Title Loans

Money when you need it most.

Title loans are available in-store in Arizona, Louisiana, New Mexico, Ohio, Oregon, Tennessee, and Texas.
Title pawns are available in Georgia. Click here to learn more about title pawns in your state.
California residents click here to learn more about title loans in your state.

What is a title loan and how does it work?

A title loan is a loan where a vehicle title is used as collateral in exchange for the loan amount.

Is a title loan the same as a title pawn?

Essentially, yes. The main difference between a title loan and a title pawn is terminology and location. Depending on your state, it will either be called a title loan or a title pawn; however, the term itself refers to the same process and type of loan.

Are title loans or title pawns available in my state? How much can I borrow?

Title loans and title pawns are available in-store in the states below. Minimum and maximum loan amounts vary by state. If approved, the amount you may borrow will depend upon your income and standard underwriting criteria.

Arizona: $100 - $2,500

Georgia: $100 - $2,000

Louisiana: $500 - $1,000

Ohio: $200 - $300, or $500, or $1,000

Oregon: $100 - $300

Tennessee: $100 -$2,500

Texas: $100 - $5,000

What do I need to apply for a title loan?

  • You are required to be on the title for the vehicle you are presenting as collateral, and the vehicle must be clear of any liens.
  • You do not have to be employed but you must have a steady source of recurring income payments to ensure you will be able to repay your loan.
  • You must reside in the state you choose for your loan application.
  • You must be at least 18 years old.
  • You must not currently be a debtor in a bankruptcy case or presently intend to voluntarily file for bankruptcy relief.
  • You must not be a regular or reserve member of the Army, Navy, Marine Corps, Air Force, or Coast Guard, serving on active duty under a call or order that does not specify a period of 30 days or fewer or a dependent of a member of the Armed Forces on active duty.
  • You must bring a valid government issued photo ID.
  • Titles with two names are accepted. Both people must be present in the store to complete the process. The store associate will instruct you on how to sign the documents if you are approved.

How do I apply for a title loan?

Just use the ACE Cash Express store locator to find a store near you and apply in person. To apply, simply bring in a clear title with your name on it and government issued photo ID. We accept many types of titles, including: original titles, certified copies, salvage titles, and titles that have released liens signed off by another lender on the front.

When will I receive my funds?

If you are approved, you will immediately receive your approved loan amount in cash.1

Do I have full use of my vehicle during the term of the loan?

Absolutely! If approved, you get the money, and you get to keep driving your vehicle.1

When will the loan be due?

Your title loan due date(s) and term (length) of the loan will vary by state. You will be informed of the due date(s) if your loan is approved.

How and when can I pay back?

You should pay your title loan or title pawn in the store where the loan was originated with cash on or before the due date(s). You will not be penalized for making an early payment.

What if I change my mind?

Every loan comes with a 72-hour satisfaction guarantee. So if you change your mind about your loan, just return the principal within 72 hours and pay nothing more.

Licenses & Rates
Licenses and Rates
View our state license and short term lending rates.
Frequently Asked Questions
FAQs
Find answers to common questions about loans.
More Information
More Information
More details about how to use loans.
Requirements
Requirements
View our minimum requirements for being approved for a loan.
  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, TransUnion, Equifax, LexisNexis or FactorTrust, Inc.