Lowest Interest Rate Car Title Loans

  • Fast and Easy
  • Your Car is your Credit
  • No Pre-set Limit
  • 100% Online 
  • Keep Driving your Car 

Best Car Title Loans

Car Title loans are a fast and easy way to turn the equity in your vehicle into 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 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 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

We understand title loans are often used for unplanned expenses and emergencies. This makes them usually very time sensitive. Not everyone has a large savings account or available credit. This makes obtaining a loan quickly a necessity. 

Fast Title Lenders specializes not only in lower rates and cheaper payments, but also fast service. By focusing on fast car title loans this allows us to offer the top loans at lower interest rates. 

Our easy process is streamlined and optimized to maximize efficiency and cut out wasted time and effort. This allows us to offer 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 and lower cost option to the typical title lenders that charge 15% - 25% per month interest. Our interest rates are much lower, allowing us to offer most customers cheaper title loans at lower rates. This equals lower payments for the same loan. Why pay more?

Private and Discreet

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. The best car title loan companies safeguard information.

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 and optimized process means same day cash in most cases. Speed is a key factor to providing the top car title loans.

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, how interest works, 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. Even the best title loans can be 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 more?  Tired of paying triple digit interest rates on top of fees?  

We can help by providing a discount car title loan with cheaper and more affordable payments at low competitive interest rates.  

We understand that paying more than twice what you borrowed is not reasonable and in many cases not possible. 

Unlike other lenders that charge very high (200+% APR) rates, our rates are as low as 8% per month (96% APR). This makes 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 top title loan company, we offer benefits that many lenders cannot match. Some benefits include:

  • Easy Online Application
  • Real Time Estimate
  • Keep Driving your Car
  • Your Car is your Credit

In addition to benefits, auto title loans also have costs. Even the best auto title loans are expensive compared to other moan types. With some lenders, these costs 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 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. 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. 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 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. 

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;
  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 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. 

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.

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 a clear agreement. Multiple payment methods make repayment convenient. These benefits have helped make us the top title loan company and the best place to get a title loan.

Why choose us?

Fast Title Lenders has spent the last several years refining our business model to improve our process and offer top quality services.  We listen to customers and 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 rate is hard to beat. Lower rates equal the best auto 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 and many within 30 minutes. Make sure you understand any and all fees associated with your title loan. The best 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. Find out more about car title loans online and decide if one is right for your situation.  

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 accurate and up to date 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 loans work and the associated costs they are more likely to be satisfied. We have found that customers 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. 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. 

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 main 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 total costs. The calculator shows the cost breakout of interest over the complete loan term. 

How we speed up title loans

Faster is Better

Faster is better, but faster and cheaper is best. Our process is completely streamlined to quickly and efficiently help customers get the quick cash they need.  

We are not only one of the top title loan companies, we are also one of the fastest without cutting corners. 

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 everything ready before applying. 

Direct Lender

Once you decide you are a good candidate, there is still an important decision to make: the direct title lender. This is also true for online title loans.

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 they work. 

A direct lender is 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 with clear terms. 

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 You?

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 fast and low cost options.

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? The best place to get a title loan may not be the closest. It is the lender that offers a discount with cheaper and more affordable payments.

Additionally, now that online car title loans are an option, location is not as important to convenience. You may be able to get a better rate on your loan from a lender that is not necessarily the closest. 

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. This can get confusing.  These loans are very similar to title loans. 

They are secured by the vehicle and 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. 

The title loan process makes getting a title loan fairly easy, especially when compared to other loans.  The online title loan process is similar. Instant online title loans are a fast way to get a loan 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. Proof of income, for example, is usually a requirement. It is still possible to get a title loan without income verification

Having your documentation in order when applying for a title loan will help make sure the process goes smoothly 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 to make sure the information in your history is accurate. Mistakes on credit reports can significantly reduce your credit score. 

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.

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.

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, top alternatives, and other useful information. Recent additions include:

How to get the Best Online Title Loan – five keys to finding the best deal on a title loan funded completely online. 

What Title Loans Really Cost – article detailing the true cost of car title loans with several examples. 

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).

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

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).

Title Loan Pros and Cons – a list of advantages as well as disadvantages related to getting this type of loan.