment plans. If a loan goes into default, the lender has the right to repossess your vehicle. Always understand the repossession policy before signing any title loan agreement.
Submitting your inquiry through CashMax Title Loan does not affect your credit score. Individual lenders may perform a soft or hard credit inquiry when you formally apply — they will disclose this before you agree to any loan.
CashMax Title Loan currently serves borrowers in Texas, Florida, Ohio, Indiana, and Tennessee. Title loan regulations vary significantly by state. Some states prohibit title loans or have strict rate caps.
Generally: a vehicle title in your name (lien-free or with significant equity), a valid government-issued photo ID, proof of residence, proof of income or ability to repay, and a working phone and email address. Requirements vary by lender.
Possibly. Some lenders will consider vehicles with an existing lien if there is sufficient equity. This is evaluated case by case. Disclose any outstanding auto loan when you apply so the lender can assess your equity position.
Yes. CashMax Title Loan uses 256-bit SSL encryption on all pages. Your information is shared only with lending partners to match you with a title loan offer, and is never sold to unrelated third-party marketers.
Title loan APRs vary widely by state and lender. Because title loans can have short terms with significant fees, the APR can be very high. Always review the full APR and fee disclosure before signing. If you need financial guidance, contact the National Foundation for Credit Counseling at 1-800-388-2227 or nfcc.org.