Lowest Interest Rate Car Title Loans

  • Fast and Easy
  • Your Car is your Credit
  • No Pre-set Limit
  • Completely Online 
  • Keep Driving your Car 

Best Title Loans

Looking for the best title loans with lower rates and lower payments? Title loans are a fast and easy way to use the equity in your vehicle to borrow cash when you need it most.  

We started Fast Title Lenders to provide a better and cheaper option than the typical car title lenders that charge very high rates by offering top title loans at the lowest interest rates available to us. 

If you’re looking for a better option for a fast cash title loan you are in the right place. A discount title loan may be a good solution if you have a vehicle with equity and an urgent financial need.

We offer fast title loans, with lower payments, in as little as 30 minutes, and for online title loans the same day. Why pay more for the same loan?

Fast Service

Fast Title Lenders knows that title loans are often used for unplanned expenses and emergencies. This makes them very time sensitive. 

Not everyone has a large savings account or available credit. Obtaining a title loan quickly is often a necessity. 

We specializes not only in lower rates and cheaper payments, but also fast service. By focusing on fast title loans this allows us to offer the best title loans quickly. 

Our easy process is streamlined and optimized to maximize efficiency and cut out wasted time and effort. This means less waiting.

This allows us to offer cheaper title loans, fast, in less than 30 minutes in many cases and fast approval for online title loans.

Lowest Interest Rates

Lowest Interest Rates

We started Fast Title Lenders to provide a better and lower cost option to the lenders that charge 15% - 25% per month interest. Our interest rates are much lower, allowing us to offer most customers cheaper title loans. This equals lower payments for the same loan. Why pay more?

Private Title Loans

Privacy Respected

Fast Title Lenders keeps your information safe and secure. Your credit score will not be affected when applying for a title loan. We value privacy and discretion. Privacy is at the top of our list. The best car title loan companies safeguard information.

Fast Title Loans

Fast Title Loans

Use the equity in your vehicle to get quick cash for emergencies, unplanned expenses, or any other reason. Our streamlined and optimized process means same day cash and 24 hour title loans in most cases. Speed is a key factor to providing the top car title loans.

Car Title Loan Benefits

As the top title loan company, we offer benefits that many lenders simply cannot match. Our optimized and streamlined title loan process, combined with the best rates, equal unparalleled services. Some benefits include:

  • Easy Instant Online Application
  • Real Time Estimate 24/7
  • Keep Driving your Car
  • Your Car is your Credit
  • No pre-payment penalty
  • No Hidden Fees

In addition to benefits, auto title loans also have costs. Even the best title loans can be expensive compared to some other loan types. With some lenders, these costs can be excessive. 

To determine if a car title loan is worth it, perform a simple cost benefit analysis and weigh the benefit of the loan versus the cost. 

With Fast Title Lenders finding the cost is easy. Simply use our title loan calculator to get a real time estimate. Your car is collateral for the loan, so credit history does not dictate the loan amount. Vehicle value does. 

Find The Best Title Lender​

Before jumping in to a title loan, we recommend spending some time learning about how title loans work, how interest is calculated, and the pros and cons related to auto title loans in general.  

This will help save you money and make sure you get a loan with more affordable payment.

Additionally, do a bit of research on the lender and find the best place to get a title loan. Location is important but not more important than cost. 

It is better to educate yourself on this topic before you sign a loan agreement. Rushing in to a loan is not advisable. This includes online title loans both with and without inspection. 

Finding a lender that is direct and upfront about their costs will give you a better idea of whether or not a car title loan is right for you. Understand the rates and terms of the loan before committing. 

All title loans have pros and cons, but overpaying should be avoided.  Finding a reputable car title loan company  with top-notch service and the lowest rates should be a priority. 

Finally, make sure you are a good candidate for a title loan. Car title loans are not the right choice for every situation. 

What makes the Best Title Loan Company?

There are plenty of companies claiming to be the best.  Fast Title Lenders has a proven history of providing our customers with the lowest available interest rates, convenient repayment methods, and no hidden fees. Avoid paying fees on top of high interest. Our requirements are clear and straightforward. 

The car title loan process is streamlined and optimized to provide fast cash with clear requirements. Multiple payment methods make repayment easier and more convenient. These benefits have helped make us the top title loan company and the best place to get a title loan. Additional factors include the lowest rates and a 24/7 quote and estimate.

The Lowest Rates Matter

Fast Title Lenders specializes in one kind of loan, car title loans. This allows us to provide the lowest interest rates resulting in cheaper payments for the same loan.  Our philosophy is simple and includes the following core principles:  

  1. Provide the lowest rates possible;
  2. The best customer service;
  3. A real time estimate; and
  4. Fast Online Approval.
 

This method works and helps our customers with a solution to their short term financial needs by providing fast title loans. Proceeds from a title loan can be used to cover any expense. 

Fast and Accurate Information

Fast Title Lenders believes every customer deserves an accurate car title loan estimate and quote. 

Some lenders will not provide a quote for one simple reason; the interest rate is very high and they know most consumers will not proceed. 

Others prefer to get the customer invested in the process and provide the costs at the last minute.  

There is no “qualifying” for our lowest rate. One of the benefits of a car title loan is no credit check; so all borrowers should be treated equally. 

Use our car title loan calculator to get a real time estimate now, with our lowest rate, and see if one is right for you. There is no obligation. Lower rates equal lower payments with no hidden fees.

Why Fast Title Lenders?

Fast Title Lenders has spent the last several years refining our process to improve and offer top quality services.  We listen to customers and incorporate their feedback to offer the following advantages:

1. Lower Interest Rate Title Loans

We keep our expenses low and pass that savings on to the customer; therefor ensuring we provide every customer with the cheapest title loan possible. We pioneered charging lower rates and our rates are hard to beat. Lower rates equal the best online car title loans.    

2. Straightforward and Direct

We are straightforward, direct, and upfront. Our philosophy involves providing our customers with the information they need to make an informed decision about proceeding with a discount title loan.  We provide a real time estimate with our title loan calculator. 

We give every customer the information they need to make an informed decision, even when that decision is not a title loan.  There are several top alternatives to car title loans that every customer should analyze before committing to any loan.

3. Reputable Title Loan Company

We care about our reputation and are committed to providing our customers with the solution that fits their needs. 

Our history of exceeding our customers’ expectations has earned us a spot at the top of the list of the best title loan companies. 

4. Fast Title Loans with No hidden fees

Fast title loans with no hidden fees of any kind. No loan origination fee and no pre-payment penalty. Most loans can be funded as soon as the same day within 24 hours and many within 30 minutes. 

Make sure you understand any and all fees associated with your title loan. The best title loan companies do not have pre-payment penalties. 

Frequent Questions

A lien free title is a title to a vehicle with no existing loans.  Typically, “No Liens” will be printed on the front of the title.  If you had a car loan (or car title loan) at one time and paid it; the lien may be listed on the front of the title stating it has been satisfied. It is still possible to proceed with a title loan if you are still making payments if you have enough equity in the vehicle. 

Generally, car title loans are limited to 50% of the vehicle’s fair market value.  This assumes you can afford the monthly payments.  If your vehicle is worth $6,000, generally you can borrow up to $3,000.  If your vehicle is worth $20,000, generally you can borrow up to $10,000.  Some states have maximum loan amounts. 

A vehicle’s fair market value is what the vehicle is worth today to a willing buyer.  There are several online tools to find an estimate of your vehicle value. Both Kelley Blue Book and NADA provide accurate estimates for most vehicles.  

Yes.  One of the biggest advantages of a title loan is you get to keep driving your vehicle. You continue to own and drive your vehicle during the repayment period just like any other car loan.

We tell all of our customers to contact us as soon as they know they are going to miss a payment.  If you miss a payment it is important to let your lender know as soon as possible. Come up with a plan to get back on track. 

Yes, as long as you let us, or your lender, know (and the buyer/dealer).  We have worked with many customers who traded their vehicle in before their loan was paid off.  Most lenders will work with you if you want to trade your car in as long as you let them know ahead of time.

Yes, car title loans online are now available in many states. The process is similar, except there is no need for a store visit. You can even get an online title loan with direct deposit the same day.   

Car title loans can range any where from 30 days to over a year. Recently some lenders have been offering longer term title loans. These can significantly increase the cost. Make sure to read our post on the real cost of car title loans before committing to a longer term title loan. 

One of the benefits of obtaining a car title loan is the loan amount is based on the vehicle value. This makes credit history less important than other loan types. You do not need excellent credit to get a title loan. In fact, bad credit title loans are common. 

It is possible to get a title loan without verifying your income. This means it is possible to get a title loan with no job. You should have some way of repaying the loan; even if it is with the vehicle itself. 

Title Lender Responsibilities

Part of being the best title loan company is ensuring we provide our customers with the right information. We have dedicated a large portion of our resources to doing just that. 

From providing detailed interest explanations, insights into how typical title loan companies operate, what makes a good title loan candidate, and a wide range of other information. 

It is our philosophy that an informed customer makes the best customer. When customers understand how title loans work and the associated costs they are more likely to be satisfied. We have found that customers generally appreciate transparency. 

A customer who understands the loan agreement, and more specifically, how much their loan will actually cost, is much more likely to result in a satisfied customer. 

Online Title Loans Options

Title loans have been a bit slow to catch up with technology for multiple reasons. Additionally, finding a direct lender with a good reputation can be a challenge. Title loans online are now available in many states.  

Simply inquire online to start the process.  There are many companies advertising “instant online title loans”. Title loans are fast and often same day, but they are not instant.

We provide the same benefits with our online options. Consider all factors before getting your next title loan including interest, fees, repayment methods, and lender reputation.

Additionally, online title loans with no inspection and no store visit are also available. These are a decent option for those without the ability to visit a lender or third party inspector. 

Vehicle Value

It is important to know the fair market value of your vehicle. The vehicle is the key factor in determining how much you can borrow, not your credit score.  If getting top dollar for your loan is important, then find out what your car is worth before filling out a loan application. 

A vehicle title loan is secured by your car, truck, motorcycle, or SUV. The value of your vehicle will absolutely affect the amount you can borrow. 

Have a classic or collector car? Classic car title loans are a popular option for car owners that do not want to part with a collector car.

A vehicle’s fair market value is what a willing buyer would pay for the vehicle today.  You can get an idea from one of the online valuation tools like NADA or Kelley Blue Book.

There are a wide range of factors that can affect the value of your vehicle. The most important are year, make, model, mileage, and condition. 

Additionally, vehicle history is important. A vehicle history report will identify any accidents, salvage history, fire or flood damage, and odometer discrepancies. 

Find out what your car is worth before you apply so you know what to expect. If you haven’t checked your vehicle’s value now may be a good time to do so.