Title Loans

Frequently Asked Questions

Title loans are available in-store in Arizona, Louisiana, New Mexico, Ohio, Oregon, Tennessee, and Texas.

Title loans are available online in Texas only.

Title pawns are available in-store in Georgia. Click here to learn more about title pawn in your state.

California residents click here to learn more about title loans in your state.

About Title Loans

What is a title loan?
Are title loans available in my state? How much can I borrow?
Do I have full use of my vehicle during the term of the loan?
Are motorcycle title loans available?

Application Process

What do I need to apply for a title loan?
How do I apply for a title loan?
Do I need to be employed? Can I be retired?
Does my vehicle need to be paid off?
What if I lost my title? What do I do?
Do I have to have the vehicle titled in the same state as where I live?
What if there are two or more names on the title?
What if the vehicle title is in someone else's name?
I have two vehicles. Can I get one title loan based on both?
Is there any cost to apply for a title loan?
How will I know if I am approved? When will I receive my funds?

Payments and Cancellations

When will the loan be due?
How and when can I pay back?
If I pay off my loan early, how does that affect my finance charge?
What if I change my mind and decide to cancel my loan?
What happens if I fail to make a timely payment on my loan or credit services transaction?

About ACE

Why choose ACE Cash Express?
What is a Credit Services Organization (CSO) and Credit Access Business (CAB)?
Is my personal information safe?
  1. All loans subject to approval pursuant to standard underwriting criteria. Not all consumers will qualify for a loan or for the maximum loan amount. Loans should be used for short-term financial needs only, not as a long-term financial solution. Customers with credit difficulties should seek credit counseling. Loans in Texas arranged by ACE Credit Access LLC, and all such loans are made by, and subject to the approval of, an unaffiliated third party lender. Terms and conditions apply.
  2. Loan funding requires verification of application information. Depending on ability to verify this information, loan funding may be extended up to two days. All loans subject to approval pursuant to standard underwriting criteria. In-store cash pickup is subject to approval pursuant to standard underwriting criteria. In-store cash pickup not available in all states.
  3. Installment loans are intended for customers who need more time to pay off their loan than provided by a single-payment payday loan. Individual payment amounts for an installment loan are smaller when compared to the single-payment payday loan for the same loan amount. The total sum of payments for an installment loan will be higher than a single-payment payday loan if you pay off the installment loan according to the payment schedule set forth in the associated loan agreement.

Our credit decision on your application may be based in whole or in part on information obtained from a national database including, but not limited to, FactorTrust, Inc., P.O. Box 3653, Alpharetta, Georgia 30023, (678) 306-2260.