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Get up to
$2000
Instantly from ACE!
- Keep your car
- 30 days to pay
- Bad credit is okay
- Safe and easy
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Get an ACE Title Loan
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Title loans are an easy way to borrow $2,000 instantly! Plus, with ACE, you'll get your loan for 30 days and still get to keep your car while you repay the loan. And you can get it all from the company that's been earning your trust since 1968.
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What to Bring
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To secure your title loan, you'll need to bring a state-issued photo ID and a clear title from the state where you plan to get the loan.
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How do I get started?
Bring your car and the required papers to your nearest ACE Cash Express. We'll tell you how much money you're eligible to borrow, then you can decide if you want a loan. Click here for a checklist of what you need to bring.
Can I apply online for a Title Loan?
At this time, we only offer Title Loans in store. Find your nearest participating ACE with our handy store locator.
What is a Title Loan?
A Title Loan is a short-term advance made to you if you own your car. We hold onto the title and give you the cash you need. You get to keep your car and when you pay back you loan, we give you your title back. It's that simple!
What are the qualifications for a car title loan?
• Govt. issued photo ID
• Free and Clean Title
How much can I borrow?
You can borrow anywhere from $300 - $2,000.
I have two cars. Can I get one loan based on both?
No. One loan, one car, one person.
Do you do motorcycle title loans?
Not at this time.
Do I have to have the car titled in the same state as where I live?
Yes. You will need a title in the same state where you are applying for the loan.
Does my car need to be paid off?
Yes, your car will need to be fully paid off.
Do I need to have a good credit?
No! Your personal credit is not considered for this loan. Our scoring takes into account a few things like your income and the value of your vehicle, but we do not run your credit.
Do I need to be employed?
You do not need to be employed, but need to prove that you have some sort of income. You can be self-employed, or even receive income from some source other than an employer but we will require that you show there is some income to cover the payments.
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Can I be in retirement?
Yes. You can even be on disability. The key issue is that you have a source of income to pay the loan.
Is there a pre-payment penalty?
No. You have 30 days to pay or refinance the loan, but you will not be penalized for paying it off early.
How fast does the process take to get the loan?
You can have cash in hand in about 20 minutes. Approval takes just minutes, then after a little bit of paperwork, you'll be on your way.
Do I have full use of the vehicle?
Absolutely. You get the money, and you get to keep driving your car.
Do I need a bank account for a loan?
No. We do not require that you have an active bank account to secure a title loan. But in Texas, you can get a discount on your loan fees if you want to bring a check.
What if I lost my title, what do I do?
You will need to apply for a duplicate title at your County Tax Office.
What if the vehicle title is in someone else's name?
Whoever is named on the title will be the only person able to take out a loan. If you recently bought your car and the title is not yet in your name, you will need to have the title transferred at the County Tax Office before applying for a loan at ACE. If the title includes the name of a spouse, he or she will have to be present when you apply for the loan.
When do I get my title back?
You will get you title back after you pay off your loan in full.
Will my car be taken from me?
As soon as you repay the loan, your title will be returned to you free and clear. In the event that you fail to refinance your loan or pay it on time, your car may be repossessed used to pay off your loan.
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