Instant Online Title Loans

The concept of a title loan that you can get instantly, online, sounds interesting and tempting. Fill out a form online and have money in your bank account instantaneously; sound great, right? But, however, in practice an “instant online title loan” is really just another name for a fast loan.

Instant Title Loans Online are fast.
Instant Online Title Loans are Fast, but not funded instantly. No Title Loan is.

Title loans do fund very fast compared to other loan types, assuming the lender specializes in fast title loans. However, they still do require some time to process and fund. There is no title loan that is immediate.

Title Loans also have fewer underwriting requirements when compared to other loan types. Fast Title Lenders specializes in fast title loans at the lowest interest rates. Our focus is on making the process fast and easy to help ensure customers get the cash they need as fast as possible.

Our simple and streamlined online car title loan process helps ensure you get the emergency cash you need as quickly as possible; usually the same day.

Car Title Loans Online with Instant Approval

As discussed in a previous post about online title loans, there are several types including both with and without inspection and with and without a store visit.

Unfortunately, none of these are “instant”. In fact, some can take longer, in some cases significantly longer, to fund, than a direct title loan from a lender with a brick and mortar location.

Make sure to check with your lender if funding time is important to you. While customers can usually get approved for a title loan quickly, this does not always mean the loan will be funded fast.

This post briefly discusses online title loans, how they work, requirements, and overall funding time-frames. For the purposes of discussion, we use the term “instant online title loan” to describe a fast online title loan.

What is an Instant Online Title Loan?

Instant online title loans are simply fast online title loans. Title lenders aren’t exactly known for directness when advertising, so it is not surprising that there are plenty of sites advertising these loans.

Just remember to check with your lender if you have an immediate need for cash. We follow a streamlined and optimized title loan process that cuts down on funding times and are often same day.

Considering no car title loan is immediate, the better question is, what is an online title loan?

What is an Online Title Loan?

Fast Online title loans with blue background
Online Title Loans can be completed without a store visit.

Online title loans are ways to get fast cash for unexpected expenses using the equity in your vehicle as collateral. They are very similar to storefront title loans except the borrower completes the process electronically instead of in person.

It can be challenging to find accurate and complete information about how title loans work from online sources. Make sure to read information from multiple sources. Outdated, biased, or incomplete information still is prevalent.

One non-biased source is the FTC, that is a good start. Additionally, Fast Title Lenders, in keeping with our commitment to honesty and transparency, has published numerous articles to provide information related to title loans.

We do our best to provide up to date information. This includes important information such as how to calculate interest and how to save on your next title loan.

Back to online title loans – they are very similar to traditional title loans only part, or all, of the process is completed online. However, depending on the lender, the portion of the loan completed online can range from just the application to the full funding and servicing of the loan.

As with any other loan, there are benefits and risks associated with online title loans. If you are considering one, always make sure the benefits outweigh the risks.

Types of Online Title Loans:

There are several different types of online title loans. They are similar to each other, but with some small differences in the name and process. Generally, lenders use the following definitions:

Completely Online Title Loans with no Inspection

A completely online title loan with no inspection is as it sounds. There is no physical vehicle inspection. The lender assesses the vehicle condition using the pictures and a vehicle history report. There is a trade off with these types of loans however.

Because the lender is taking on more risk by not seeing the vehicle in person, the interest rate may be higher. Additionally, the application requirements may be a bit more stringent. This includes the potential for required additional personal information such as references.

Online Title Loans with no Store Visit

These types of loans depend on the state and the lender. Some states require the lender to verify some information in person. In these states, for online title loans with no store visit, the lender may come to your home or place of business. While there, they will appraise the vehicle and/or complete the loan documents.

In other states, the borrower completes the process online with no visit to the lenders location. In some cases the lender may require an inspection from a third party. As such, they have the same trade offs.

Online Title Loans from a Direct Lender

The other main type of online title loan is one from a traditional direct lender. The borrower completes the application process and parts of the loan process online. The loan documents and vehicle appraisal are then completed at the lender’s location.

How do Instant Online Title Loans work?

The process begins with an online application. The application is reviewed by the lender and then approved with a maximum loan amount. Following approval you are provided the funds and make payments just like any other loan.

Online Process Summary:

Fast Title Lenders prefers to keep the process for getting an online title loan simple. There are three simple steps:

Step 1 – Apply

The first step is to fill out the simple online title loan application. This only takes a minute and requires no commitment and no credit check.

Step 2 – Get Approved

Next, you will need to get approved. This assumes you qualify for a car title loan.

Step 3 – Get Funded

Finally, your loan is funded. This is usually by direct deposit but can also be with a paper check.

How do I Apply for a Title Loan Online?

To start the process simply apply online by filling out a simple form. There is usually no credit score check so bad credit, no credit, does not typically factor into getting approved for the title loan. Most lenders allow you to start the application process online.

Credit Requirements (Credit Checks?)

No credit check instant online title loan on white background
Your Car is your credit with Instant Online Title Loans

Many lenders do not check credit although it is important to note that some online title lenders do. It is also important to understand the difference between a soft credit check and a hard inquiry.

Most title loans do not require a hard inquiry on your credit report. This provides several benefits including privacy. Regardless, you credit typically does not affect the loan because the vehicle is collateral.

You can usually qualify for a title loan without having a perfect credit score. Additionally, with no hard inquiry on your credit report, your credit score is affected when you apply for a loan online.

Usually you car is your credit, so good credit or bad credit does not affect your car title loan amount or interest rate. In fact, it is possible to use a title loan to increase your credit score with an innovative method if you need to quickly increase your score.

Are there No Inspection Instant Online Title Loans?

man inspecting vehicle for title loan
Online Title Loans are available with and without inspection.

Online title loans with no inspection are now available from many title lenders, but are not available in all states. Instead of an inspection you will need to provide current pictures of your vehicle.

These typically include the exterior, interior, odometer, and VIN. The lender uses the pictures to assess the condition of the vehicle.

Vehicle pictures should be current to provide an accurate assessment of the vehicle’s condition and verification that you are in possession of the vehicle.

The lender will also use a vehicle history report. If you haven’t checked your vehicle history, now may be a good time to do so.

How long do Instant Online Title Loans take?

Unfortunately, no, there is no title loan that funds instantly; regardless of inspection. When you think about it, how could a lender realistically fund a title loan instantly?

You will need to provide evidence of your vehicle’s condition and mileage; and also provide the lender with your title before they will fund the loan.

Funding time frames depend on the lender, however none are immediate. You should consider that you will need to apply for the loan, get approved, and also complete the loan process.

The process will include providing pictures of your vehicle, copies of your documents, and usually mailing the original copy of your title. Fast Title Lenders is very fast with same day cash.

Many lenders also require an appraisal by a third party. This all takes time. Depending on the lender it can be anywhere from a day to a week. The benefit of a vehicle inspection is a more accurate, and often higher, vehicle valuation.

Instant Online Title Loan Requirements:

The requirements for getting an auto title loan online are the same as an in person title loan, with the addition of vehicle pictures. Generally, you will need:

  1. A vehicle with equity,
  2. Lien free title,
  3. Drivers license,
  4. Proof of insurance, and
  5. Proof of income.

For loans with no inspection there are some additional requirements including vehicle pictures. This includes the exterior, interior, odometer, and VIN.

Instant online title loans require odometer pictures
Car Title loans online do require pictures of the odometer.

Some lenders have excessive requirements like a GPS device, roadside assistance programs, and other unnecessary requirements that make the title loan process more complicated.

By complicating the process, they slow down the process and add costs. We prefer to keep it simple to keep the process fast.

*Online Title Loan Tip: Get funded faster.

Want to make sure you get your title loan funded fast? The key to making sure your loan is funded quickly is having all of the required information and documents ready when you apply. If you can’t find your title and have to get a replacement, that will add time. If you can’t find your insurance card and have to get a new one, that will take some time.

Tips for instant online title loan preparation
Avoid delaying your Instant Online Title Loan by being prepared.

Title loans also require proof of income, so make sure you have your two most recent pay statements with the rest of your information. If you can’t find them and have to print replacements, that will take time.

We suggest gathering all the required information and documents and putting them in a single folder. This will ensure there are no unnecessary interruptions to the process and will help make sure your loan gets funded the fastest online.

Funding Methods – Direct Deposit

The most common funding method is a direct deposit into your checking account. There are several other ways to fund the loan including a wire transfer (if time is critical), a paper check, and in some cases a Debit card. Choose the funding method that makes the most sense for your situation.

How much do Instant Online Title Loans Cost?

Instant online title loans typically cost the same as any other title loan; and usually have very high interest rates. Fast Title Lenders provides an alternative to the lenders charging very high rates and offer the best title loans at lower rates. This has helped make us one of the best title loan companies.

We also developed a title loan calculator to help our customers determine the actual costs of title loans. Considering many lenders do not provide cost information readily, you can use the calculator to get an estimate. Feel free to use our calculator to evaluate whether or not an online title loan is in your best interest and to see how much you can save on a title loan.

Repayment Terms

Generally, car title loans are either single payment loans or monthly term loans. Most online title loans are monthly term loans. This means they are installment loans with monthly payments of both principal and interest.

There are usually no prepayment penalties, however, make sure to confirm this with your lender. Understanding how interest is calculated will also help ensure your next title loan is affordable. Repayment terms can be any where from a few months to over a year.

Important – Car title loans (including instant online title loans) are short term solutions. They are NOT meant to be long term loans. Making a car title loan a long term loan can cause a substantial increase in cost that can result in a financial problem.

When the interest rate and loan length increase at the same time the cost of interest increases exponentially. See the graphs in this post to get an idea of how this works.


The way we use services is evolving. This includes our use of services from the banking and credit industries. Title loans are a form of credit, although they typically are not talked about in the mainstream.

As more services evolve to offer online options, we expect the title loan industry to follow. The industry has been a bit slow in adopting new technologies. This is partially because of the lack of standard regulations across states.

As more services become electronic, we expect online title loans to become easier. Perhaps the fact that title loans are not permissible in all states is a reason for the slow adoption of technology solutions. Add that to different rules and regulations in the states that do permit title loans, and you can see the difficulty in attempting to standardize the online title loan process. Additionally, laws change frequently. While you can get a fast online title loan today, they are far from instant, so keep that in mind.