Online Title Loans

Car Title Loan Online made Fast and Easy:

  • Lowest Rates
  • Same Day Cash
  • Instant Approval
  • Free Quote 24/7

Online Title Loans are now an option to get a car title loan directly from the comfort of your home. In fact, you can complete most or all of the process online.

Covid-19 has changed the way we shop for and complete car title loans. This makes online options more important than ever. Fast Title Lenders specializes in online car title loans with an easy online application and fast approval.

Lower Rates equal Better Online Title Loans

Are you shopping for an online title loan but are tired of paying triple digit interest rates?  Then you are in the right place. We offer competitive interest rates and same day cash in many cases.

Fast Title Lenders has earned our reputation as one of the best title loan companies by following the principles we were founded on; honesty and transparency.

The reason we can offer the best title loans is because we offer lower rates than most other lenders. This equals lower payments for the same loan; meaning the best online title loans.

Choosing your lender is a critical step in the loan process. Additionally, understanding how title loans work is important. Car title loans can be expensive and alternatives should always be considered. Find some real alternatives for car title loans.

What is an Online Title Loan?

An online title loan is a fast and easy way to borrow money using the equity in your vehicle as collateral for the loan. The best online title loans have competitive interest rates, no loan origination fee, and no pre-payment penalty. Getting a car title loan online is fast and easy in most cases.

Our lower interest rates are hard to beat. If you are considering a title loan, you may be looking into instant online title loans; take the word “instant” with a grain of salt.

Some online title loan lenders can take longer to fund than others. A direct lender will usually fund the loan quickly. If a fast online title loan is important to you, then make sure to confirm funding times with your lender.

How do Online Title Loans Work?

Online car title loans work similar to vehicle title loans, with a few extra requirements. Many of the same practices are applied to online title loans as to direct title loans. To get a title loan online, first, make sure you meet the online title loan requirements.

Additionally, you will want to ensure you make a good candidate for a title loan. We recommend as the first step for any online title loan, to use the title loan calculator to find a loan amount, and term, with a monthly payment that fits your budget.

getting a title loan online fast
Online Title Loans work by provide fast access to your vehicle’s equity.

Make sure you are able to afford the monthly payment. This is critical as missing payments on a completely online loan can result in the loss of your vehicle. Vehicle repossession is a last resort but is a possibility with any title loan. 

Next, fill out the easy online application to start the process. Additionally, be prepared to take pictures of the exterior and interior of the vehicle including the odometer and VIN number.

General Requirements

The requirements for online only, or completely online title loans, are similar to the requirements for a loan from a brick and mortar location. The key difference is the requirement for vehicle pictures to allow for a “virtual inspection” of the vehicle’s condition and confirmation of the vehicle’s mileage and VIN number. Learn more about the title loan requirements.

To qualify for a completely online title loan, from a direct lender, make sure you have the following:

  1. Lien free title
  2. Valid Drivers License
  3. Proof of Insurance
  4. Proof of Income
  5. Vehicle pictures (or the ability to take them when needed)

There are multiple types of “online title loans” and each will have slightly different requirements. In general, the requirements listed above will suffice depending on the lender. Some additional requirements may include:

  1. Proof of Address
  2. References 

These additional requirements are meant to verify the location of the vehicle and the borrower; given that the process is completed online.

Different Online Loan Types:

Each type of online title loan is very similar and can be summarized based on what part of the process is completed online. Some loans can be completed 100% online, others part online and part in person. They include:

  1. Completely Online Title Loans (100% Online)
  2. Hybrid Online Title Loans
  3. Completely Online Title Loans with No Inspection and No Store Visit
  4. Online Title Loans with Inspection 

A summary of each different type of online title loan is provided in the following sections:

1. Completely Online Title Loans (100% Online)

Completely online title loans (or 100% online title loans with no store visit) are becoming more widely available to car title loan customers. In fact, if you live in a state that allows car title loans, chances are you will have access to title loans online.

This means you may be able to get a car title loan with no visit to the lender during any part of the online car title loan process. These loans are approved and completed online quickly (some lenders call them instant online title loans).

There are two types of these loans; with and without inspection. For loans that require a third party inspector you will need to visit this inspector before your loan is funded.

If you are unable to do this or prefer not to, you can get a loan with no inspection and no store visit. These types of online car title loans use the information provided by you to determine the value of your vehicle.

2. Hybrid Option

The hybrid option is where part of the process is completed online and the finalizing of the loan is completed in person. These loans are usually from lenders with brick and mortar locations.

Generally, the application and some of the paperwork is completed online; and the vehicle appraisal and loan funding is completed in person. 

This type of title loan has a number of benefits and drawbacks. The main benefits are speed of getting the loan and the ability to have a place to go if there is a problem.

The loan is funded fast; usually as soon as you visit the lender. The main drawback is the need to visit the lender. Many searching for car title loans online are looking for a completely online solution.

3. No Inspection and no store visit

Online title loans with no inspection and no store visit mean you are not required to visit the lender or a third party inspector. The lender bases your vehicle value on the pictures of the vehicle and a vehicle history report. There are both advantages and disadvantages to this type of loan.

Because the lender is unable to inspect the vehicle, the value placed on the vehicle may be lower than if the appraisal was done in person. Completely online title loans with no inspections can be for situations similar to the following:

  1. You are unable to drive the vehicle to the lender or third party appraiser as a result of the vehicle being in storage. 
  2. The location of the vehicle is not near any lender or third party inspector, so driving to one would be an inconvenience. 
  3. The vehicle value is significantly more than twice the value of your requested loan amount, so a slightly lower appraisal does not affect your loan.

Completely online title loans allow you to complete the entire process online. You will need to provide accurate and recent pictures of your vehicle to verify its condition and VIN.

4. Online Title Loans with Inspection

The next loan type is an online title loan with inspection by a third party. These loans are similar to completely online title loans with the additional requirement of visiting a third party appraiser (or inspector) prior to loan funding.  The rest of the loan process is completed online.

You provide the lender with your information including vehicle pictures and other requirements. A contingent offer is made and you visit the appraiser for a vehicle inspection to confirm your vehicle information. Like other online car title loans this has both benefits and drawbacks.

The main benefit is the value if the vehicle is assessed in person which can result in a more accurate valuation. The main drawback is you need to visit the appraiser; versus the completely online process that can be completed entirely from home. 

Online Title Loans with inspection include a vehicle inspection to allow the lender to accurately appraise the vehicle. The inspection can take place at the lenders location or a third party appraiser the lender works with.

If the lender has a location in your area, this may be the fastest way to complete your title loan online. Additionally, because the lender can see your vehicle, the vehicle value may be more accurate than just going off of pictures.

Online Title Loan Process Overview:

When we refer to the process, we are talking about the high level process of 1. Apply, 2. Get Approved, 3. Loan Funding, 4. Make your Payments. This process applies to each type of car title loan online and includes:

1. Apply:

All online title loans allow you to at least begin the application process online. Usually you can apply online with a quick and easy approval process with no credit check. With 24 hour title loans you can apply 24/7.

2. Get Approval:

To receive approval and a loan offer, the lender must place a value on the vehicle. This part of the process varies depending on what type of loan you are applying for.

This part of the process can either be completed in person or online. To complete it in person, you visit the lender or third party appraiser. To complete it online you will need to send in pictures of your vehicle and title.

3. Online Title Loan Funding:

Similar to the loan offer, loan funding can be completed in person or online. If you completed the loan offer online then funding will likely be completed online. The lender will direct deposit funds into your bank account, wire money, or mail you a check.

4. Payments:

Finally, once your loan is funded you make your payments just like any other title loan. We have easy payment options that allow you to pay online or over the phone.

Our goal is to make it easy and convenient for customers to make payments, not difficult. If your lender requires you to visit them for every payment, you need to make sure that is feasible.

Preparing for an Online Title Loan

Preparation is key for any title loans. For online title loans preparation is even more important. It includes both finding the best online title loan and getting your information ready for applying.

Our recent post “How to prepare for a Title Loan Online” covers the preparation steps in detail. This includes having information ready for applying, taking vehicle pictures, loan funding, and repayment.

Online Title Loans Direct Lenders:

There are several benefits to getting an online auto title loan with a direct lender, with the most obvious being you can complete the process without the need to leave your home. Regardless of whether you choose a direct lender or a title loan service, make sure to find out the costs of the title loan before signing a loan agreement.

You will need to be prepared and equipped to take accurate pictures of your vehicle. Also, you may need to wait for your funds to be direct deposited or mailed. With a regular title loan you can go get the cash in about 30 minutes.

How long do Online Title Loans take?

Stopwatch and fast title loans online
Online Title Loans are usually fast.

Many lenders are advertising “Instant Online title Loans“. The reason is simple, users are searching for the term so lenders are advertising it. Unfortunately, no title loan is instant. In fact, some “Instant Online Title Loans” actually take longer to fund than a traditional title loans. Before proceeding with the online title loan agreement make sure to find out how long it will take to fund your loan.

If you need cash immediately, make sure to confirm with your lender the funding time frame. Fast online title loans is a more accurate description than instant. Generally, title loans, including online loans, are funded fast. This is especially true when compared to other loan types.

There are cases where funding can take longer than expected. Meeting the title loan requirements before applying will help ensure your title loan online is fast.

How much can I Borrow?

Cash with red question mark
Loan Amounts are based on vehicle value.

How much can I borrow with a Car Title Loan Online? The answer depends on the value of your vehicle.

The amount you are able to borrow with an online auto title loan is very similar to a brick and mortar loan. The maximum is usually 50% of the fair market value of the vehicle assuming you have the ability to repay the loan.

For example, if the vehicle is worth $10,000, then the maximum amount you could borrow would be $5,000.00. This is assuming you have income to support the monthly payment. 

Borrow as much as you need based on the vehicle value and ability to repay the loan. If you are new to the title loan process learn how to get a title loan. To check another loan amount and payment use our car title loan calculator.

In addition to the question “How much can I borrow?”, it is also important to ask “How much will this cost?”. Use the title loan calculator for a full payment estimate.

Understanding how much title loans cost is a key to being able to negotiate an affordable title loan. We frequently publish cost, process, and other information about all things title loan related.

This ranges from telling customers not to borrow the maximum amount when it doesn’t make sense to providing information on how to get the best deal.

Credit Checks for Online Title Loans:

Fast Title Lenders does not check credit, however some online title lenders do. There is a good reason for this. There are some lenders advertising loans far exceeding 50% of the fair market value of the vehicle, with some as high as 85%. Cars depreciate (decrease in value) over time. Making a title loan for 85% of the fair market value presents a higher risk for the lender and is not allowed in many states.

Specific state maximums are shown here on page 2. As vehicles depreciate a default is more likely to result in a loss for the lender if they have to repossess and sell your vehicle. Make sure if you apply with another lender to find out if they check your credit.

Bad Credit or No Credit:

One of the benefits of a car title loan is your car is your credit. This means you can still qualify for a title loan even if your credit is not perfect. You use your vehicle as collateral for the loan, therefor your vehicle is your credit.

How Vehicle Value can Affect your Loan

The value of your vehicle is an important aspect in a title loan transaction, including car title loans online. So, make sure you have a good idea of your vehicle’s value before applying for a loan.

There are several ways to estimate the value of your vehicle. All start with an honest assessment of the vehicle’s condition (interior, exterior, and mechanical). 

Mileage also plays a big role in the calculation. Once you have an honest assessment of the condition and the mileage, use one of the online vehicle valuation tools like KBB and NADA.

Finally, vehicle history also plays a role in calculating your vehicle’s value. This is especially true for online title loans with no inspection, as the lender will not have a chance to see the vehicle in person.

How to get a Better Deal

Getting the best deal on an online title loan is a bit more challenging due to the number of different lenders. Always read the loan agreement in full before signing. Whether you choose us, or another title loan company, there are a few things you can do to make sure you get the best deal.

First, ask the lender for a lower rate. Many people don’t realize it but title loans are negotiable. There are rules on the maximum rate a lender can charge, but no rules on the minimum rate. 

If you ask for a lower rate you may be able to reduce your total loan cost significantly. Next, ask the lender to waive any fees. Hopefully you chose a lender, like us, that doesn’t charge fees, but if you didn’t, ask them to waive them.

The best car title loans have no fees. Finally, get several quotes from lenders and go with the lowest.

Most importantly, read the loan agreement before signing it. Make sure you understand, and agree with, the terms in the agreement including how interest is charged. It is suggested that you understand loan amortization to get an idea of how your loan works.

Read the fine print. It may end up saving you a significant amount of money, and, even your car. If you are not comfortable with any part of the agreement do not be afraid to move on to another lender.

Cost Control Tips

When getting a title loan online, or any car loan for that matter, do not focus solely on the monthly payment. While it is definitely important to ensure you monthly payment is affordable, it is just as important to ensure your online title loan is affordable. Some online title loan lenders are amortizing title loans for 24, 36, and even 48 months.

A longer loan term does lower your monthly payment, but, as the interest rate increase the effect this has on the total loan cost can be significant. As the interest rate increases, increasing the loan term can have unexpected affects as shown in these graphs.

For example, a $1,000 title loan with a 36 month term and a 15% per month interest rate costs over $5,400 to repay. That is not an affordable loan for most borrowers. To see other loan amounts and rates with graphs check out our post on what title loans really cost.


Title loans, including online title loans, with no store visit, and with no inspection, are, in many terms, a lot like regular car title loans but with some additional requirements and risks. Choose the type of loan that best meets your needs.

These risks can add up to costs and in some cases even a credit check. As with all title loans, it pays to do your research and find the best lender, with a good reputation, offering decent terms. At Fast Title Lenders we have done our best to provide information related to how title loans work to help inform potential customers.

This includes providing alternatives to title loans. It is important to look at all options before signing any loan agreement. Doing so will help avoid getting stuck with a loan you can’t get out of that is nearly impossible to repay.