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Max Cash® Lender Directory

Get a closer look at our reviews of the top lenders for personal loans, payday loans, and title loans in 2025. Secure a loan against your car to tackle unpaid bills, access a personal loan to consolidate debt, or count on payday loans when you need help with unexpected expenses.2 5

Trusted by Millions
Loan Amount
Up to $15K for Title Loans1
Loan term
Varies by State
3.80
Rated on TrustPilot
Our Verdict

Since it's possible to receive fast title loan funding through a title loan serviced by LoanMart, we find that LoanMart can provide helpful financial support to qualified borrowers - even if their credit histories aren't up to par. However, be prepared to gather your paperwork in advance to make the online application process a little more streamlined.

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Pros
  • Bad credit borrowers may qualify
  • Refinancing options available to eligible borrowers
  • Funding is possible in as little as 24 hours1 5
Cons
  • No in-store options
  • Required documents for approval can change based on your state of residence
  • Cannot be used for non-personal related expenses
Loan Amount
Up to $10K for Title Loans, Varies by State1
Up to $2.5K for Personal Loans1
Loan term
Depends on Product Type and Varies by State⁴
3.60
Rated on TrustPilot
Our Verdict

The application process through TitleMax is straightforward and can be done online or in-store, making it accessible to a wide range of borrowers. While it is typically possible for individuals to skip a credit check and keep driving their vehicles during the repayment process, these loans tend to come with shorter repayment periods, which might not be feasible for everyone.5

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Pros
  • Bad credit borrowers may be eligible for title loans
  • In store options for some borrowers
  • Quick approval and competitive rates4
  • Funding is possible as soon as the same day or by the next business day1 2
Cons
  • Securing a loan against your car can result in repossession if you default on your loan
  • Cannot be used for non-personal related expenses
  • Must have a bank account to secure a personal loan
  • Required documents may change based on your state of residence
  • Repayment terms may be short depending on your state of residence4
Loan Amount
$50-$25K for Title Loans1
$50-$5,000 for Installment Loans1
$50-$1,500 for Payday Loans1
Loan term
By the Next Payday for Payday Loans⁴
Up to 18 months for Installment Loans⁴
Title Loan Terms Vary by State⁴
4.40
Rated on TrustPilot
Our Verdict

With a fast approval process, our verdict is that Speedy Cash lives up to its name by providing convenient loan options for securing emergency funding.

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Pros
  • In store options for some borrowers
  • Streamlined approval and quick funding4 5
  • Funding is possible as soon as the same day or by the next business day1 2
Cons
  • Must have a bank account to secure a payday loan
  • Required documents may change based on your state of residence
Loan Amount
Typically Up to $30K for Title Loans1
Up to $5K for Personal Loans1
Loan term
Typically 24-48 months⁴
0.00
Rated on TrustPilot
Our Verdict

WCC has options that caters to borrowers without strong credit scores. Our review is that WCC may not provide as seamless of a loan experience as others in the financial services industry, but it may be able to offer higher title loan amounts to eligible borrowers in comparison to some options.1

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Pros
  • Bad credit borrowers may be eligible for title loans5
  • Variety of repayment options are available
  • Quick approval and competitive rates4
Cons
  • Securing a loan against your car can result in repossession if you default on your loan
  • May need to have a bank account to secure a personal loan
  • Required documents may change based on your state of residence
Loan Amount
$100-$15K for Title Loans1
Varies for Personal Loans
Loan term
Varies by State⁴
0.00
Rated on TrustPilot
Our Verdict

CLA has numerous affiliated locations across the country, with a significant presence in states such as Georgia, Texas, Alabama, and South Carolina. This allows individuals from all different regions to begin a loan inquiry online, over the phone, or in person with a loan agent. Our verdict is that CLA focuses on accessibility by providing short-term loans for borrowers, so the repayment period may not be ideal for those who need an extended period of time to pay off their loans.1

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Pros
  • Bad credit borrowers may be eligible for title loans5
  • Convenient repayment options
  • Fast approval process and competitive rates4
Cons
  • Securing a loan against your car can result in repossession if you default on your loan
  • May need to have a bank account to secure a personal loan
  • Required documents may change based on your state of residence
Loan Amount
$300 - $15,000 for Title Loans1
Up To $1,500 for Installment Loans1
$100 - $500 for Payday Loans1
Loan term
Varies based on the loan⁴
0.00
Rated on TrustPilot
Our Verdict

Utah Title Loans can offer a connection to payday loans and quick title loans if you need fast and flexible emergency financial help.

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Pros
  • Bad credit is typically not an issue5
  • No store visit required, Utah Title Loans comes to you
  • For payday loans there are fast in-store approvals4
Cons
  • Vehicle repossession is a potential risk of auto title loans
Loan Amount
Up to $4,000 for Installment Loans1
2.00
Rated on TrustPilot
Our Verdict

Our verdict is that USA Web Cash has been providing installment loans with a focus on quick and efficient service, so qualified borrowers can access the financial help they need without a hassle.

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Pros
  • Simple application process online
  • Flexible payment methods
  • Good and quality service during your loan inquiry
Cons
  • Some services are only available to Alabama, Idaho, Missouri, North Dakota, South Carolina, Texas, Utah and Wisconsin
Loan Amount
$150 to $3,660 for Personal Loans1
Loan term
Varies based on credit history and loan amount
0.00
Rated on TrustPilot
Our Verdict

Western Shamrock Loans stands out by offering Texas residents multiple locations to apply for personal loans. Personal loans can be used to consolidate debt, pay for weddings or vacations, or handle other large personal expenses. Our verdict is that the accessibility is lower due to their location restrictions, but Western Shamrock Loans can be a viable option for those who need funding.

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Pros
  • Bad credit may not be an issue
  • Convenient and fast processing for loan inquiries4
  • Multiple locations for those who prefer face-to-face interactions1 2
Cons
  • Late fees may add to the overall cost of the loan if your payments aren't made on time
  • Risk of Higher Interest rates if your credit score is not ideal4
Loan Amount
$1,000 to $10,000 for Title Loans1
0.00
Rated on TrustPilot
Our Verdict

Wiregrass Title Loans stands out by offering a speedy and simple application process, making a vehicle-secured loan a viable option for borrowers with less-than-perfect credit. While its accessibility may be somewhat limited, Wiregrass Title Loans is known for delivering reliable service for qualified individuals in Alabama.5

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Pros
  • Bad credit may not be an issue5
  • Convenient online application that you can start whenever, wherever4
  • Same-day funding is possible1 2
Cons
  • Vehicle repossession is a possibility if you default on your loan
  • Vehicle inspection required
  • One location in Alabama
Loan Amount
$450-$12,000 for Personal Loans1
4.80
Rated on TrustPilot
Our Verdict

World Finance offers convenient personal loans for consumers who need to obtain emergency funding or funds for debt consolidation. With loans ranging up to $12,000 in some states, this personal loan option can be ideal for borrowers who need quick access to financial help.1 2

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Pros
  • Quick approval process5
  • Bad credit may not be an issue
  • Can be repaid in installments4
  • Personal loans can be used to consolidate debt, build credit, and handle unexpected expenses
Cons
  • Credit check is required
Loan Amount
$2,000 to $50,000 for Personal Loans1
Loan term
36-60 months
0.00
Rated on TrustPilot
Our Verdict

Best Egg is a reputable online lender specializing in personal loans and debt consolidation. Founded in 2013, the company has served over 800,000 customers and offers loan amounts ranging from $2,000 to $50,000 with terms from 36 to 60 months.1 Known for its quick approval process and competitive rates, Best Egg allows borrowers to pre-qualify without impacting their credit score.

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Pros
  • Online approval process that allows borrowers to see if they are pre-approved
  • Installment payments provide predictability
Cons
  • Co-applicants are not allowed
  • Origination fees are charged
Loan Amount
Up to Half of the Vehicle's Value1
Loan term
Varies
0.00
Rated on TrustPilot
Our Verdict

USA Money Today is one of the highest-rated title loan companies in the Las Vegas area, family-owned and known for providing the most cash based on the equity and value of a borrower's vehicle. Available 24/7, apply online or over the phone, or visit one of their 4 store locations, and after a quick vehicle appraisal, funding may be possible in as little as 25 minutes with money available the same day, if approved.

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Pros
  • Fast application process for those with bad credit5
  • No prepayment penalties3
  • Top-notch service
Cons
  • If you fail to repay a car title loan, your car could be seized
  • Only available in Las Vegas and other cities in Nevada
Loan Amount
$100-$3,4001
Loan term
1 Month to 10 Months⁴
0.00
Rated on TrustPilot
Our Verdict

Camelot Financial Services offers fast cash loans, typically ranging from $100 to $3,400, focusing on quick approval and friendly service. Established in 2013, they provide personal loans and signature loans to residents of the Oklahoma City metro area. One of the biggest advantages of choosing Camelot is their speedy application process, allowing you to have the money you need as soon as the next business day.1

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Pros
  • Clear loan terms4
  • In store options
  • Money can be received in/on same business day, if approved
Cons
  • Only available in Oklahoma
  • Camelot does not offer some types of loans (title loans, etc.)
Loan Amount
Up to $4,000 for Personal Loans1
0.00
Rated on TrustPilot
Our Verdict

Balance Credit offers personal loans up to $4,000 with a simple online inquiry process and provides funds by the next business day after full approval.1 Their personal loan services cater to a variety of needs, but availability and terms vary by state, and not all applications are approved.

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Pros
  • Borrowers with fair to good credit scores are typically accepted5
  • Funds can be available as soon as the next business day upon full approval
Cons
  • Cannot be used for non-personal related expenses
  • Availability varies by state
  • Approval not guaranteed
  • Rates vary4
Loan Amount
$2,000 to $35,000 for Personal Loans1
Loan term
Up to 60 months
4.50
Rated on TrustPilot
Our Verdict

Avant offers personal loans designed to meet diverse financial needs. Whether consolidating debt, covering unexpected expenses, or making a major purchase, Avant provides solutions tailored to individual credit profiles. Their online platform streamlines the application process, often delivering quick decisions and funds as soon as the next business day.

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Pros
  • Borrowers with fair to good credit scores are typically accepted
  • Funds can be deposited as soon as the next business day.
  • Responsive support team available to assist borrowers.
Cons
  • Cannot be used for non-personal related expenses
  • Required documents may change based on your state of residence
  • Bad credit is likely an issue for eligibility
Loan Amount
$1,000 to $50,000 for Personal Loans1
Loan term
24 to 84 months
4.40
Rated on TrustPilot
Our Verdict

For consumers wanting to consolidate their debt or maybe fix a leaky roof, Upgrade can offer flexible personal loans up to $50,000 with no impact to credit to prequalify.1 The online application process is highly accessible, fast, and approvals can potentially come within minutes and funds deposited the same or next business day.5 Upgrade also has credit cards and rewards checking which earn cashback on debit card purchases.

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Pros
  • No prepayment penalties3
  • Checking your rate is free
  • Upgrade can even send funds directly to your creditors if you are consolidating debt.
  • Flexible loan terms4
Cons
  • Credit Check Required
  • May not qualify for an unsecured loan without a stronger credit score5
Loan Amount
Up to $10,000 for Title Loans1
0.00
Rated on TrustPilot
Our Verdict

If you need emergency financial assistance, a title loan secured through Atlanta Title Loans can be a lifeline. Our verdict is that Atlanta Title Loans has many physical locations that you can visit to submit an application (although if you prefer to begin your inquiry online, that is possible). Additionally, Atlanta Title Loans does require a credit check, but securing approval with poor credit may be possible.

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Pros
  • Securing a title loan with bad credit is possible
  • Can start application online
  • Drive your car during repayment process
  • Quick and simple approval process5
  • Funding is possible the same day or the next business day1 2
Cons
  • Using your car as collateral for a loan comes with risks, including repossession if you default on the loan
  • May need to drive to physical location for car inspection
  • Only available in Georgia
  • Car title must be lien-free in most cases
Loan Amount
$1,000 to $5,000 for Personal Loans1
3.70
Rated on TrustPilot
Our Verdict

For 102 years, United Finance has helped borrowers faced with unexpected financial hardships with personal and auto loans up to $5,000 for some eligible consumers.1 What sets United Finance apart from other lenders is their personal loans are designed to fit the budget, needs, and lifestyle of the borrower, paid back over time in predictable payments versus an expensive lump sum. Apply online and potentially receive funding within a few hours or the next business day, if approved.

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Pros
  • Fair, poor, or good credit borrowers are eligible for personal loans
  • Fast approval and competitive rates (especially for auto loans)4
  • Some consumers may be funded the same or by the next business day, pending approval5
Cons
  • Late and origination fees are not clearly stated
  • Not available nationwide
  • Some loans come with a hard credit check
  • Specific terms may be longer or shorter depending on the type of loan4
Loan Amount
Up to $20,000 for Installment and Personal Loans1
Loan term
12 to 36 months
4.80
Rated on TrustPilot
Our Verdict

If you're searching for cash now, Tower Loan can provide personal and installment loans up to $20,000 for some qualified borrowers, all with excellent customer service and an easy application process.1 Personal loans are offered either 100% online, or in-store, as well as installment loans which have fixed rates and predictable payments to fit your budget and lifestyle.

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Pros
  • Poor credit is not necessarily a deal breaker for personal and installment loans
  • Online or in-store options Flexible repayment terms
  • Receive loan potentially the same or by the next business day, if approved5
Cons
  • Some loans require collateral
  • Available in only 6 states
  • Consumers with lower FICO scores may have higher loan interest rates
Loan Amount
$500 to $25,000 for Title Loans1
0.00
Rated on TrustPilot
Our Verdict

American Title Loans can offer one of the speediest inquiry processes around and caters to borrowers without strong credit histories. Our verdict is that although limited in terms of accessibility, American Title Loans provides quality service to eligible borrowers.

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Pros
  • Bad credit borrowers may be eligible for title loans
  • In store options Quick approval4
  • Same-day funding is possible1 2
Cons
  • Vehicle repossession is a possibility if you default on your loan
  • Vehicle inspection required
Loan Amount
Up to $10,000 for Title Loans1
$100-$3,000 for Personal Loans1
Loan term
6-60 month terms
0.00
Rated on TrustPilot
Our Verdict

America's Loan Company provides title loans and personal loans to Ohio residents, catering to both good and bad credit scores. The application process can be completed online, ensuring convenience and quick access to funds. Our verdict is that since there are refinancing options available to qualified borrowers, along with other convenient perks and terms, America's Loan Company is a viable option for personal loans and title loans.

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Pros
  • Securing a loan against your car allows flexibility during the inquiry process
  • Bad credit may not hold you back
  • Quick approval process4
Cons
  • Only available in Ohio
  • Longer loan terms may lead to paying more in interest over time4
Loan Amount
Personal Loan Amount Depends on Income and Other Factors
Loan term
N/a
2.80
Rated on TrustPilot
Our Verdict

Our verdict is that Allied Cash Advance offers personal loans that provide flexibility because they can be repaid in convenient installments over time, allowing borrowers to have predictability during the repayment process.

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Pros
  • May Have the Ability to Obtain Higher Loan Amounts1
  • Previously filing for bankruptcy may not be an issue
  • Predictable installments2 4
Cons
  • Must have an active checking account for at least 30 days
  • Longer loan terms may lead to paying more in interest over time4
Loan Amount
Up to $15,000 for Title Loans1
$100-$500 for Payday Loans1
0.00
Rated on TrustPilot
Our Verdict

Our verdict surrounding Alabama Title Loans is that if you are searching for payday loans or a loan against your car, you can access a convenient application process online or in store!

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Pros
  • Title loans may be available to borrowers with bad credit
  • Quick approval process4
  • Receiving funds is possible the same day or the next business day1 2
Cons
  • Defaulting on a car loan can result in repossession
  • In-store inquiries only
  • Payday loans have shorter loan terms in some cases4
Loan Amount
$25 to $4,000 for Personal Loans1
Loan term
Up to 24 months
4.40
Rated on TrustPilot
Our Verdict

Getting a loan through Advance Financial 24/7 is straightforward and accessible to many borrowers, as it can be applied for online and in-store.

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Pros
  • Bad credit borrowers may be eligible In store options for some borrowers
  • Quick approval and competitive rates4
  • Permanent residents are also eligible to apply.1 2
Cons
  • Eligibility is dependent on varying factors, including the borrower’s state of residence
Loan Amount
$50-$600 for Payday Loans1
Loan term
2-4 weeks from the date of the loan
0.00
Rated on TrustPilot
Our Verdict

All-Star Payday Loans offers payday loan services in Michigan to help qualified individuals manage short-term financial needs. Payday loans are small, short-term loans typically due on the borrower's next payday and are often used for emergency expenses or unexpected bills. All-Star Payday Loans has multiple store locations, providing convenient access for individuals who need quick financial help to get their finances back on track.

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Pros
  • Bad credit borrowers may be eligible In store options available
  • Quick approval process4
  • Funding is possible as soon as the same or by the next business day1 2
Cons
  • Only Available in Michigan
  • Must have a current checking account
  • Shorten repayment terms4
Loan Amount
$300 to $5,000 Depending on the Loan1
Loan term
Up to 36 months
0.00
Rated on TrustPilot
Our Verdict

Advance America Loans is a financial services company that provides a range of quick cash solutions, including payday loans, personal installment loans, and title loans. Our verdict is that Advance America prioritizes fast funding and accessibility by offering fast inquiries and in-store or online options.5

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Pros
  • Bad credit borrowers may be eligible for title loans
  • In store or online options
  • Quick approval and competitive rates4
  • Funding is possible as soon as the same or by the next business day1 2
Cons
  • Securing a loan against your car can result in repossession if you default on your loan
  • Must have a bank account and SSN for an online loan
  • Payday loans have shorter repayment periods4
  • Required documents may change based on your state of residence
  • Repayment terms may be short depending on your state of residence4
Loan Amount
$5K to $50K for Personal Loans1
Loan term
Up to 60 months
4.80
Rated on TrustPilot
Our Verdict

Our verdict is that with over 20 years of experience, Achieve specializes in personalized loan options with fast funding and convenient inquiry processes. While personal loans can be an asset to many borrowers, some individuals may have more difficulty securing approval with a lower credit score.

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Pros
  • Streamlined approval and quick funding4 5
  • Primary purpose is to help consolidate debt
  • Funding is possible as soon as the same or by the next business day1 2
Cons
  • Online only
  • Origination fees, but no prepayment penalties
Loan Amount
$50 - $50001
4.70
Rated on TrustPilot
Our Verdict

ACE Cash Express is a financial services company with over 50 years of experience in business and over 850 locations. This experienced company is known for providing quick and convenient cash solutions, including payday, installment, and title loans, with streamlined application processes and fast approval times. ACE Cash Express also provides additional services such as check cashing, money transfers, and bill payment, making it a one-stop shop for various financial needs.

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Pros
  • Bad credit borrowers can secure title loans
  • In store options
  • Funding is possible in as little as 24 hours
  • Can add loan proceeds to a debit card for convenience
Cons
  • Required documents for approval can change based on your state of residence
  • Some financial products are not available in all states
Loan Amount
$250 to $4,0001
Loan term
Up to 24 Months
0.00
Rated on TrustPilot
Our Verdict

AAA1 Auto Title Loans specializes in providing connection to title loans to individuals who need quick access to cash. The application process emphasizes accessibility and quick funding, typically providing funds within a short time frame. Our verdict is that AAA1 Auto Title Loans can cater to those who may not have access to traditional lending options and focuses on convenience and speedy service.

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Pros
  • You may be able to get a title loan even if you have bad credit
  • There are no prepayment penalties on any loans3
  • Quick approval process4
  • Funding is possible the same day or the next business day1 2
Cons
  • Defaulting on secured loans like car title loans can result in repossession
  • Must provide proof of income, identity, and other documents to verify your information
  • Car title must be lien-free
Loan Amount
Up to $25001
Varies Depending on Your State of Residence
Loan term
Up to 30 Days for Payday Loans, 12 Months for Personal Loans
0.00
Rated on TrustPilot
Our Verdict

A-1 Payday Loans offers fast cash loans, typically ranging from $50 to $2,500, with a focus on quick approvals and friendly service.1 Established in 1997, they provide payday loans, installment loans, cash advances, and title loans to residents of Mississippi. The application process is straightforward, with quick funds available upon full approval.

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Pros
  • Bad credit borrowers may be eligible In store options
  • Quick approval and competitive rates4
  • Funding is possible as soon as the same or by the next business day1 2
Cons
  • Some loans only available in Mississippi
  • Must have an open bank account
  • Repayment terms may be longer or shorter depending on the type of financial product4
Loan Amount
$50-$4000 Depending on the Loan Type1
$50-$4000 Depending on the Loan Type1
Loan term
30 Days for Check Loans⁴
Title Loan Terms Vary by State⁴
0.00
Rated on TrustPilot
Our Verdict

3D Financial offers various loan options, including title loans and check loans with a focus on providing fast approval and personalized service. Our verdict is that 3D Loans can provide both online and in-store services, allowing borrowers to apply and receive funding quickly upon full eligibility.

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Pros
  • Securing a title loan with bad credit is possible
  • In store options for some borrowers
  • Convenient online and in -person vehicle inspections for title loans
  • Accessible Customer Portal to Manage Loan
  • Flexible payment options
Cons
  • Defaulting on a title loan can result in the repossession of your car
  • Required documents may change based on your state of residence
  • Storefront locations only available in certain locations
Loan Amount
$100-$10K for Title Loans1
0.00
Rated on TrustPilot
Our Verdict

208 Title Loans is a family-owned and locally operated business in Idaho, offering car title loans with competitive rates.4 With locations in Meridian and Boise, 208 Title Loans emphasizes transparency, no additional fees, and no prepayment penalties.3 Our verdict is that this company aims to provide exceptional service to qualified individuals experiencing financial emergencies.

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Pros
  • Borrowers without good credit may qualify
  • In store options for borrowers
  • Keep driving your car during the repayment process
  • Installment repayment options
  • Receive funding soon as the same or by the next business day1 2
Cons
  • Repossession is a consequence if you default on your loan
  • References are required
  • Only available in Idaho
Loan Amount
$2,500 to $50,000 for Title Loans1
$100-$2,5K for Personal Loans1
Loan term
Up to 48 months
3.80
Rated on TrustPilot
Our Verdict

5 Star Car Title Loans offers car title loans and personal loans to bad credit individuals needing quick cash. The company provides a simple online application process with speedy approval and no hidden fees. Our verdict is that since 2012, 5 Star Car Title Loans has been dedicated to providing excellent service and financial solutions, but they do not have in-person locations to submit inquiries.

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Pros
  • Bad credit borrowers may be eligible for title loans and personal loans
  • Quick approval process4
  • Funding is possible as soon as the same day or by the next business day1 2
Cons
  • Secured loans, like car title loans have the potential risk of repossession if you default on your loan
  • No in-store locations
  • Required documents may change based on your state of residence
Loan Amount
$2000 to $30000 for Title Loans1
Loan term
Up to 48 months
0.00
Rated on TrustPilot
Our Verdict

1(800)Car-Title specializes in providing car title loans and refinancing options, offering quick cash to individuals using their vehicle's title as collateral. This experienced affiliate of WCC emphasizes top-notch service and aims to make the loan process as simple and efficient as possible. Our verdict is that 1(800)Car-Title can provide exceptional service, but they only offer online inquiries, which can be disadvantageous to borrowers who prefer to apply for loans in person.

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Pros
  • Borrowers with bad credit may qualify for title loans
  • Borrowers have the option to refinance their car title loans or motorcycle title loans
  • Use your funds to handle any type of personal expense
Cons
  • Loan default may lead to repossession of your vehicle
  • No in-store options
  • Required documents may change based on your state of residence
  • Credit check is required
  • Cannot use a salvage title as collateral for the loan
Loan Amount
$1,000 to $40,0001
$100-$500 for Payday Loans1
3.80
Rated on TrustPilot
Our Verdict

For Tuscaloosa and Birmingham residents in Alabama, Title Loan Express can offer loans up to $40,000 based on their vehicle's value, no matter what FICO score they might have.1 Apply online with a 3-minute easy-to-use form, or visit a store location. After a quick vehicle inspection, get approved in 15 minutes or less with funding on the same day if approved.5 Not a vehicle owner? Payday loans up to $500 are also available, or if you have unwanted gold or jewelry, turn it in for some quick cash!

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Pros
  • Poor credit or bankruptcy consumers may still qualify for title or payday loans
  • No credit check or prepayment penalties3
  • $25 refer-a-friend program for eligible borrowers
  • 15 minute approvals possible with funding the same day or by the next business day, pending approval5
Cons
  • $500 maximum payday loan limit, which may not suit some financial circumstances
  • Only available in Alabama
  • Using a vehicle title as loan collateral could result in repossession of the vehicle if defaulted on
Loan Amount
$50 to $10,0001
Loans from $50 - $2,5001
0.00
Rated on TrustPilot
Our Verdict

TitleBucks can help you use the equity in your vehicle for fast cash when you need it most, with title loans up to $10,000.1 Start online with an easy application, then visit one of TitleBucks' 60+ store locations for an equally fast vehicle appraisal, and you could walk out the door with cash and your keys in as little as 30 minutes. RVs, motorcycles, trucks, cars–most things with wheels are accepted, and if you do not own a lien-free vehicle title, personal loans are also offered up to $2,500.

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Pros
  • Past bankruptcy and poor credit applicants may be eligible for title and personal loans
  • No prepayment penalties3
  • Online Customer Portal is available to manage payments and check balances.
  • Cash in as little as 30 minutes in-store!
  • Streamlined application
Cons
  • Some borrowers owning vehicles with lesser value may not qualify for larger loan amounts
  • Available in 6 states only
Loan Amount
$100 to $100,0001
Loan term
Payment schedule can be set as bi-weekly, semi-monthly, or monthly⁴
1.80
Rated on TrustPilot
Our Verdict

Tio Rico Te Ayuda is family owned and operated helping borrowers in need of quick cash with title loans and personal loans up to $100,000 in some cases.1 The approval process is streamlined for max efficiency either online, or at a branch location with funds delivered the same or next business day.

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Pros
  • Title loan first month free for first-time borrowers
  • Will pay $100 for switching over existing title loans
  • No prepayment penalties3
  • Many receive funding the same day or as quickly as the next business day, if approved5
Cons
  • When compared to other lenders, loans can have much higher interest rates
  • Available only in Arizona
  • Borrowers defaulting on title loans risk having their vehicles repossessed
Loan Amount
$100 to $1,0001
Loan term
1 to 3 months⁴
4.70
Rated on TrustPilot
Our Verdict

The Check Cashing Store has over 50 locations across Florida but also offers quick and convenient online payday loan applications for borrowers needing money ASAP, and money can be received in 15 minutes, if approved.5 Choose from a Payday or Payday PLUS loan, which offers up to $1,000 and can be paid back in multiple payments over time. Check cashing (of course), money transfers, and Western Union services are also provided at their store locations.

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Pros
  • Apply in-store or online and get approved in 15 minutes
  • No prepayment penalties3
  • Payday PLUS loans are paid in multiple payments with a higher loan amount
  • Eligible borrowers may receive cash on the same day or next business day, if approved5
Cons
  • Payday loans can come with higher interest rates and fees
  • Only available in Florida
  • Applicants must verify a steady income
  • Shorter repayment periods may be problematic for some consumers
Loan Amount
Up to $15,000 for Title Loans1
Up to $1,5001
Up to $1,2001
3.40
Rated on TrustPilot
Our Verdict

For 30 years and counting, Texas Car Title and Payday Loan Services, Inc. provides Texans with quick approvals online or in-store. Use the value in your lien-free vehicle title to access up to $15,000 by applying online and choosing a convenient location for a loan representative to perform an inspection, after which you could be funded the same day, if approved5. Payday loans are also available up to $1,200, as well as installment loans up to $1,500.

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Pros
  • Bad credit is welcome for loan products
  • Convenient in-store and online options 30-minute approvals and competitive rates4
  • Approved borrowers can receive cash the same day or by the next business day5
Cons
  • Loan and interest fee amounts may vary depending on the loan type
  • Available only in Texas
  • Interest rates may be considerably higher for short-term loan products
  • Failing to repay or defaulting on title loans may result in vehicle repossession
Loan Amount
$300 to $2,5001
Up to $4,000 for Lines of Credit1
$100-$400 for Payday Loans1
Loan term
Varies based on Loan Type or Credit Product⁴
0.00
Rated on TrustPilot
Our Verdict

Tennessee Title Loans, Inc. can help consumers needing speedy funding with payday and title loans, as well as lines of credit, with simple and easy online applications for all loan types. If you own a vehicle and the title is lien-free, up to $4,000 could be in your hands the same day following a quick vehicle inspection and approval.5 If you're not a car owner and still need quick cash, keep in mind that payday and lines of credit loans are also available.1

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Pros
  • Borrowers with bad, good, or no credit may be eligible for loans
  • No checking account required
  • For lines of credit, withdraw as much as needed as long as you do not exceed the loan limit
  • Potentially receive money the same day or by the next business day, if approved5
Cons
  • Maximum payday loan amount is $400, which may not need the needs of some consumers
  • Available only in Tennessee
  • Defaulting on title loans risks vehicle repossession in some cases
Loan Amount
$300 to $8001
Loan term
Up to 10 Months
4.30
Rated on TrustPilot
Our Verdict

Spotloan can deliver short-term installment loans up to $800 for first-time borrowers and is an excellent alternative to payday loans when cash is needed quickly to deal with a financial emergency, or just to make it to your next paycheck.1 With Spotloans, loans are tailored to fit your budget and situation, paid back over terms as long as 10 months instead of one lump-sum payment. Applying is super-easy, all online, taking only a few minutes and borrowers may be funded as soon as the same day or by the next business day, if approved.5

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Pros
  • Spotloan fully considers applicants with bad credit for installment loans
  • Prequalifying does not impact credit
  • Pay back loan in terms of up to 10 months
  • If approved, funds may be deposited as soon as the same day or by the next business day5
Cons
  • Interest rates may run as high as 490%
  • Not available nationwide
  • Borrowers are required to have active checking accounts
  • Although loan terms may be longer, it may potentially incur more interest being paid
Loan Amount
Up to $4,000 Depending on the Loan Type1
Loan term
Around 30 Days for Title Loans⁴
0.00
Rated on TrustPilot
Our Verdict

If you are in the greater Nashville area and you need access to quick cash, Tennessee Quick Cash delivers flex and title loans up to $6,500 for some eligible vehicle owners.1 Start the process online or in-store, and for title loans, vehicle estimates are free, and if approved, funding is possible on the same day–and you keep driving your vehicle as usual!

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Pros
  • Having bad credit may not be an issue
  • Apply online or in-store, with approvals possible in minutes
  • No prepayment penalties3
  • Some borrowers may receive cash the same day or by the next business day, if approved5
Cons
  • Flex Loans are available to Tennessee residents only
  • For title loans, defaulting or refusing to make payments may potentially result in vehicle repossession
Loan Amount
$300 to $15,000 Depending on the Loan Type1
0.00
Rated on TrustPilot
Our Verdict

If you're in Arizona and need quick cash and traditional banks won't give you the time of day, Southwest Title Loans can offer $300 to $15,000 using your vehicle title as collateral, with same-day funding possible, if approved.5 If you'd rather not visit a store location, just apply online and choose a location for your vehicle inspection and be approved in 20 minutes or less. If you don't own a vehicle or have a lien-free title, you may also apply for a registration loan and be eligible for the same competitive rates!

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Pros
  • Apply online or in-store with minimum hassle
  • Refinancing available and no prepayment penalties3
  • If approved, receive cash the same day or by the next business day⁵
Cons
  • Title loans may include higher interest rates and are not meant for long-term financial needs
  • Only available in Arizona
  • Borrowers who default or do not fully pay back title loans can potentially risk vehicle repossession
Loan Amount
$5,000 to $100,0001
Loan term
Up to 84 Months
4.20
Rated on TrustPilot
Our Verdict

For one of the best online personal loan experiences available, SoFi ("Social Finance") can potentially fund up to $100,000 by the same or the next business day, if approved.5 Prequalify online with no credit impact and get approved within minutes. With SoFi, there are no loan origination fees or prepayment penalties, in addition to home loans and even student loan refinancing. Via Allpoint, SoFi has a vast ATM network that is convenient to use.

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Pros
  • Apply online with loans available nationwide
  • $300 bank account bonus for new consumers
  • Potential funding the next business day, if approved5
Cons
  • Borrowers must have at least a 680 FICO score
  • Cannot apply for less that $5,000 loan amount
  • Loans come with a hard credit check
Loan Amount
$100 to $50,0001
Loan term
3 to 60 months
0.00
Rated on TrustPilot
Our Verdict

If you need speedy funding with a hassle-free experience, Simple Cash Title Loans provides a straightforward, streamlined online application process to potentially approve you for up to $50,000 based on the equity in your vehicle.1 Apply online 24/7 or speak with a loan expert over the phone, then take a few required documents to a store location for a quick vehicle inspection and if approved, receive cash as soon as the next business day.

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Pros
  • Borrowers with poor credit or no bank account are welcome
  • Easy 24/7 online application process
  • Flexible and convenient payment options
  • After a vehicle inspection, receive funds as soon as the the next business day, if approved5
Cons
  • Minimum loan amounts can vary by state
  • Not available nationwide
  • Loans come with 5% origination fees
  • Fees and interest rates may be higher compared to other traditional loans4
Loan Amount
$477 to $2,6001
Loan term
8 to 21 months
0.00
Rated on TrustPilot
Our Verdict

Security Finance has been established for over 65 years, offering personal loans up to $2,600 for consumers who may have less-than-ideal credit and need funding for debt consolidation or unexpected emergencies.1 Apply either in-store or online and potentially receive funding the same day or next business day, if approved.5 Security Finance also offers a convenient mobile app and online customer portal as well as tax preparation and filing services.

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Pros
  • Consumers with bad credit may still be approved for installment loans
  • No prepayment penalties3
  • Loan refinancing available to potentially lock in better interest rates4
  • Borrowers can receive funds as soon as the same day or by the next business day, if approved5
Cons
  • Loan amounts significantly vary by state
  • Services select states only
Loan Amount
$400 to $4,000 for Personal Installment Loans1
Loan term
12 to 24 months
2.00
Rated on TrustPilot
Our Verdict

If you’re looking for quick funding while also building your credit, SAIL Loans offers installment loans up to $4,000 with cash deposited the same business day.1 Applying is straightforward. Start out using an easy online application and potentially be approved within minutes. Repayment terms are flexible, and the best part is that as a credit builder loan is repaid on time, positive credit history is established.

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Pros
  • Consumers with poor credit may still be eligible for installment loans
  • Fast approval online with funds deposited the same business day, if approved5
  • Build credit over the loan term with a customer savings component received 15 business days after the final loan payment
  • “Refer-a-Friend” referral program with $50 paid to borrowers and $25 to the referred individual
Cons
  • Actual loan amount is state regulated
  • Only available in specific states
  • Depending on credit, interest rates may be significantly higher compared to other traditional loans
Loan Amount
Loan Amounts for Payday Loans and Title Loans vary by State1
Installment Loans Up to $1,0001
Loan term
Up to 6 Months Depending on the Loan Product⁴
0.00
Rated on TrustPilot
Our Verdict

Check City offers fast loans for whatever urgent financial needs consumers are facing, including installment loans, payday loans, title loans, and lines of credit, and they’ve been doing it well since 1986. Check City is known not only for stellar customer service but also for being a direct lender for payday loans, which can simplify the process if you’re applying online.

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Pros
  • Easy online and in-store application process
  • Borrowers can make partial payments without additional fees
  • Receive cash the same day or by the next business day1 2
Cons
  • Services not available nationwide
  • Only a maximum of $500 is available for installment loans1
  • If a consumer wants to opt out of ACH payments, a small origination fee is applied
Loan Amount
Up to $1,500 for Installment Loans Up to $3,000 Depending on the State for Lines of Credit1
Loan term
Varies by Loan Type
4.60
Rated on TrustPilot
Our Verdict

CashNetUSA is a widely-known online lender providing lines of credit, installment loans, and connections to other lenders for over 16 years. They are there for those who need cash fast but may have trouble getting a loan through a traditional bank due to bad credit. Their simple-to-use website allows you to apply for a loan and check your eligibility in minutes, and you can manage your account easily, all online. Funds can be in your account as soon as the next business day, if qualified.5

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Pros
  • Quick and straightforward application process
  • Borrowers can manage payments and check their status easily online
  • Fast approval is possible5
  • Direct deposit as soon as the next business day1 2
Cons
  • Not available nationwide and some specific loans vary by state
  • Only available online
Loan Amount
$2,000 to $45,000 for Personal Loans1
0.00
Rated on TrustPilot
Our Verdict

Rocket Loans has the personal loan application process streamlined to a science, with online pre-qualifications not impacting credit and funding up to $45,000, if eligible and approved.5 Unsecured personal loans come with predictable, single, fixed monthly payments, which can allow for greater flexibility and no surprises down the line, and Rocket Loans can be used to pay for a multitude of things, like debt consolidation, or simply not dipping into your savings to cover unexpected expenses.

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Pros
  • Total online experience from start to finish with no credit impact to pre-qualify
  • Unlike credit cards, loans have fixed payments and a clear track to pay off
  • No prepayment penalties3
  • Receive funds in your bank account the same day or by the next business day, if approved5
Cons
  • 9% origination fee for each loan
  • Not available nationwide
  • $15 late fee charge per payment cycle
  • Maximum 29.99% APR may be higher when compared to some traditional loans
Loan Amount
Up to $25,000 for Personal Loans1
Loan term
12 to 60 months
2.90
Rated on TrustPilot
Our Verdict

For over 70 years and counting, Republic Finance has delivered personal loans up to $25,000 for borrowers needing quick funding and an alternative to traditional banks and other lenders.1 Whether online or at one of Republic's 100+ branch locations, pre-qualify in minutes with no credit check and potentially be approved the same or by the next business day with a check in hand.

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Pros
  • Pre-qualify online or in-store with no credit score impact
  • Credit protection insurance offered
  • Loan refinancing is available to potentially lower existing rates
  • Pending approval, receive funds either the same day or by the next business day5
Cons
  • Secured loans require insurance and collateral
  • Not available in all states
  • Maximum loan amounts and other terms vary by state
  • Proceeding with a loan will impact FICO scores
Loan Amount
Up to $35,000 for Personal Loans1
4.70
Rated on TrustPilot
Our Verdict

Regional Finance offers personal loans up to $12,000 to borrowers for whatever financial need they might be facing. Some borrowers will be eligible to apply for up to $35,000!1 Apply online or at one of their 350 store locations across the U.S. and be pre-approved without impacting your credit. Loans come with flexible repayment plans, and insurance may be added for greater protection.4 Regional Finance also provides auto-pay discounts.

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Pros
  • Borrowers from all credit backgrounds eligible for personal loans
  • Credit life or disability insurance can be added to loans for extra protection
  • No prepayment penalties3
  • After approval, receive funds the same day or by the next business day5
Cons
  • Loans require collateral (personal property, etc.) and it must be insured
  • Available only in 19 states
  • Some loan terms and rates may differ significantly over various states
Loan Amount
Up to 10,0001
Loan term
Up to 12 Months
1.20
Rated on TrustPilot
Our Verdict

Rapid Auto Loans serves Florida borrowers needing fast funding with an easy application process and same-day funding, if approved.5 Apply online or at one of Rapid Auto Loans' 22 store locations and potentially be approved in as little as 30 minutes and after a vehicle inspection.

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Pros
  • Borrowers with no or poor credit may still be eligible for title loans
  • No employment verification or prepayment penalties3
  • 10-day grace period with no penalties if payments late
  • Following vehicle inspection and approval, funding may be possible the same business day5
Cons
  • Interest rates range from 18% to 30%, which may be higher compared to traditional loans
  • Available only in Florida
  • Although the repayment period is 12 months, it still may not be long enough for some consumers
Loan Amount
Up to $50,000 for Personal Loans1
0.00
Rated on TrustPilot
Our Verdict

Prosper is a trailblazer for the "peer-to-peer" lending platform back in 2005 and can offer borrowers personal loans up to $50,000 by connecting them with individual investors with much more flexibility compared to more traditional loans.1 Use personal loans for debt consolidation, home improvements, or to help with a financial emergency. Apply online via an easy form to check loan rates and receive funds in your account in one to three business days, if approved.

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Pros
  • Good credit borrowers may receive lower loan interest rates
  • To increase chances of loan approval, co-signers are allowed
  • No prepayment penalties or hidden fees3
  • Receive funds in one to three business days, if approved and depending on the bank5
Cons
  • Loans available in only fixed 3 to 5 year terms
  • Minimum 640 credit score required
  • No adjustment to payment schedule is allowed
  • If insufficient interest from investors, funding and loan approval may take longer
Loan Amount
$200-$100,0001
0.00
Rated on TrustPilot
Our Verdict

If you're in Phoenix or Mesa, Arizona, Presto Title Loans can help you secure an affordable title loan if you own a vehicle with a lien-free title and need cash pronto. Apply online or at one of their seven store locations with minimal paperwork and minimal hassle, follow it up with a quick vehicle inspection, and drive away with much-needed cash in as little as 30 minutes, if approved.5 With Presto Title Loans, you stay in the driver's seat for the entire duration of the loan as long as you keep up with your payments.

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Pros
  • Interest is half the maximum legal rate
  • No prepayment penalties3
  • Loans amortized; payments go towards paying off loan amount only
  • Following a vehicle inspection, receive funds the same day or by the next business day, if approved5
Cons
  • Borrowers who default or fail to pay back title loans may risk vehicle repossession
  • Available in Arizona only
  • Although interest rates are low, title loan rates may add up quickly over time
Loan Amount
Up to $100,0001
0.00
Rated on TrustPilot
Our Verdict

If you're in Arizona, you may already know that Phoenix Title Loans is an institution, offering up to $100,000 through title loans to qualified borrowers needing instant funding when other lenders have turned them away.1 Choose how you'd like to apply, either online via a real-time chat with a friendly loan agent, or visit one of their 10 Valley locations where, after finishing some paperwork and a quick vehicle inspection, you walkway with cash in one hand and your keys in the other.5 Refinancing is also available on existing title loans with an extra $50 cash back.

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Pros
  • Borrowers with all credit profiles may still be eligible for title loans
  • Out of state registered vehicles can still apply (with a lien-free Arizona title)
  • No credit checks and refinancing available on existing title loans for a potential lower interest rate
  • Following a vehicle inspection and approval, receive cash the same day or by the next business day5
Cons
  • Title loans available only on vehicles with a Kelley Blue Book value over $2,500
  • Only operates in the State of Arizona
  • 35.99% maximum APR, which may be higher compared to other traditional loans
  • Defaulting on title loans may lead to potential vehicle repossession in some cases
Loan Amount
$100 to $5001
0.00
Rated on TrustPilot
Our Verdict

In the Bowling Green area, Peoples Cash Advance has been the place to go for easy, convenient payday loans up to $500, and they've been doing it for over 20 years.1 Just visit one of their store locations with a few required documents (valid I.D., most recent pay stub, and bank statement) and you can potentially receive funding the same business day.

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Pros
  • Apply in-store and be approved potentially the same business day with no credit check required
  • Convenient cash checking, faxing, and notary services available
  • Receive up to $500 in cash the same business day, if qualified5
Cons
  • Short-term loans can come with higher interest rates
  • Available only to Kentucky residents
  • Payday loan amounts may not be sufficient to cover some financial needs and even result in a cycle of recurring debt
Loan Amount
$300 to $5,600 for Personal Loans1
0.00
Rated on TrustPilot
Our Verdict

Oportun provides personal loans to borrowers with poor or no credit history, up to $5,600, either online or at a store location.1 The application process is easy and streamlined, and prequalification won't impact credit scores. Approved applicants may receive funds the same day or by the next business day.5 Oportun also offers a convenient mobile app!

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Pros
  • Easy application process with approvals possible in minutes
  • Fixed monthly payments and clear terms
  • Reports payment history to major credit bureaus to build credit
  • Upon approval, funding may be deposited the same day or by the next business day5
Cons
  • New borrowers are not eligible for loan amounts over $6,000
  • Available in select states only
  • Charge an Administrative Fee (tax stamp) upon approving loans
  • Interest rates may be higher compared to traditional loans
Loan Amount
$100 to $25,000 for Title Loans1
Loan Amounts for Payday Loans Vary by State
Loan term
Typically Around 14-30 Days
4.60
Rated on TrustPilot
Our Verdict

With many locations in 19 states, Check into Cash has offered a wide range of financial services for short-term cash needs since 1993. From payday loans and title loans to installment loans and more, Check into Cash has a simple application process available online or in-store for your ease, with funds available as soon as the same day if approved.5 Apart from loans, check cashing and Western Union services are also available.

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Pros
  • Apply online or in-store and be approved in just a few minutes5
  • Upfront and clear information on fees, terms, and repayment schedules
  • May be able to buy out existing title loans for a larger amount
  • Get money the same day or by the next business day1 2
Cons
  • Title loans come with the risk of repossession for non-payment
  • Not a nationwide service
  • Only allows one loan or credit product at a time
  • Payday loans can have high APRs, given their short-term nature
Loan Amount
Varies for Payday Loans
0.00
Rated on TrustPilot
Our Verdict

For those needing a short-term financial solution, CheckSmart can provide convenient payday loans with some of the best customer service around. With a simplified and easy application process, borrowers can get approved quickly and deal with personal expense.

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Pros
  • No prepayment penalties for paying loans off early.³
  • Bad credit is not necessarily a deciding factor on approvals⁵
  • Receive cash the same day if you apply in-store or by the next business day if you apply online¹ ²
Cons
  • Some loans and loan amounts vary by specific states¹
  • For some loans, credit checks occur during the application process
Loan Amount
$50 to $5,000 for Personal Loans1
0.00
Rated on TrustPilot
Our Verdict

If your credit isn't the best, CocoLoan can connect you with a wide network of lenders and compare multiple offers with competitive rates.4 Instead of searching for the best lender on your own, CocoLoan does it for you as quickly and efficiently as possible. With CocoLoan, choose the offer that fits your needs, and you can get funding the same or by the next business day, all without leaving your couch.

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Pros
  • Borrowers with poor credit can apply for loans
  • Initial application can be completed in as little as 5 minutes
  • Provides educational resources on budget management
  • Funds deposited in as little as one business day, if approved5
Cons
  • Not available in all states
  • Not a direct lender, any problems encountered have to go through the third-party loan lender
Loan Amount
Up to $5,0001
Loan term
6-24 Months
3.00
Rated on TrustPilot
Our Verdict

You need cash now. Check. You own a lien-free vehicle in your name. Check. With a title loan, Credex takes the equity in your car and can potentially give you up to $5,000 the same business day, if qualified.1 The process is simple, just fill out their online form, take your vehicle to a convenient Credex location for a quick inspection, and then get approved within 20 minutes or less with cash in your hand the same day, in some cases.

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Pros
  • Approvals in 20 minutes5
  • No credit checks
  • Flexible 6 to 24 month repayment terms4
  • Get cash the same or by the next business day1 2
Cons
  • Only available in Florida
  • Requires a physical vehicle inspection
  • Defaulting or failing to make loan payments can potentially lead to vehicle repossession
Loan Amount
Up to $1,000 for Installment Loans1
0.00
Rated on TrustPilot
Our Verdict

Need money fast to deal with personal expenses? Credit Fair-E cuts out the middleman to offer up to $1,000 as soon as the next day to eligible borrowers.1

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Pros
  • No hidden fees3
  • Reports payments to Transunion, building or rebuilding credit
  • Bad credit is ok5
  • Funding is possible as soon as the next business day1 2
Cons
  • Entirely online process with no in-store or person-to-person options
  • Only available in Ohio and Kentucky
Loan Amount
$500 to $5,000 for Personal Lines of Credit1
4.50
Rated on TrustPilot
Our Verdict

Since 2019, CreditFresh has helped those with poor credit or no credit at all access a personal line of credit from $500 to $5,000.1 A simple, easy-to-use online application allows you to check your eligibility and receive the financial help you need upon full approval.

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Pros
  • No hidden fees
  • If approved, access funds the same business day5
  • Potential credit line increases for on-time payments
Cons
  • Lower maximum credit limit of $5,000
  • Available in 25 states only
  • No standardized APR making actual borrowing cost unclear
Loan Amount
$300 to $5,0001
Loan term
Up to 24 Months
4.50
Rated on TrustPilot
Our Verdict

CreditNinja can deliver flexible personal loans with "ninja" swiftness, even if you may have bad credit. Start out with their simple, streamlined application and get approved in just a few minutes, with funds directly deposited as soon as the next business day.

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Pros
  • Applicants with bad credit can be approved
  • No prepayment fees3
  • Funding possible as soon as the next business day1 2
Cons
  • Not available nationwide
  • Charges an origination fee of up to 5% of the loan amount
Loan Amount
Up to $15,000 for Title Loans1
0.00
Rated on TrustPilot
Our Verdict

If you're dealing with an unexpected emergency or pending bills, Delaware Title Loans, Inc. can deliver fast funds with competitive rates with title loans up to $15,000.1 4 Start by filling out their easy online form, speak to a friendly loan representative, then visit a convenient store location or arrange a mobile visit where your vehicle will get a quick inspection and based on its value, you can receive the urgent cash you need in 30 minutes or less.

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Pros
  • Borrowers may be eligible for title loans even with poor or no credit
  • No checking account required
  • Quick and easy approval process5
  • Funding is possible in 30 minutes or by the next business day1 2
Cons
  • Only available in Delaware
  • Title loans can come with higher interest rates
  • Repayment terms may vary greatly depending on the type of financial product4
Loan Amount
$125 to $10,0001
Loan term
Up to 6 Months
0.00
Rated on TrustPilot
Our Verdict

Discount Car Title Loan can assist Texas residents who need cash immediately with title loans from $125 to $10,000 with funding possible the same day, plus various discounts that set them apart from other similar companies.1 Choose to start your simple application online or in-store, with the option of getting "optimized" with their proprietary online tool to pick the right loan amount and payment terms.

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Pros
  • Get approved in 30 minutes or less in most cases5
  • Funds directly deposited as soon as the next business day
  • Proprietary Loan Optimizer Software to gauge the most ideal loan amount and terms1 4
Cons
  • Only available in Texas
  • Not a direct lender
  • Repossession can occur if borrower defaults on loan
Loan Amount
Up to 50,000 for Title Loans1
Up to $1,500 for Cash Advance Installment Loans1
0.00
Rated on TrustPilot
Our Verdict

If you're in the Lone Star State, Check N Title Loans offers title and installment loans if you're in a financial snag, and you can easily apply online or in-store and get up to $50,000 for title loans.1

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Pros
  • Will meet or beat competitor rates and fees
  • Higher loan amounts up to $50,000.1
  • Fast approval with competitive rates4
Cons
  • Defaulting or excessive nonpayment may result in vehicle repossession
  • Only available in Texas
  • Short-term loans may come with higher interest rates4
Loan Amount
Up to $255 for Payday Loans1
Loan term
Up to 31 Days
3.20
Rated on TrustPilot
Our Verdict

Cash Central Loans offers in-store and online loans for applicants who may have bad credit since 2010. The application process is quick, streamlined, and you can bridge the gap in between paychecks.

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Pros
  • You can apply 24/7 online with minimal documents to submit
  • Your credit score is not impacted when applying, even if you are not approved
  • Apply and get approved prior to 7:45 PM EST Monday-Thursday, and you can get the funding amount by the next business day.
Cons
  • Only Kansas applicants can apply for lines of credit
  • Cash Central only services 13 states
  • Loan amounts and rates differ between states with $25 - $75 origination fees, although it is combined with your APR
Loan Amount
$601 - $15,000 for Title Loans1
0.00
Rated on TrustPilot
Our Verdict

Carolina Title Loans Inc. offers online and in-store title loans as well as installment loans and has been doing so for 30 years. The application process is easy and streamlined, with some cash approvals in as little as 30 minutes. Our verdict is that Carolina Title Loans Inc. clearly respects the applicants who choose them, displays great service, and can be an option for those who may have been turned down by a traditional bank.1

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Pros
  • Simple application and you can apply even with bad credit5
  • Prioritize good service for a personal touch
  • Borrowers can pay off their loans early without prepayment penalty fees3
  • Refinance options are available, if qualified
Cons
  • Services are available to South Carolina residents only
  • If you fail to repay a title loan, your car may be repossessed
  • Interest rates may be higher compared to other types of loans
Loan Amount
Up to $255 for Payday Loans1
Loan term
Up to 14 Days
0.00
Rated on TrustPilot
Our Verdict

California Check Cashing Stores offers payday loans for California Residents up to $255 with various ways to apply for quick cash as well as convenient check cashing services.1 One of the biggest perks is their fast and easy application process, letting you receive money either the same or the next business day.

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Pros
  • Receive up to $255 for a payday loan with fast approval possible1 5
  • In store options at 70 locations
  • A focus on personal help and guidance by knowledgeable representatives
  • Check cashing services are available for those without a checking account
Cons
  • You must apply at a store location only (no online option)
  • Only available in California
  • Payday loan amount may not be enough for some applicants
Loan Amount
$2,000 to $30,0001
Loan term
Up to 60 months
1.20
Rated on TrustPilot
Our Verdict

If you're already a Citibank consumer and need urgent cash for home improvements, debt consolidation, or an unexpected emergency, Citi Personal Loans can fund up to $30,000 the same day, if qualified.1 5 One of the best parts is that you choose the loan amount right for you with a fixed monthly payment, convenient terms, and no hidden fees. Also, a preliminary check of your rate will not affect your credit score.3

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Pros
  • Can repay the loan over 12, 24, 36, 48 or 60 months
  • See potential rate without impacting credit
  • No late, prepayment, or hidden fees3
Cons
  • Only available to qualifying Citi accounts in the U.S.
  • Minimum loan is $2,000, which may be too large for those wanting smaller loan amounts1
Loan Amount
$100 to $50,000 for Title Loans1
Up to $4,000 for Installment Loans1
Loan term
Up to 90 Days for Installment Loans⁴
4.70
Rated on TrustPilot
Our Verdict

Cash 1 Loans can help you learn how to utilize your vehicle’s equity to secure fast funds for title loans. Or, you can get an installment loan of up to $4,000.1 Established in 1999, they provide a variety of financial products to people of Arizona, Idaho, Louisiana, Nevada, Missouri, Utah, and Kansas. Cash 1’s fast approval process lets you know your potential loan amount in minutes, with funding received within 24 hours in some cases.

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Pros
  • There are no prepayment penalties and qualifying is possible even with bad credit3 5
  • Offers very thorough FAQ website page as well as downloadable App option
  • Emergency cash can be directly deposited within one business day
Cons
  • You can be pre-approved online, but must finish the process at an in-store location, so could be inconvenient for some
  • There are 7 storefront locations, but may not be accessible to all
3.40
Rated on TrustPilot
Our Verdict

Cash Express stands out as an accessible and easy option if you need urgent funding, offering an array of products from payday and flex loans, to title and installment loans. They are known for providing fast loan approvals and outstanding customer service.5 However, Cash Express only services four states, so may not be available to a wider consumer base.

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Pros
  • Streamlined application with fast approval, allowing borrowers to get money as soon as the same day5
  • From payday loans to title and installment loans, you have flexibility in choosing a loan option
  • No prepayment penalty fee for early loan payoff3
Cons
  • Although you can apply online, you must finish the process at an in-store location
  • Some loans may incur higher interest rates
  • Title loans are not available for consumers in all 4 serviced states
Loan Amount
$15,000-$50,000 Depending on the State1
4.50
Rated on TrustPilot
Our Verdict

Need cash and own a car? ChoiceCash title loans can help you with a vehicle title loan based on the equity in your car, and the application process isn't as hard as you may think.1 Go online and fill out the prequalification form, and you may get cash as soon as the same day, if approved.5 The best part is you keep your wheels the entire duration of the loan, as long as you make your payments on time.

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Pros
  • Apply online and get funded in as little as one business day if approved5
  • No prepayment penalties3
  • No physical vehicle inspection or store visit is necessary
Cons
  • Not available nationwide
  • Failing to pay or defaulting on a title loan risks vehicle repossession
Loan Amount
Up to $1,5001
Loan term
Up to 24 Months
0.00
Rated on TrustPilot
Our Verdict

When traditional banks turn you down, Checkmate may be able to provide fast and convenient loan options online or in-store with funding as soon as the same or the next business day.5

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Pros
  • Borrowers with bad credit can still apply
  • Convenient repayment options, including in-store or online
  • Receive cash as soon as the same day or by the next business day1 2
Cons
  • Not all consumers qualify for maximum loan amounts
  • Only available in 5 states
  • Payday loans can come with higher APRs compared to other traditional loans
Loan Amount
Up to $5,000 for Installment Loans1
Loan Amounts: Varies by State for Payday Loans1
4.50
Rated on TrustPilot
Our Verdict

If you need emergency cash fast, Check ‘n Go can help out with payday, personal, or installment loans, and they’ve been doing it since 1994. Either visit a store location closest to you, or fill out their easy online application, and you can be funded as soon as the next business day.5 Even those who’ve filed for bankruptcy in the past and are no longer in active bankruptcy are welcome to apply. Plus, Check ‘n Go can offer exceptional customer service, and loans can be managed online or through their mobile app.

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Pros
  • Easy application process and rapid approval5
  • No prepayment penalties3
  • Extended repayment plans for payday loans are available, if qualified
  • In-person check cashing and Netspend Prepaid Mastercard services offered
Cons
  • Only available in certain states, not nationwide
  • Applying may include a credit check
  • Cosigners are not accepted
Loan Amount
$150 to $3001
3.30
Rated on TrustPilot
Our Verdict

Cashback Loans has served residents of Southern California since 2003 for when they need money fast with an easy, transparent application process and excellent customer service. One of the best parts of Cashback Loans is they are a direct payday loan lender, and borrowers don't have to work with third parties. You can now also apply totally online or visit one of Cashback Loans 7 locations.

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Pros
  • Less strict requirements for a loan compared to other types of loan options
  • In store and online options
  • No collateral required
  • Receive funds online or in store the same day, if approved5
Cons
  • Not a solution for long term financial issues
  • Only available in California
  • Some payday loans can come with higher interest rates4
Loan Amount
$50 to $255 for Payday Loans1
Loan term
2-4 Weeks
0.00
Rated on TrustPilot
Our Verdict

CashMax can help if need money quickly, offering an easy application process for payday loans with funds hitting your bank account as soon as the same day if approved.

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Pros
  • Fast application process with some approvals in 15 minutes or less5
  • Some loans have flexible repayment plans to fit different budgets
  • Apply online or instore for maximum flexibility and convenience
  • Site has an informative blog for educating borrowers
Cons
  • Only operates in Texas
  • Not all consumers are eligible for the maximum loan amount
  • After receiving over $1,000 in funding, total loan amount for repayment doubles4
  • Title loans come with risk of vehicle repossession if not paid in full
Loan Amount
$100 to $100,0001
0.00
Rated on TrustPilot
Our Verdict

Cash Time Loan Centers has 25 years of delivering financial solutions to those who need it most with personal, title, and registration loans. Start your application online, or in person at one of their 18 Arizona locations and get funds the same day.5 Maybe you already have a title loan–no problem, Cash Time can try to buy out and refinance existing title loans for the best rate and terms possible and you get to keep driving your vehicle throughout the repayment process.

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Pros
  • Fast application process with some approvals in less than 30 minutes
  • No prepayment penalties.3
  • No or bad credit is okay
  • Depending on the loan, flexible repayment options are available
Cons
  • Only available to Arizona consumers
  • Loans can have shorter repayment periods, which can be a negative if you need more time to repay4
  • Some financial services are not available at all store locations
Loan Amount
Up to 50,000 for Title Loans1
Loan term
Up to 90 Days for Installment Loans
2.10
Rated on TrustPilot
Our Verdict

In a financial pinch? Cash One links you to a vast network of lenders offering the best payday loan option available, no matter the emergency you might be facing. Cash One is upfront and straightforward about the loan process and what it entails, from an educational blog covering topics like saving money on a low income and even financial tips for budgeting. Approval can be fast, and much-needed funds will be in your hands just as quickly.

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Pros
  • No prepayment penalties for paying loans off early.3
  • Bad credit is not necessarily a deciding factor on approval5
  • Receive cash the same day or by the next business day1 2
Cons
  • Only short-term loans are offered
  • Does not service every state
  • Repayment schedule depends on lender terms and could be potentially shorter or longer4
Loan Amount
Up to $2,500 for Personal Loans1
0.00
Rated on TrustPilot
Our Verdict

Their application process is super-simple, you can start it online or in the store and receive cash in your hands that same business day, if qualified.5 Cash King also offers Western Union bill pay services and can give you cash for unused jewelry or gold. A major perk of applying with a Cash King payday loan is the finance charge is waived on your first loan.

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Pros
  • Fast and easy application with approvals possible within minutes, if qualified5
  • Cater to online and person-to-person consumers
  • Initially applying does not impact your FICO score
Cons
  • A payday loan comes with higher interest rates vs. traditional loans
  • Only available in 3 Indiana locations
  • With shorter repayment periods, a payday loan may have a higher monthly payment and can cause a financial burden if not paid off promptly4
Loan Amount
Up to $2,000 for Installment Loans1
Loan term
90 Days to 18 Months Depending on Your State of Residence
4.30
Rated on TrustPilot
Our Verdict

Cash Factory USA is just one click away if you need cash fast and would rather apply from the comfort of your home. They specialize in installment loans up to $2,000, if qualified. One of the best things about Cash Factory USA is the ease of applying, and their lightning-fast approval process, with funds direct-deposited into your account as soon as the same day.5 They also are upfront and transparent regarding interest rates, fees, and repayment schedules. Cash Factory USA services consumers in just 7 states, but they aim to branch out in the future.

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Pros
  • Fast approval process, making them a go-to for emergency situations5
  • Operating fully online, you can apply, check the status of, and easily manage repayments of a loan anytime/anywhere
  • Provide clear information about fees, terms and repayment schedules
Cons
  • If you prefer a face-to-face application process, Cash Factory USA is a strictly online platform
  • Only available in 7 states, not nationwide
Loan Amount
Up to $5,000 for Signature Loans1
4.80
Rated on TrustPilot
Our Verdict

Everyone needs help now and then, with Dollar Loan Center (DLC), those quick cash solutions are available for you, even with no checking account. DLC is not your typical payday loan company, their short-term loans do not accrue compound interest in addition to having much lower interest rates, and guarantee to beat the rate of any other company in your area, or your loan is free. Applying for a DLC signature loan is simple and fast, with most approvals in just minutes and funds available on the same or by the next business day.

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Pros
  • Bad or no credit borrowers may be eligible for personal loans
  • Fast approval and highly competitive interest rates4
  • Debit card funding available the same next business day1 2
Cons
  • Applying comes with a hard credit check
  • Only available in select states
  • Repayments may vary greatly depending on the type of loan product4
Loan Amount
$500 to $4,0001
Loan term
9-18 Months
0.00
Rated on TrustPilot
Our Verdict

For consumers with poor or maybe fair credit, OppLoans can provide personal and installment loans ranging from $500 to $4,000 with no hidden charges and a predictable fixed rate.1 The application process is entirely online through a simple-to-use form where borrowers are matched with the lender right for them followed by funding the same or by the next business day, pending approval.5 OppLoans also offers "OppU" to help educate borrowers on topics like financial planning and managing their money.

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Pros
  • Apply online with potential approval in minutes
  • Loans come with fixed rates and no hidden fees
  • No prepayment penalties3
  • After approval, funding may be received the same day or by the next business day5
Cons
  • For borrowers with low credit, APRs may still be higher
  • Not available nationwide
  • Some loan terms may be shorter or longer depending on the type of financial product and state4
Loan Amount
$100 to $10,000 for Title Loans1
0.00
Rated on TrustPilot
Our Verdict

Northwest Title Loans can help those needing fast cash with minimal paperwork and up to $10,000 through title loans based on the vehicle's value.1 Start the process with an easy online form, or visit a Northwest store location–either way, expect a straightforward application and with approvals in as little as 20 minutes, with funds received the same business day, if qualified.

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Pros
  • Self-employed or unemployed applicants may still be eligible for title loans
  • No prepayment penalties3
  • 20 minute approvals with funding the same day or by the next business day, if qualified5
Cons
  • Loan amounts can vary greatly by state
  • Not available nationwide
  • Vehicle repossessions can occur in some cases if a loan is defaulted on
Loan Amount
Up to $5,000 for Installment Loans1
4.10
Rated on TrustPilot
Our Verdict

When traditional banks or other lenders have turned you down, Cash Store can be a convenient, viable option for you if you need cash fast. Cash Store offers personal, installment, and title loans ranging from $500 to $25,000, and you don't have to wait overnight for approval.1 With over 230 store locations in Wisconsin, Illinois and Texas, if you'd rather get your loan in-person, Cash Store is the way to go. Plus, take advantage of their referral program and get extra cash by referring your friends.

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Pros
  • Approvals in 20 minutes with funds provided the same or next business day5
  • No credit score necessary and high approval rates4
  • Consumers pre-approved for next loan if in good standing
Cons
  • Payday loans can come with higher interest rates compared to some traditional-type loans
  • Located in three states only
  • Borrowers cannot manage loans online, which may be inconvenient
Loan Amount
Up to $40,0001
Loan term
36-84 Months
0.00
Rated on TrustPilot
Our Verdict

For Discover consumers looking to consolidate debt, or just need extra cash, Discover Personal Loans offers a no-fee, total online loan process with funds sent as soon as the next business day.5 Their loans typically range from $2,500 to $40,000 with competitive interest rates.

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Pros
  • No application, origination, or late fees
  • Return loan within 30 days with no interest charge
  • Fixed APR with predictable monthly payments
  • Funding as soon as the next business day1 2
Cons
  • Minimum required credit of 660
  • Minimum income required
  • Requires credit check
Loan Amount
$1,000 to $10,000 for Secured Personal Loans1
0.00
Rated on TrustPilot
Our Verdict

Forget your typical payday loan company, Eagle Loan Company serves middle Americans with secured personal loans ranging from $1,000 to $10,000 at traditional finance company rates.1 Eagle offers months to repay a loan, which can benefit borrowers in a big way, since it becomes more manageable versus 2 weeks or a month paying back principal and interest with most payday loans. Apply online or at one of Eagle's locations and get funded by the same day or by the next business day.

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Pros
  • Quick approvals the same or by the next business day5
  • Longer repayment terms with lower costs
  • Timely payments reported to credit bureaus, which may build or rebuild credit
Cons
  • Collateral may be required (like a vehicle title)
  • Only available in 3 states
  • Loans are finalized at store locations only, not online
Loan Amount
$500 to $50,000 for Personal Loans, Depending on Lender1
Loan term
Up to 84 Months
4.40
Rated on TrustPilot
Our Verdict

"Good Today, Better Tomorrow" is Elevate's motto, and they deliver it by linking borrowers with trustworthy lenders, even if their credit is less-than-perfect. Elevate taps into advanced analytics and technology to obtain the most competitive personal loan rates available on their user-friendly online platform. Elevate also strives to provide financial resources and tools that borrowers can use to improve their finances and long-term goals.

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Pros
  • Fast, tech-driven application process
  • Cater to non-prime consumers
  • Approvals as soon as the next business day5
  • No prepayment penalties3
Cons
  • Some loans have application and origination fees
  • Not available nationwide
  • Interest rates may be higher than prime borrower loans4
Loan Amount
Up to $3,000 for Personal Loans1
Loan term
Up to 12 Months Depending on Eligibility
0.00
Rated on TrustPilot
Our Verdict

When you need cash, eLoan Warehouse specializes in personal loans up to $3,000 to help with whatever curveball life has thrown at you.1 In some cases, funds can be available as soon as the next business day, pending full approval.

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Pros
  • Simple online application with funding possible the same or next business day, if approved5
  • Tiered loyalty program
  • No prepayment penalties3
  • Repayment terms can be simple and straightforward
Cons
  • Minimum income requirements for loans
  • Checking account must meet minimum opened duration requirements
Loan Amount
$500 to $15,000 for Title Loans1
Loan term
Up to 24 Months
0.00
Rated on TrustPilot
Our Verdict

Embassy Loans serves Florida residents needing fast cash access through personal and title loans ranging from $500 to $15,000.1 Apply easily and seamlessly online, or visit one of their 32 locations and be approved the same day or by the next business day.

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Pros
  • Option to apply online or in-store
  • Borrowers can conduct their own online vehicle inspection for title loans
  • Fast approvals within 15 minutes and competitive rates4
  • Offers the “credit builder program” to assist borrowers improve their credit by making on-time payments
Cons
  • Personal loan approvals based on an applicant’s FICO scores
  • Only available in Florida
  • Title loans use the borrower’s vehicle as collateral; non-payment or defaulting can risk vehicle repossession
Loan Amount
Up to $50,0001
Loan term
Typically up to 30 Days
0.00
Rated on TrustPilot
Our Verdict

Sometimes bad credit can be a roadblock when you need cash immediately, but EZ Car Title Loans taps into the value of your car to potentially get you up to $50,000 when you need it most.1 First, fill out a super-easy pre-qualification form, and an EZ Car Loans specialist will review and approve the request upon initial approval and then connect you with a reliable local lender, after that, cash can be yours the same, or the next business day.

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Pros
  • Bad or no credit applicants can still apply5
  • Fast, same-day approval and competitive rates2 4 5
  • No prepayment penalties3
Cons
  • Non-payment or defaulting on title loans may result in repossession Not available nationwide
  • The vehicle title must be in the borrower’s name only, no cosigner is permitted
Loan Amount
N/A, Depends on the Value of the Item
0.00
Rated on TrustPilot
Our Verdict

If you need immediate funds, FirstCash can loan you money fast with items you already own.1 Bad credit or unemployed? Not an issue, FirstCash pawn loans are based solely on the value of the item you bring in, and it can be anything, from jewelry, electronics, musical equipment, and more–and your item will be kept in a secure, fully-insured location. FirstCash also buys pre-owned items as well, with instant cash in your hands.

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Pros
  • Pawn loans based on the value of the item, not the borrower’s credit
  • If loan cannot be paid when due, extensions may be granted if interest charge is paid
  • Funding instantly available if item meets pawn criteria, or if the item is sold outright
  • Interest free layaway plans with 10% down payments
Cons
  • Not all items are accepted depending on its market value
  • Only available in Texas
  • If loan is not paid or extended, the item is forfeited and becomes property of FirstCash
  • Item value is based on the market value only, not the price when purchased
Loan Amount
Up to $4,0001
Loan term
Up to 24 Months
0.00
Rated on TrustPilot
Our Verdict

Illinois Title Loans, Inc. can offer borrowers title loans up to $4,000 using the equity in their vehicles when cash is needed most.1 The application process is easy, start online, then get a call back from a knowledgeable store representative, then follow up with a quick vehicle inspection at the nearest store location. In as little as 30 minutes an approval can be yours with funds in your hands the same day, and you keep your keys and freedom to drive wherever you want the entire duration of the loan.

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Pros
  • Bad credit borrowers with no checking accounts still eligible for title loans
  • No prepayment penalties3
  • Refinancing available depending on loan terms and conditions
  • Funding as soon as the same business day1 2
Cons
  • Do not disclose rates, fees, or specific loan terms
  • Only available in Illinois
  • Maximum $4,000 loan amount, which may not be enough for the needs of some borrowers
Loan Amount
$100 to $5,0001
Loan term
Up to 12 Months
0.00
Rated on TrustPilot
Our Verdict

King of Kash has 40 years of experience helping borrowers obtain personal loans from $100 to $5,000 when traditional banks have denied them due to either poor, or no, credit.1 Appling takes just a few minutes online or in-store with funds direct-deposited into your account within 1 business day.5 What's best is the King of Kash approval process is based solely off your ability to repay, and not just your credit–and with no loan origination fee.

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Pros
  • No credit check and no collateral required
  • Money used becomes available again after making payments
  • No prepayment penalties3
  • Potential funding as soon as the same day or the next business day1 2
Cons
  • Some may experience a negative impact on ability to borrow from other lending companies
  • Only available in select states
  • Not making timely loan payments may result in late fees and decrease in available credit limit
Loan Amount
Up to $60,000 for Personal Loans1
0.00
Rated on TrustPilot
Our Verdict

LendingClub has led the way as being one of the first digital marketplace banks providing debt consolidation and business loans up to $60,000 with a revolutionary peer-to-peer lending model linking consumers to institutional investors with lightning speed.1 Borrowers can check their rate online with no credit impact, choose a loan amount, and if approved, funds are direct-deposited within a few business days with competitive interest rates and terms.

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Pros
  • Loans come with fixed rates and payments with no additional interest
  • No prepayment fees3
  • Making on-time payments can positively impact credit
  • Funding is possible within a few business days1 2
Cons
  • Charge origination fee from 1% to 6% of the loan amount
  • Not available in all states
  • Minimum credit score of 600 required for some loans
  • Same-day funding not available
Loan Amount
$1,000 to $36,500 for Personal Loans1
Loan term
24 to 72 Months
0.00
Rated on TrustPilot
Our Verdict

For borrowers with less-than-perfect credit needing quick funding, LendingPoint offers personal loans up to $36,500 with no credit impact when applying.1 LendingPoint uses their own proprietary technology and algorithms to give more borrowers better chances of being approved, with funds directly deposited as soon as the next business day. LendingPoint also has a Knowledge Center and other helpful resources to educate borrowers on properly managing money and making better financial choices down the line.

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Pros
  • Uses proprietary technology and AI to increase borrower approvals
  • No prepayment penalties3
  • Convenient app to manage account
  • If approved, funding is possible as soon as the next business day5
Cons
  • Charge origination fee up to 10%
  • Not available to Nevada or West Virginia residents
  • APR high as 35.99%, particularly for bad credit consumers
Loan Amount
$50 to $5,000 for Installment Loans1
Loan term
60 Days to 18 Months
0.00
Rated on TrustPilot
Our Verdict

For over 25 years, Money 4 You Loans has served Utah residents needing cash fast - up to $5,000 available to qualifying applicants.1 Applying for installment loans is simple, either online or at a convenient store location, a loan specialist will walk you through the process to see how much you may qualify for an approval in just 15 minutes.5 Money 4 You Loans prides themselves on having a friendlier, down home feel with excellent customer service.

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Pros
  • Poor or even no-credit borrowers may be eligible for installment loans
  • New borrowers receive the first loan at half off the regular APR
  • Choose from 60 days up to 18-month loan duration that works best
  • Get funded as the same business day, if approved5
Cons
  • Finance charges may vary or be higher over the loan term
  • Available in Utah only
  • Short-term installment loans may cost more over time compared to other traditional loans
Loan Amount
$100 to $1,500 for Payday Loans1
Loan term
3 to 18 Months for Title Loans
0.00
Rated on TrustPilot
Our Verdict

Throughout the Las Vegas Valley, On Call Cash is the go-to place for title and payday loans.1 For title loans, all that's required is a valid ID, proof of income, and a lien-free vehicle title–and borrowers can start the process online from the comfort of their homes. After a friendly loan specialist reviews your documents and appraises the vehicle, an approval can be quick as 20 minutes with funds available the same business day, if approved.

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Pros
  • Borrowers with poor or no credit may still be eligible for title loans
  • No credit check or prepayment penalties3
  • Loan interest rates as low as 35.99%4
  • Approved applicants may be funded the same day or by the next business day5
Cons
  • Charge a $250 origination fee
  • Nevada residents only are eligible
  • Active military members cannot apply for loans
  • Vehicle repossession may occur if a title loan is defaulted on
Loan Amount
$1,500 to $20,0001
Loan term
24 to 60 months
0.00
Rated on TrustPilot
Our Verdict

For over 100 years, OneMain Financial has helped borrowers with personal loans ranging from $1,500 to $20,000, whether for consolidating debt, home repairs, or whatever unexpected financial need.1 Apply either online or at one of their 1,300 branch locations across the U.S. and be funded as soon as an hour in some instances, if approved.

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Pros
  • Applicants with no or bad credit may be eligible for personal loans
  • Fixed loan rates from 18.00% to 35.99%
  • No prepayment penalties or fees3
  • Approved borrowers may receive funding the same day or by the next business day5
Cons
  • A loan origination fee is charged, varying by state and amount
  • Not available nationwide
  • Late payment fees range from 1.5% to 15%
0.00
Rated on TrustPilot
Our Verdict

New Mexico Title Loans, Inc. can assist residents of New Mexico needing urgent funds with title loan cash up to $10,000, available the same day, if approved.5 Start the ball rolling with their easy-to-use online application, followed up with a call from a friendly specialist where you can select a location that's convenient for you to meet for a vehicle inspection. Once the vehicle evaluation is complete, in 30 minutes or less, you can drive away with a check and peace of mind. Installment loans are also offered as an alternative, with amounts up to $1,250.1

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Pros
  • No checking account or driver’s license required for title loans
  • No store visit necessary, borrowers choose the location for vehicle inspections
  • Loan refinancing available, if eligible
  • Following vehicle inspections, funding is possible the same day or by the next business day, if approved5
Cons
  • Installment loans require hard credit checks
  • Available to New Mexico residents only
  • Repossession of vehicles may occur if borrowers default on title loans or fail to make payments
  • Loans can come with higher interest rates
0.00
Rated on TrustPilot
Our Verdict

With 13 store locations, Nevada Title and Payday Loans, Inc. offers fast access to needed cash through title, payday, and installment loans up to $15,000.1 For title loans, start the application process online and following a call from a friendly loan agent, visit a store location to complete the process and within 30 minutes or less, leave the store with cash in your hands, as well as your keys, because with title loans, you keep your vehicle the entire duration of the loan–so no change to your lifestyle as long as you keep up with your payments!

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Pros
  • Borrowers with bad credit or no checking account may still qualify for title loans
  • Even if a consumer defaults on loans, no report is filed with credit bureaus
  • 30 minute approval at competitive rates4
  • Receive funds in-store the same day, or by the next business day1 2
Cons
  • The risk of vehicle repossession is possible if loan payments are consistently missed or defaulted on
  • Available to Nevada residents only
  • Title loans and other loan products are designed for short-term financial needs and may come with higher interest rates
Loan Amount
$1,000 to $10,0001
0.00
Rated on TrustPilot
Our Verdict

NetCredit offers convenient personal loans and lines of credit online to consumers whose credit may be less than perfect using advanced technology and algorithms to lock in the best loan amount, terms, and fees, from $1,000 to $10,000 and lines of credit up to $4,500.1 Applying is quick and easy, completely online, and borrowers can potentially receive funds the next business day, if approved.5 NetCredit also has a My Credit Builder program for improving credit and the ClearCost for Me tool to help borrowers determine the loan amount that best fits their financial needs.

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Pros
  • Total online application process with approvals in minutes and funds may be deposited the next business day, pending approval5
  • No prepayment penalties3
  • On-time payments reported to credit bureaus to help build credit
  • Borrowers offered flexible, customizable repayment schedules
Cons
  • Once borrowers accept loan contracts, a hard credit inquiry is made
  • Available in select states only
  • Poor credit consumers may pay higher interest rates for personal loans compared to more traditional loans
0.00
Rated on TrustPilot
Our Verdict

With 11 branch locations, Neighborhood Cash provides payday loans and title loans to help Tennessee residents obtain cash fast. Borrowers owning a vehicle with a lien-free title may be able to receive a much higher loan amount based on the equity in their vehicle versus a payday loan, and a big perk is that new title loan consumers may receive 0% interest payments for the first 30 days, if qualified.

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Pros
  • Poor credit or borrowers with income through social security may still be eligible for title loans
  • 0% interest if loan is paid before the first 30 days
  • No interest or fees for first payday loan consumers
  • Receive cash the same day or by the next business day, pending approval5
Cons
  • No online application or service, business is conducted only in-store
  • Available only in Tennessee
  • Title loans use a borrower’s vehicle title as collateral, defaulting or non-payment may risk vehicle repossession is some cases
Loan Amount
Up to $50,000 for Title Loans1
3.20
Rated on TrustPilot
Our Verdict

Montana Capital provides borrowers needing cash fast with title loans up to $50,000 based on the equity in their vehicle, or around 25%-50% of its value.1 Applying is quick and easy and at no obligation, simply begin with a secure online application followed up by a visit to a Montana Capital branch location to verify your information and other details, and if approved, you leave the store with your keys, vehicle, and a check in your hand.

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Pros
  • Borrowers with poor credit or no bank account may still be eligible for title loans
  • Unemployed consumers can apply as long as proof of income is verified
  • Existing title loans may be refinanced to lock in lower interest rates
  • Receive funding by the next business day, if approved5
Cons
  • Only 70% of equity value can be lent
  • Not available in all states
  • Hard credit checks are run during the application process
  • Borrowers may risk vehicle repossession if they default or do not meet title loan terms
Loan Amount
N/A (Varies by each state)
2.70
Rated on TrustPilot
Our Verdict

With more than 600 store locations, Money Mart offers quick and easy payday loans to borrowers needing cash fast through their convenient online and mobile platforms. Start the process online by selecting your state of residence, find the store closest to you, and (in select states) have funds directly deposited the next or following business day, if approved.5 Money Mart can also cash checks, both for consumers and small business owners at discounted rates.

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Pros
  • Simple and easy online application process and a convenient mobile app
  • Online and in-store check cashing services
  • Fast approval and competitive rates4
  • Receive funds on the following day or the next business day, pending full approval5
Cons
  • Loan approval based on the borrower’s income and other factors
  • Available only in select states
  • Some loans vary by state and online applications are not available to all applicants
Loan Amount
$500 to $3,5001
Loan term
5 to 12 months
0.00
Rated on TrustPilot
Our Verdict

MoneyKey offers installment loans and lines of credit to consumers across various states across the U.S. needing funds quickly but without the hassle and red tape of traditional banks. Loan amounts range from $500 to $3,500 via a start to finish online process, which takes minutes to complete and, if approved, funds can be directly deposited the same business day.1 5 MoneyKey's line of credit loans allows eligible borrowers to take out funds as they need for maximum ease and flexibility.

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Pros
  • Simple online application with funds deposited as soon as the same business day, if approved5
  • No prepayment penalties3
  • Unemployed borrowers are eligible to apply
  • Borrowers making on-time payments may be eligible for reduced charges and/or increased credit limits
Cons
  • Some loan amounts and credit limits vary greatly by state
  • Available in select states only
  • No loan refinancing options
  • Installment loans may come with much higher interest rates and can become expensive over time
Loan Amount
Up to $255 for Payday Loans1
3.70
Rated on TrustPilot
Our Verdict

Moneytree allows borrowers needing cash sooner rather than later receive funds as soon as the same day via a quick and easy application process with approvals in 30 minutes or less. Moneytree also offers various financial services for those who may not have access to traditional banks, such as cash checking, money orders and wire transfers, in addition to helping business owners with payroll checking. Customer service is available 24/7 online, or at their 80 store locations.

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Pros
  • Fast loan approvals with funding possible the same or next business day.5
  • No prepayment penalties3
  • Borrowers never in the dark about fees or terms, including interest rates
  • Earn cash rewards with eligible referrals of friends or family
Cons
  • Loan limits vary significantly by state
  • Not available nationwide
  • Moneytree loans are for short-term financial needs, which may not be the best solution for some consumers
0.00
Rated on TrustPilot
Our Verdict

Money in Minutes NV offers hassle-free payday loans to Nevada residents when unexpected expenses arise, and they've been doing it for 30 years and counting. Applying is streamlined for your ease by starting the application online or in-store throughout Las Vegas and Reno. Approval decisions are made fast, and borrowers can receive funding on the same business day, pending approval.5

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Pros
  • Prior bankruptcy and bad credit borrowers may still be eligible for payday loans
  • Loan limit amounts may be periodically raised with on-time payments
  • Refer friends or family and become eligible for cash promotions
  • Potentially receive funds as soon as the same day or by the next business day, if approved5
Cons
  • Consumers required to live near store locations
  • Available to Reno and Las Vegas residents only
  • Funds must be picked up in-store
  • Payday loans are primarily for short-term financial needs only and may come with high interest rates
Our Verdict

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Pros
  • Fast online application with funding as soon as the next business day, if approved5
  • Works like a credit card; withdraw only what’s needed up to the limit
  • No need to reapply, the credit line remains open
  • Borrowers who pay consistently may be eligible for a credit line increase
Cons
  • Charge a flat fee for each $20 withdrawn
  • Not available nationwide
  • Line of credit loans can come with higher finance fees
0.00
Rated on TrustPilot
Our Verdict

Missouri Title Loans, Inc. specializes in helping borrowers in need of quick cash with title loans up to $15,000 in addition to installment loans up to $1,500, all with a streamlined, hassle-free process.1 Start out online with an easy online form, then a friendly loan agent will gather more information and from there choose a location for an inspection of your vehicle and in as little as 30 minutes, you may be funded on the spot, if approved!

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Pros
  • All credit types welcome: bad, good, or non-existent
  • No prepayment penalties3
  • Refinancing is allowed in some cases
  • After a quick vehicle inspection, funding may be received the same business day, if approved5
Cons
  • Applying for installment loans comes with a hard credit check
  • Only available in Missouri
  • Failing to make payments or defaulting on title loans may result in vehicle repossession
Loan Amount
$300 to $2,500 for Title Loans1
0.00
Rated on TrustPilot
Our Verdict

Where other lenders fail, Mississippi Title Loans, Inc can offer borrowers needing quick cash up to $2,500 through title loans by using their lien-free vehicle title as collateral.1 MTL also offers loans up to $400 with payday loans, and up to $1,250 in installment loans to cover almost any financial need.1 Begin the title loan application process at home via their easy online form, then choose a location (no store visit necessary) for a quick vehicle inspection, and you may receive funds the same day, and keep your keys and your car!

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Pros
  • Start application online and choose a convenient location to finish; MTL comes to you
  • No credit check for title loans
  • Fast, 30 minute approval and competitive rates4
  • Following a quick vehicle inspection, funding may be received the same day or the next business day, if approved5
Cons
  • Using a vehicle title as collateral means repossession is possible if the loan is defaulted on
  • Available only to Mississippi residents
  • Payday loans and other loan types can come with higher interest rates compared to traditional loans
Loan Amount
Up to $5,0001
0.00
Rated on TrustPilot
Our Verdict

With over 25 years of experience, Minute Loan Center can offer installment loans up to $5,000 for life's unexpected financial emergencies, even if your credit isn't the best.1 Installment loans, unlike payday loans, give the borrower more time to repay with greater flexibility, plus every payment made pays down the borrowed amount. What's even better is that Minute Loan Center has its own bank source with the same security as a Federal Bank–and you can get funded in as little as one business day, if approved!

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Pros
  • Prequalifying online doesn’t affect your credit
  • Installment loans include fixed number of payments and interest
  • Potentially build credit with on-time payments in addition to qualifying for rewards programs
  • Receive funding the same or next business day, pending approval5
Cons
  • Loan amounts can vary by state
  • Not available nationwide
  • Military members are not eligible for loans
  • Short-term loans may come with higher interest rates
Loan Amount
Up to $10,0001
0.00
Rated on TrustPilot
Our Verdict

Midwest Title Loans is there for Illinois borrowers who may be in a financial bind with a straightforward application process and amazing in-store service. Midwest doesn't let bad credit stand in the way of obtaining up to $10,000, using their vehicle's lien-free title as collateral versus their credit score.1 Begin the process with an easy-to-use online form, or at a Midwest store location and receive funding the same-day, if approved.

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Pros
  • 20 minute approvals with up to $10,000 funded the same-day, if approved5
  • No credit check or prepayment penalties3
  • Borrowers keep their vehicles the entire duration of the loan
Cons
  • Defaulting or failing to make payments may result in vehicle repossession
  • Available to Illinois residents only
  • Title loans are primarily for short-term financial needs, not necessarily long-term financial planning
0.00
Rated on TrustPilot
Our Verdict

For over 30 years, Mid-South Payday & Title Loans has provided borrowers needing quick funding with payday and title loans up to $2,500 with a no-nonsense, streamlined application process.1 Whether opting for a payday or title loan, simply fill out their online application to get the ball rolling, then complete the process at a location nearest to you and receive funds the same day or by the next business day, if approved.

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Pros
  • Easy application process with same or next-day funding, if approved5
  • No prepayment penalties3
  • New borrowers receive 50% off first interest payment
  • Refer friends or family and potentially receive $50 for every approved loan
Cons
  • Borrowers who default on title loans risk vehicle repossession
  • Available in Tennessee only with 2 store locations
  • Payday loans and other loans may come with much higher interest rates
Loan Amount
$100 to $3,7501
0.00
Rated on TrustPilot
Our Verdict

If you're looking for speed and convenience with zero hassle, MaxLend provides installment loans up to $3,750, even with poor credit.1 Most payday loans require a lump sum payment, but with a MaxLend installment loan, you pay over time with flexible repayment terms to fit your budget and lifestyle. Applying is streamlined and easy, just fill out their online form with a follow-up call by a MaxLend loan agent to verify your information. You can then be funded as soon as the same day, if approved.

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Pros
  • No or bad credit borrowers may be eligible for installment loans
  • No prepayment penalties3
  • Returning consumers may qualify for MaxLend Preferred Rewards
  • Receive funding potentially the same day or by the next business day, if approved5
Cons
  • Borrowers who have or intend to declare bankruptcy cannot apply
  • Only available in select states
  • Installment loans may come with higher interest rates compared to traditional or other loans
Loan Amount
Up to $25,000 for Personal Loans1
0.00
Rated on TrustPilot
Our Verdict

With personal loans up to $25,000, Mariner Finance can help borrowers needing to consolidate debt, make home improvements, or deal with unexpected expenses with funding as soon as the next business day, if approved.1 5 Mariner Finance also welcomes those with less-than-perfect credit to apply, providing an easy-to-use loan calculator to determine monthly loan payments and total repayment amounts.

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Pros
  • Some borrowers may be eligible to defer loan payments
  • If a loan is returned within 15 days, no additional fees are applied
  • Bankruptcy applicants welcome
  • Some may receive funds the same day or by the next business day, if approved5
Cons
  • Maximum loan amounts vary by state
  • Not available nationwide
  • Origination fees may be included with some loans
Loan Amount
Up to $10K for Title Loans1
0.00
Rated on TrustPilot
Our Verdict

With 80 locations in the state of Texas, LoanStar can provide up to $10,000 through title loans despite credit history or even employment status.1 Borrowers can start the easy application process online or at a store, then bring along valid ID, proof of residence, and the vehicle's lien-free title, and approvals can be made in as little as 20 minutes with funding the same day.5 Best of all, you can drive your car while paying off the loan!

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Pros
  • Depending on the value of their vehicle, borrowers can access up to $10,000, if approved5
  • No prepayment penalties3
  • Quick, 20 minute approval possible after the vehicle inspection
  • Potential funding the same day or by the next business day1 2
Cons
  • Inquiry process cannot be done entirely online
  • Only available in Texas
  • Loan amount and approval is subject to vehicle inspection and ability to repay
  • Borrowers risk vehicle repossession if unable to repay
Loan Amount
Up to $10,000 for Title Loans1
0.00
Rated on TrustPilot
Our Verdict

Since 1990, LoanMax has been there for borrowers needing cash fast through title loans up to $10,000 based on the equity of their vehicles.1 LoanMax eliminates red tape and offers a simplified online application followed up by a quick vehicle inspection at a LoanMax store location. Sometimes within 20 minutes or less, if approved, you leave with funding, and you stay behind the wheel as long as you make loan payments on time.

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Pros
  • Unemployed borrowers or those with bad credit may still be eligible for title loans
  • Only a lien-free title, vehicle, and photo ID are required
  • Fast 20 minute approval after the vehicle inspection at competitive rates4
  • Funding is possible as soon as the same day with no prepayment penalties5 3
Cons
  • Vehicle inspections offered at store locations only
  • Not available to consumers nationwide
  • Several states have maximum loan amounts below $10,000
  • Defaulting or failing to make loan payments may result in vehicle repossession in some cases
0.00
Rated on TrustPilot
Our Verdict

With 6 convenient locations throughout Ohio, Loan Central, Inc. provides personal and vehicle loans as well as state and federal tax preparation services. Loan Central can help borrowers with poor credit secure loans that fits their needs and lifestyle, as well as vehicle loans on almost anything rolling on wheels.

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Pros
  • Borrowers with poor credit may still be eligible for personal and vehicle loans
  • Tax preparation services offered in-store
  • Making on-time loan payments may potentially rebuild credit
  • If approved, receive funds the same or by the next business day5
Cons
  • No online application option
  • Available in only 6 Ohio locations
  • Loans may come with higher interest rates compared to other traditional loan types
Loan Amount
Typically Up to $30K for Title Loans1
Up to $5K for Personal Loans1
Loan term
Typically 24-48 months
0.00
Rated on TrustPilot
Our Verdict

For consumers looking for speedy funding with competitive rates, LoanCenter offers personal and title loans up to $50,000 with flexible terms and a smooth, streamlined application process.1 4 Borrowers owning a vehicle with a lien-free title can apply online or at a LoanCenter location using their vehicle's value and get funded as soon as the next business day in some cases.

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Pros
  • Vehicle doesn’t need to be paid off for title loans eligibility
  • Refinance existing loans with no fees attached
  • Easy application with loan calculators to determine loan terms
  • If approved, funding may be as soon as the same day or by the next business day5
Cons
  • Title loans use vehicles as collateral, failure to repay may result in repossession
  • Only available in some states
  • Loans can come with higher interest rates between 34.99% to 157.99%
Loan Amount
Up to $10K for Title Loans1
Up to $4,000 for Installment Loans1
Up to $500 for Payday Loans1
2.90
Rated on TrustPilot
Our Verdict

If you've been hit with an unexpected expense or just need cash until your next payday, LendNation offers payday, installment and title loans with 350+ store locations.1 Apply online or in-store even with bad credit and receive potential funding the same or by the next business day, if approved.5 LendNation also provides flexible repayment options with no prepayment penalties.

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Pros
  • Bad credit or unemployed borrowers may still be eligible for some loans
  • Online and in-store options
  • No prepayment penalties3
  • Receive funds the same day or by the next business day, if approved5
Cons
  • Military members cannot apply
  • Only available in select states
  • Require consumers to have a minimum monthly income
  • Perform a credit check when applying
Loan Amount
$200 to $5,0001
3.40
Rated on TrustPilot
Our Verdict

LendUP.com offers more than just short-term loans to borrowers with less-than-perfect credit; it also is there to provide budgeting education with 13 simple online courses to improve overall financial health. Apply 24/7 online, weekends and holidays, and get connected to the right trusted direct lender for your particular needs with funding the same or by the next business day.

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Pros
  • Streamlined online application process available 24/7
  • No prepayment penalties or hidden fees3
  • Educational modules available for better financial decision making
  • Funds may be deposited the same day or by the next business day1 2
Cons
  • Loans capped at $250 for first-time borrowers
  • Not available in every state
  • Third-party Veritec service may limit loan amount and other terms depending on borrower’s state
Loan Amount
$200 to $5,000 for Installment Loans1
0.00
Rated on TrustPilot
Our Verdict

Las Vegas Finance are direct lenders offering an alternative to payday loans with low-interest installment loans up to $5,000.1 Applying is easy, just fill out their online form, and once approved, finish the process at their Las Vegas office and get funded the same day.5 Las Vegas Finance is happy to work with poor credit consumers, they even report on-time payments and help build or rebuild credit.

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Pros
  • Consumers with poor credit may be eligible for installment loans
  • Short and long-term payment plans with higher borrowing limits
  • No prepayment penalties3
  • Funding possible the same business day, if approved5
Cons
  • Run hard credit checks
  • Available to Nevada residents only (specifically Las Vegas)
  • Loans come with high interest and are meant for short-term financial needs
Loan Amount
Up to $1,800 for Personal Loans1
0.00
Rated on TrustPilot
Our Verdict

Since 1972, Justice Finance has assisted Dallas-Fort Worth consumers with personal loans up to $1,800 with 18 convenient branch locations and world-class customer service.1 Start the application process either online, at a store, or over the phone. Justice Finance requires no collateral or even a checking account to apply with funding available the same business day, if approved.5

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Pros
  • Fast application process either online, in-store, or by phone
  • No collateral or checking account required for personal loans
  • No prepayment penalties3
  • Funding possible the same business day1 2
Cons
  • Maximum loan amount of $1,760, which may not be sufficient for some borrowers
  • Available to DFW Texas residents only
  • Loan terms and applicable fees not disclosed
Loan Amount
Up to $600 for Payday Loans1
Loan term
Typically Pay by the Next Payday
0.00
Rated on TrustPilot
Our Verdict

Instant Cash Advance offers cash advances up to $600 to Michigan residents needing quick funding for sudden emergencies or just to have some financial cushion until their next payday.1 With 15 convenient, well-staffed locations, borrowers can apply and receive money in 15 minutes or less, if approved.5 If already an ICA consumer, applying takes even less time. Some stores also purchase unwanted jewelry or gold for cash services.

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Pros
  • Borrowers with poor credit may be eligible for payday loans
  • No application or processing fees
  • Approval possible within 15 minutes or less5
  • $25 referral bonuses per person
Cons
  • In-store only service, no online options for applying or making payments
  • Available to Michigan residents only
  • Some borrowers use payday loans over a period of months, which may be expensive
Loan Amount
N/A, Based on Vehicle Value
0.00
Rated on TrustPilot
Our Verdict

First opening its doors in 1991, Instant Car Title Loans has served Doraville, GA, area and provided residents with title loans for sudden expenses and other emergencies, with a quick approval process.5 They even specialize in title loans for classic cars and all types of vehicles, while also involving themselves in the community and local school events.

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Pros
  • No credit checks
  • Borrowers can receive cash the same day in 15 minutes at competitive rates4
  • First-time consumers receive 60 days interest free on title loans
  • BBB accredited with A+ rating
Cons
  • Defaulting or failing to pay back title loans may result in vehicle repossession and auction
  • Only available in Georgia with 1 location
  • Repayment terms and other fees are not disclosed
Loan Amount
$300 to $15,000 for Title Loans1
Installment Loans Up to $1,5001
$100 to $500 for Payday Loans1
0.00
Rated on TrustPilot
Our Verdict

With Idaho Title Loans, Inc., apply for a title loan online and potentially access up to $15,000 without the hassle of an in-store visit and much-needed cash in your hands the same day, if approved.5 With 30 years of experience, Idaho Title Loans, Inc. has streamlined the process, starting with an easy online application, followed by a quick call by a friendly representative, after which you choose the location for your vehicle inspection–and you may be approved in 30 minutes or less. Additionally, payday and Installment loans are also offered if you don't own a vehicle for quick cash.

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Pros
  • Borrowers with poor credit may still apply for title loans
  • No prepayment penalties3
  • Quick approval in as little as 30 minutes4
  • Payday and installment loans available to access cash fast
Cons
  • Failing to make payments or defaulting on title loans may lead to repossession and sale of the vehicle
  • Only available in Idaho
  • Interest and other fees may vary greatly
Loan Amount
Up to $10,000 for Personal Loans1
0.00
Rated on TrustPilot
Our Verdict

With 24 years of experience, Heights Finance has helped borrowers with bad credit when other lenders have turned them down. Start a streamlined application online or visit one of their 385+ stores with quick approval and same-day funding in some cases.

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Pros
  • Borrowers with poor credit may still be eligible for personal loans
  • Cancel loan and return funds within 15 days and incur no fees or penalties
  • $50 cash paid for referrals
  • Fast approval with funding as soon as the same or by the next business day1 2
Cons
  • Same-day approvals available for certain consumers on certain days
  • Only available in 11 states
  • Interest rates and loan terms are not disclosed
  • Borrowers may be subject to the provision of acceptable collateral for the loan
0.00
Rated on TrustPilot
Our Verdict

Georgia residents needing cash fast and own a vehicle with a lien-free title can apply at Georgia Auto Pawn, Inc. and get up to $15,000 the same or next business day, pending approval.5 Begin the process online by submitting a simple online request form, then a Georgia Auto Pawn representative will call to set up an appointment for the vehicle inspection, and in 30 minutes or less, the funds are yours if you are eligible.

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Pros
  • Credit scores do not impact the charges for title loans
  • No in-store visit, you choose the location for the car inspection
  • Checking account not required
  • 30 minute approval possible with funding the same day or by the next business day1 2
Cons
  • At least 4 references required to obtain title loans
  • Only available in Georgia
  • Hard credit checks for loans over $5,000
  • 304% APR on some loans
Loan Amount
Up to $25,0001
0.00
Rated on TrustPilot
Our Verdict

Freedom Title Loans offers Idaho borrowers same-day funding through title loans based on the value of their vehicles. They also provide an estimate on their website where the application process can begin, followed by visiting a convenient location for a quick assessment of the car's value, and if approved, funds can be received the same day.5

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Pros
  • Bad credit borrowers may still apply
  • Approval in less than 30 minutes5
  • Funding possible as soon as the same business day1 2
Cons
  • Vehicle must fully be paid off
  • Only available in Idaho
  • Defaulting or failing to make payments on a title loan may result in repossessing the vehicle
Loan Amount
$100-$3,500 for Title Loans1
$100 to $500 for Payday Loans1
Loan term
Depends on Loan Type⁴
0.00
Rated on TrustPilot
Our Verdict

Cash Spot is your one-stop-shop if you need cash fast, and they’ve been trusted direct lenders since 1995, offering payday, motorcycle and car title loans. You can start the simple application online or visit a branch location and receive the funds you need in as little as 15 minutes, pending approval.5 One of the best parts about Cash Spot is there’s no credit check when applying, so if your credit is on the low side, it isn’t an issue. However, Cash Spot is only available to Alabama residents.

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Pros
Cons
Loan Amount
$500 to $1,0001
Up To $15001
Loan term
Typically 61 days - 12 Month Terms
0.00
Rated on TrustPilot
Our Verdict

Cash USA Today excels at helping borrowers get the funds they need quickly, with loans up to $1,000, and direct-deposited as soon as the next business day, if approved.1 5 If you're worried about your credit, it may not be an issue when applying for a loan with Cash USA Today.

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Pros
  • Cash USA Today is a direct lender with fewer fees and transparency
  • Offer bi-weekly or monthly payments
  • Fast approval with money available as soon as the next business day1 2
  • Pay loans off early with no additional fees3
Cons
  • Loans can have higher interest rates
  • Not available nationwide
  • NSF (non-sufficient funds) fees are applied to returned payments

Frequently Asked Questions for
Loans & Lenders

Personal loans tend to be unsecured and are often used for consolidating debt or paying for a large personal expense. If you meet the necessary criteria, you can secure a personal loan at a bank, credit union, or through an online lender.

With a title loan, you are required to pledge an asset as collateral for the loan. In the case of title loans, borrowers will use a title to a car with a sufficient amount of equity to secure emergency funding. Although the borrower is required to use their qualifying car’s title to guarantee the loan, it is possible to maintain access to their vehicle during the repayment period.

Comparing loans can seem overwhelming, especially with a variety of options available. Before you jump into an application, consider whether you prefer to apply for a secured or unsecured loan.

Secured loans are typically much easier to qualify for than unsecured loans because you are required to pledge an asset as collateral for the loan. Defaulting on a secured loan can result in the lender or financial institution seizing your vehicle to pay off your debt.

Unsecured loans, such as payday loans or personal loans, are not tied with collateral. Therefore, the lender is taking on more risk when lending. Whether they are secured or unsecured, when comparing loans it is important to do your research and search based on loan terms, loan amounts, and the service provided by the lender or loan servicer. Ultimately, the option you choose should reflect your financial situation and preferences as an informed consumer.

From consolidating your debt to paying for an unexpected expense, both personal loans and title loans offer a little bit of flexibility with your funds. You can use your loan proceeds to deal with a variety of personal expenses, but there are some limitations.1

Getting approved for a loan is as simple as meeting the lender’s application criteria and submitting the correct paperwork to verify your information!5

If your lender reports your payment behavior to the major credit reporting agencies, then it is possible for your loan to impact your credit score.

Yes, as long as you work with lenders who can cater to applicants with bad credit, it is possible to secure a loan even with a subprime credit score. In fact, title loans are known for being an asset to bad credit borrowers who may not be eligible for traditional bank loans.5

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It's Relief.

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