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Best Title Loan Companies in 2021


If you need quick cash in your account, then a title loan may be a good idea. Here are the best title loan companies of 2021—so save yourself some time and money by checking out this list before your sign onto any loan.

What Is a Title Loan?

A car title loan is a short-term high-interest loan. The loan is set against the value of your car, which is used as collateral in the instance that you do not repay the amount lent to you.

For example, if your 2009 Mitsubishi Lancer is worth $2,200, a total loan company may offer you $1,000 based on the resale value of the car after fees and services.

Typically, online title loans are in the range of $100-$1,500 and last for one month. However, the loan timeframe can be up to one year, depending on where you live.

Title loans are a great option for people who otherwise would not be able to get a cash injection quickly or easily. For example, because the value of the car secures the amount lent to you, there is no risk on the company’s part. So, that means you will not be subject to a credit check.

If you have a bad credit score or even no credit score at all, this is a viable option for a loan. Most banks, companies, or even private lenders will perform a credit check before agreeing to offer you the desired sum. Not only will this credit check negatively affect your score but chances are that you will also be rejected.

Getting a title loan avoids all of this hassle. Unfortunately, they are high interest loans and often come with extra fees, but here are the quality companies in the space to check out!

The Best Car Title Loan Companies

Speedy Cash

Speedy cash is a company that has been in business since 1977 with 3 childhood friends at the helm.

Depending on the value of your car, you can borrow anything from $300 up to $25,000—click here for an estimate.

To determine the value of your car you should consider a few things:

  • What make is the car?
  • What model is the car?
  • How old is it?
  • Does it need any repairs?
  • What is the typical market value for this car in particular?

Answering these questions will give you a much better idea of exactly how much money you will be able to borrow.

Speedy cash is available in many states across the country but operates under a different name (Rapid Cash) in Washington, Oregon, and Nevada.

Once you have had your car evaluated and your loan amount agreed, the funds can be transferred into your account within one business day.

They are both online and have physical stores to help you however you feel most comfortable.


Whereas Speedy Cash (Rapid Cash) works on a more intimate level, TitleMax is one of the largest lenders in the country. TitleMax has thousands of stores all across the nation and aims to offer the most competitive auto title loan rates for both cars and motorcycles.

However, the amount limit that you can borrow is significantly less, it is only $10,000 in comparison to Speedy Cash’s $25,000. But you can have the cash in your name in as little as 30 minutes. If you are really in a pinch then this company can certainly help.

They require no credit checks and you do not even need to have a bank account for the loan. All of these conditions are put in place to make the process as easy and convenient for you as possible.

Loan Mart

Loan Mart offers loans in 29 states nationwide and has helped over 250,000 people with a quick cash title loan. The website is convenient and easy-to-use allowing you to get a car evaluation in no time at all. If you apply before noon, you can even receive the money by 4 pm that very same day.

They also pride themselves on offering competitive rates and the fact that you can keep using your car through the loan period. So, if you rely on your vehicle for work or childcare, then this company is certainly worth your time.

However, defaulting on your loan will end up with you losing your car. So, ensure that you can meet these repayments if you do indeed rely on your car for your day-to-day life.

Check Into Cash

With over 3 million reviews online, the vast majority of which are overwhelmingly positive. They offer title loans both online and in-store. They have over 1,100 stores in 30 states across the country, meaning that it is easy and convenient for you to meet with an actual person in the flesh and discuss your needs and any questions that you may have.

If you are from outside of one of these states, or the location is too far from you, then their website is just as easy to use. The company was originally founded in 1993 in Cleveland, TN and this is where their headquarters remain to this day.


Title loans are an amazing option for a quick cash boost if you have fallen on hard times or just need a little bit of cash to tide you over for a month. The process is very simple and hassle-free, making it a much more appealing option than going to a bank for a loan.

The best title loan companies are the ones that offer lower interest rates, no hidden fees, quick transfers of the loan amount as well as an easy process.

The above-mentioned title loan companies offer some of the best services and competitive rates in the country, but each operates under slightly different conditions. If you want to discuss your title loan in person then Check Into Cash may be the best option for you, whereas if you need the cash boost immediately it is better to look at TitleMax or Speedy Cash instead.