Title Loans
Apply online and let your car help you in an emergency.
1F Cash Advance has been helping people find emergency loans since 2019. We are a licensed company and operate under state laws. Over 140,305 consumers have already used our services, both online and in stores.
Each of our articles is reviewed by leading industry experts and updated regularly. We ensure accuracy and currency through daily audits and automated updates. Learn more about our editorial standards.
1F Cash Advance has been helping people find emergency loans since 2019. We are a licensed company and operate under state laws. Over 140,305 consumers have already used our services, both online and in stores.
Each of our articles is reviewed by leading industry experts and updated regularly. We ensure accuracy and currency through daily audits and automated updates. Learn more about our editorial standards.
Get a Quick Title Loan Online Through 1F Cash Advance
We are here for you 24/7, with no appointments or long waits needed to apply. Complete these three easy steps to access your offers:
Fill out an online form
Share your basic personal information, bank account details, and vehicle specifics with lenders.
Apply NowReceive an approval decision
The verification process is fast and primarily focuses on your ability to repay. Once prequalified, schedule an appointment with the lender for vehicle appraisal.
Get funded
If approved, read and sign the loan agreement and receive the money within 1 business day.
What You Will Need to Apply
Lenders typically ask for the following basic details:
- Age of at least 18 (19 or 21 in some states)
- Valid ID
- Proof of income and address
- Clear car title with no active loans
- Active auto insurance policy
- Vehicle for inspection
- Some lenders may request extra keys or a GPS tracker
Benefits of Auto Title Loans
Simple Requirements
You don’t need a good credit score to qualify. Lenders typically look at your income and payment history and only ask for basic information to evaluate your ability to repay on time.
Higher Borrowing Limits
The amount you can get is determined based on your vehicle’s market value, allowing you to borrow more than with standard payday loans.
Your Car Stays with You
While the lender places the lien on your vehicle, you retain full possession and use of it, so getting a loan will not affect your daily routine.
Terms and Rates
Auto title loan availability, terms, and rates depend on your state, credit profile, and the lender you work with. On average, title loans cost around 25% per month, which results in an APR of around 300%. However, many states set strict usury rate caps to protect borrowers from high APRs.
Why Work with 1F Cash Advance
We make borrowing easy and straightforward while keeping the process safe.
Single and Time-Saving Application
With 1F Cash Advance, you fill out only one application form to connect with multiple legitimate lenders. There’s no need to apply to dozens of financial institutions separately.
Secure Data Handling
We use industry-standard encryption to protect your sensitive information when you submit it on our website. 1F Cash Advance does not share your data in any way other than as outlined in our Privacy Policy.
Dedicated Customer Support
Our team is here to guide you through the process, answer your questions, and help you better understand the terms before you commit.
Other Same-Day Loans With Us
If a title loan does not work for you, consider other loan products available through 1F Cash Advance:
Payday Loans
A payday loan is a small, short-term loan designed for urgent, unexpected expenses. Borrow up to $1,000 within a day and repay the loan by your next paycheck. No collateral is needed.
Installment Loans
Installment loans are unsecured loans of up to $5,000, with repayment split into fixed monthly payments. You can use the money for larger expenses and adjust payments to fit your budget.
Note: Availability varies by location. Check what options are offered in your state.
Responsible Borrowing
Use title loans only for emergencies. These loans have short repayment terms and high APRs. As your vehicle is used as collateral, you can lose it if you fail to repay. Before applying, evaluate the risks carefully and realistically assess your current financial situation. Consider alternatives such as payday alternative loans (PALs) from credit unions, payment plans with existing creditors, or free credit counseling through NFCC-member agencies.
FAQ
How much can I borrow with a title loan?
Lenders in our network typically let you borrow 25%–50% of your car’s estimated market value. The exact amount you can get also depends on your income and credit profile.
Can I get a title loan online with no credit check?
Our lending partners perform at least a soft credit inquiry to check your eligibility. This inquiry does not affect your credit score. In some cases, lenders may run a hard credit check for the final approval, especially if you request a high amount. If they do, you will be notified in advance.
What credit score do I need for a car title loan?
There’s no set minimum. Lenders look at your overall financial situation and assess your ability to repay rather than your credit alone.
Can I still drive my car if I get a title loan?
Yes, you keep your car for the entire loan term, although a lender places a lien on it. That means you can lose your vehicle if you default.
How fast will I get the money?
If you get approved and sign the agreement before 10:30 am on a business day, the money will typically arrive the same day. Otherwise, you will receive your loan on the next business day. Some lenders may also offer instant in-store cash loans or instant deposits to a debit card.
