Online Car Title Loans

Apply today with Express Car Title Loans and get cash for your vehicle's equity. We offer fast funding for your paid off car with title loan amounts starting at $2,500.

CALL: 888-864-7180

Complete The Form Below For A Quick Quote.

I have read and agree with the Express Car Title Loans Terms and Conditions, and Privacy Policy.

Get A Free Quote

There's no obligation to get a quote with Express Car Title Loans. Submit your vehicle information, and we'll tell you how much your car is worth and what you qualify for.

Fast Approval

We offer fast processing online or over the phone at 888-864-7180. You can also complete the paperwork, underwriting, and inspection in person at a local office in Arizona or California.

Quick Cash

Don't wait days to get your money. Apply with Express Car Title Loans online for cash in 24 hours or less. Money can be sent to your bank account by direct deposit or ACH.

Offering direct funding in Arizona & California in 2026

WELCOME TO Express Car Title Loans

Use your car's title as collateral for an online title loan!

At Express Car Title Loans, we can get you funded for a secured loan, often in as soon as one business day if you have a lien free title and proof of income. Just because you’ve been denied for other loans that require good credit doesn't mean you can’t qualify with us. Our title loans don't depend fully on your credit score and you can sometimes get approved without a comprehensive credit check. Applicants have the best chance of qualifying for a title loan if they have a fully paid off vehicle and can show proof of employment or income. The amount you can borrow with a secured loan will depend on vehicle value and the state you live in. Borrow $2,500 or more with most secured loans.

Apply Now

We Provide Fast And Trustworthy Online Title Loans For Applicants With A Paid Off Vehicle

There are multiple ways to apply with Express Car Title Loans. But the easiest and fastest way to get a title loan is to apply with us online. Start with our online application, and after that, we'll contact you to verify your vehicle info and employment details. We'll then notify you of our lending decision, and if approved, the funds can be deposited into your checking account or you can receive a money order that day. No matter what you need, Express Car Title Loans can get you approved for $2,500 to $25,000 in California. So what are you waiting for? See how much equity you have in your car or truck and apply today.

Interest Rates & Fees
Title loan interest rates are often high, as lenders are offering loans to borrowers that most banks would turn down. California caps the rate at 36% plus the federal funds rate on loans between $2,500 and $9,999. Arizona works off its own schedule under A.R.S. § 44-291: 17% monthly at the low end, dropping to 10% on loans above $5,000. There's no prepayment penalty in either state, so paying the balance down early reduces what you owe in interest.

How Does An Express Car Title Loan Work

This type of secured loan allows qualified applicants with a car or truck to borrow money using just the equity in their vehicle as security. A lender holds the vehicle's title as collateral and that car or truck is the security for your loan. You can keep driving your car while you make the monthly loan payments, as there's no requirement to give up the keys.

These loans offer amounts between $2,500 and $25,000, and applicants can qualify with just their car's title, proof of income, and a valid vehicle registration. Did you notice there are no major credit requirements? Most lenders won't run a detailed credit check or worry about recent missed payments on your credit card. At Express Car Title Loans, we are primarily concerned with your vehicle's equity and how quickly you can repay the loan. Vehicles with a resale value of $5,000 or more will often support a larger loan amount and verifiable monthly income helps you qualify. Because your lien free vehicle secures the loan, your credit score is less important than the value of your vehicle. Stop waiting and get started on an application today with Express Car Title Loans.

What Happens After I Apply?

Once your application is approved, we'll present you with a loan agreement that spells out your monthly payment, loan amount, and the general terms and conditions of your car collateral loan. Each loan offer is different, and your terms often depend on your vehicle's assessed value and the state you reside in. Once you agree to a lending term, we'll schedule a quick vehicle inspection to check out your car and ensure it matches the current resale value of similar vehicles. This inspection can typically be completed on the same day you apply and shouldn't take longer than 30 minutes.

The final step involves agreeing to a loan amount and repayment term. You'll then sign the contract, and we'll set a time to pick up the vehicle's pink slip and hand over your cash. Getting your funds can take just a few hours, and some customers can walk away with $5,000 or more. So don't wait any longer to get a no-obligation quote. Apply online with Express Car Title Loans or call us at 888-864-7180 today.

APPLY ONLINE

This is the easiest way to apply with Express Car Title Loans. It takes about 15 minutes to complete the application and you can expect a funding decision within minutes.

SPEAK TO AGENT

Call us anytime to get a real time quote in less than 15 minutes. We have agents available who can break down your monthly payment and estimated repayment terms.

MEET WITH US IN PERSON

Some applicants feel more comfortable filling out an application for a title loan in person. Anyone near one of our local offices can apply face to face and get money in less than an hour.