Lowest Interest Rate Car Title Loans

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

Best Car Title Loans

Car Title loans are the fastest and easiest way to turn the equity in your vehicle into cash when you need it most.  We started Fast Title Lenders to provide a much better and cheaper option than the typical car title lenders that charge very high rates by providing the best title loans at lower interest rates. 

If you’re looking for a better option for a fast cash title loan, and have a vehicle with equity, a discount title loan may be a good solution. We provide fast title loans, with lower payments, in as little as 30 minutes. Why pay more for the same loan?

Fast Service

We understand title loans are a necessity for unplanned expenses and emergencies and are usually time sensitive.  Not everyone has a large savings account or available credit. Fast Title Lenders specializes in car title loans providing fast cash at the lowest interest rates. Our services give fast title loans to customers with a clean, lien free vehicle title. 

Our easy process is streamlined and optimized to maximize efficiency and cut out wasted time and effort. This allows us to provide cheap title loans, fast, in less than 30 minutes in many cases.

Lowest Interest Rates

Lowest Interest Rates

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

Private and Discrete

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. Fast Title Lenders respects our customers' privacy and keeps all information secure.

Fast Title Loans

Fast Title Loans

A title loan is one of the fastest and easiest ways to get cash using the equity in your vehicle. Get quick cash for emergencies, unplanned expenses, or any other reason. Our streamlined process means same day cash in most cases.

Why Car Title Loans?

When you need cash quickly, with no credit check or lengthy loan process, a car title loan may be right for you. They can be a lifeline for those who own their vehicle and are in need of short term funding. 

It is, however, important to understand how car title loans work, interest, and how different lenders operate.  We provide that information throughout our site.  

Car Title loans are short term solutions and are not the answer for everyone. Title loans are expensive and they become more expensive as the loan term increases; the graphs shown here highlight what happens when you try to make a title loan a long term loan (they get very expensive).  

Discount Auto Title Loans

Looking for a title loan but don’t want to pay back more than double what you borrowed, or even worse, triple?  Tired of paying triple digit interest rates?  We can help by providing a discount car title loan with a competitive interest rate.  

We understand that paying more than twice what you borrowed is not reasonable and in many cases not possible. In many cases title loan costs can be unreasonable. 

Unlike other lenders that charge very high (200+% APR) rates, our rates are as low as 8% per month (96% APR) making our title loans more affordable for everyone with equity in their vehicle and a need for quick cash for an urgent expense.  

Car Title Loan Benefits

As the best title loan company, we offer benefits that many lenders cannot match. We provide the best title loans with benefits including:

  • Easy Online Application
  • Real Time Estimate
  • Keep Driving your Car
  • Pay Online or by Phone

In addition to benefits, vehicle title loans also have costs. With some lenders, these can be significant. 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 quote and estimate. 

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. It is better to educate yourself on this topic before you sign a loan agreement. Rushing in to a loan is not advisable. 

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. 

All title loans have pros and cons, but overpaying should be avoided.  Finding a reputable car title loan company should be a priority. Additionally, make sure you are a good candidate for a title loan. Car title loans are not the right choice for every situation. 

Best Rate Car Title Loans

Fast Title Lenders specializes in one kind of loan, Car Title Loans, which allows us to provide the lowest interest rates resulting in cheaper payments.  Our philosophy is simple (and different from most lenders) and includes the following core principles:  

  1. Provide the lowest rates possible;
  2. The best customer service;
  3. A real time accurate estimate;
  4. Easy payment options, and
  5. Fast online approval.

This method works and helps our customers with a solution to their short term financial needs by providing fast title loans. Use the cash for emergencies, unplanned expenses, or any other reason. 

Get an Accurate Quote

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

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

There is no “qualifying” for our best rate. Honestly, we don’t understand why lenders would make you “qualify” for their best rate. One of the benefits of a car title loan is no credit check; so all borrowers should be treated equally. 

Get a real time estimate now, with our best rate, and see if one is right for you. There is no obligation. Our lowest interest rate title loans equal lower payments with no hidden fees; meaning the best title loans period.

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 interest rates, convenient repayment methods, and no hidden fees: meaning the best title loans. Our requirements are clear and straightforward. Our Loan Process is streamlined and optimized to provide fast cash with a clear agreement. We offer multiple payment methods that make repayment convenient. These benefits have helped make us the best title loan company and the place to get a title loan

Why choose us

Fast Title Lenders has spent the last several years refining our business model to become the best title loan company with the best title loans.  We listen to our customers and have incorporated their feedback to offer the following advantages:

1. Low 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 8% per month rate is hard to beat.   

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.  

3. Reputable Title Loan Company

We care about our reputation and are committed to providing our customers with the solution that best fits their needs. Our history of exceeding our customers’ expectations has earned us a spot on the list of the best title loan companies and we are proud to be a reputable title loan company. 

4. Fast Title Loans with No hidden fees

Fast title loans with no hidden fees of any kind; no loan origination fee, no pre-payment penalty. Most loans can be funded as soon as the same day and many within 30 minutes. Make sure you understand any fees associated with your title loan, whether you go with Fast Title Lenders or another title loan company. 

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.  

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 $80,000, generally you can borrow up to $40,000.  

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.

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 us know and get back on track as soon as possible.

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.

Title Lender Responsibilities

Part of being the Best Title Loan Company is ensuring we provide our customers with accurate and up to date information about car title loans. 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 loans work and the associated costs they are more likely to be satisfied, and generally appreciate the transparency we provide. 

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 Car Title Loans Options

Car 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. Car 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 that result in the best online title loans. Consider all factors before getting your next title loan including interest, fees, and lender reputation.

Discount title loans

Car Title Loan Costs

Car title loan costs are one of the most, if not the most, important factors for the customer.  These costs can quickly add up. One of the reasons title loans have a negative stigma is because of the very high rates many lenders charge.  See what happens when you try to make a car title loan a long term loan.

Our discount title loans help make payments more affordable. We developed our Title Loan Calculator to provide every customer with an accurate title loan estimate and quote with the full details about the cost of a car title loan. 

Fast Cash title loans

Faster is Better

Faster is better, but faster and cheaper is best. Our process is completely streamlined to quickly and efficiently get our customers the quick cash they need.  We are not only one of the best title loan companies, we are also one of the fastest without cutting corners. 

We provide same day cash, in many cases in about 30 minutes. Want to make sure your title loan goes smoothly?  A tip to make sure your loan is completed fast is to make sure you meet the title loan requirements before inquiring.  Collect your required documents and information and have it ready. 

Is a Car Title Loan Right for you?

Despite what some lenders would have you believe; car title loans are not the answer to everyone’s financial problems. One of the reasons Fast Title Lenders is considered the best place to get a title loan is because we tell people when a vehicle title loan is not the right choice.  There are criteria that borrowers should meet to be considered good candidates. We cover these in detail in our post on how to get a title loan. Before moving forward with a car title loan make sure it will improve your financial situation. Even the best title loans can be expensive, especially when compared to other loans. 

Are Title Loans worth it

For some, car title loans are a lifeline to get through the most difficult times. For others, they can become the cause of a seemingly endless debt cycle. To decide, you need to weigh the costs of a title loan versus the benefits.  We discuss several example cost benefit analyses when providing an answer to whether or not title loans are worth it.  We prefer customers benefits from a car title loan far outweigh the costs. 

This makes the decision to move forward with a title loan a very important one that can make a significant difference in your financial future. To find out if you are a good candidate, or should seek an alternative, read our complete guide on how to get a title loan. The guide goes over everything you need to know about vehicle title loans including online car title loans.

Direct Lender

Once you decide you are a good candidate, there is still an important decision to make: the direct title lender. The choice of direct lender can make a big difference. It can lead to a positive experience that improves your financial situation; or a very high interest loan that is nearly impossible to repay. 

These loans (very high interest), from the least advisable lenders, can complicate your financial situation for years to come. Ironically, the loan that was supposed to be the solution to your short term problems, results in more long term problems. Before getting a car title loan make sure to learn how car title loans work

The best title loan option may be from a direct online lender if you are looking for online title loans direct lenders.  A direct lender is also a good choice for an in person title loan. This is not the only criteria, you will want to find a lender that charges competitive rates, no hidden fees, and offers a contract that is clear. Make sure you can easily repay the loan. We detail this process in our article about how to get the best deal on a title loan

Title Loans Near Me

Many potential title loan customers search for “title loans near me.” While finding the closest title lender is tempting to save time; it is much more important to find the lender with the lowest rates and the best title loans.

Unlike a product or service, a title loan results in cash. The cash received from one lender is no different than the cash from another lender. The difference is the interest rate and the repayment terms; in other words how much the loan will actually cost you.

Finding title loans near you maybe convenient, but why would you pay more for the exact same thing?

Title Loan Names

In some states title loans are called title pawns, pink slip loans, registration loans, vehicle title loans, auto title loans, among others. These loans are very similar to title loans. They are both secured by the vehicle and both allow you to continue to use and drive the vehicle during the loan term. Whether the loan is called a title pawn, auto title loan, car title loan, or pink slip loan, make sure to read the agreement before signing. 

Fast Title Loan Process

We spent several years streamlining the process and incorporating process improvements to make it more user friendly. Our Title loan process makes getting a title loan fairly easy, especially when compared to other loans.  Car title Loans online also follows a similar process without the need for a store visit.

Car Title Loan Requirements

Before applying for a title loan or title pawn you will want to make sure you both understand the title loans requirements and are able to meet them. We provide a detailed explanation of these requirements along with explanations about why certain requirements are necessary. Having your documentation in order when applying for a title loan will help make sure the process goes smooth and your loan is funded without unnecessary delays. 

Credit Requirements

With a car title loan your car is your credit. This means your credit score is not factored in to the loan decision and a no credit check title loan is easy to get. If you have not checked your credit, it is a good idea to do so regularly. Get a free credit report. 

Vehicle Value Information:

It is important to know the fair market value of your vehicle; this is the key factor in determining how much you can borrow.  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.

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 really 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.

Additionally, title loans can be for other vehicles. These include: Classic Cars, Luxury Cars, Trucks, and Motorcycles. These loans all work the same as car title loans. 

Recent Posts:

As a commitment to providing accurate information related to car title loans, we regularly publish articles on related topics. This includes how they work, costs, risks, and other useful information. Recent additions include:

How to get a Title Loan without the Car – A few ways to get a title loan without the vehicle.

Will a Title Loan affect my Credit? – Details on how a title loan will affect your credit and credit score.

Are Title Loans worth it – how to perform an objective analysis to determine if a title loan is worth it (the answer is not always yes or no).

How Online Title Loans Work – a detailed guide to how online title loans work based on real information (not outdated figures)

Title Loan Myths and Facts – an article debunking some of the common myths related to title loans.

Car Title Loan Costs – The costs associated with title loans including how they are calculated and what drives them.

Online Title Loans – Risks – Risks and benefits associated with online title loans.

How Car Title Loans Work – a discussion of how title loans work, including both single payment loans and monthly term loans.

Title Loan Alternatives – a real list of title loan alternatives that actually exist (not a credit card cash advance).