Fast Auto Title Loans: Get the Cash You Need as Quick as Today
A fast auto title loan from Payment 1 allows you to use your vehicle's value to get quick cash while you keep driving your car.
With flexible payment terms and a straightforward approval process, we ensure you get the financial relief you need without the stress.
Why Choose Payment 1 for Your Auto Title Loan?
We have thousands of 5-star ratings across our locations, and we pride ourselves on treating our customers like family! Take care of unplanned expenses and financial emergencies with Payment 1, your local lender you can trust!
Bad Credit is Okay: Because your vehicle secures the loan, we can help customers with less-than-perfect credit.
You Get to Keep Your Car: Your daily life doesn’t have to stop when you get a title loan with Payment 1. You keep your vehicle the entire time you are repaying the loan!
Fixed Rates & Flexible Terms: We offer structured installment loans that give you more time to pay back what you owe, without the hidden fees common at other lenders.
Fast Approval: From application to cash-in-hand, the entire process can often be completed very quickly, in under half an hour.
What is a Title Loan?
An auto title loan is a simple way to borrow money using your vehicle’s clear title as collateral. Instead of relying heavily on your credit score, the loan amount is based on the appraised value of your car, truck, or SUV, along with your ability to repay.
At Payment 1, when you hand over your title to secure the loan, you get to keep driving your vehicle as you normally would. Once the loan is paid off, your title is returned to you!
How to Apply for a Title Loan in 3 Simple Steps
Getting a loan through Payment 1 is straightforward and hassle-free.
Submit Your Application: Start your application right here on our website or walk into one of our locations in Texas, Oklahoma, New Mexico, or Missouri!
Get a Quick Vehicle Appraisal: Bring your car and documents to a Payment 1 branch. Our friendly team will quickly inspect your vehicle to determine how much cash you qualify for!
Review Your Options: We will walk you through your fixed rates and flexible payment schedule. We build loans that fit your budget, ensuring your payments are manageable.
What Do I Need to Apply for a Title Loan?
We’ve removed the red tape to make getting an emergency loan as simple as possible. To get approved for an auto title loan, just bring the following items to your nearest Payment 1 location:
A Lien-Free Vehicle Title: The title must be clear of any outstanding loans and registered in your name.
Your Vehicle: We will perform a quick visual inspection to determine its value.
Valid Government-Issued ID: A driver’s license or state ID.
Proof of Income: A recent pay stub, bank statement, or other proof that you can manage the monthly payments.
What Our Customers Have to Say…
We truly love our customers. You are literally the reason we can provide the great services that we do! Thank you for your support all of these years! We are so grateful your support and we won’t ever let you down.
Frequently Asked Questions About Title Loans
How much money can I get with a title loan?
Your loan amount depends on your vehicle’s appraised value, your state’s regulations, and your current income.
Does my car have to be completely paid off?
Yes. To qualify for a traditional title loan, you must have a clear, lien-free title, meaning you do not owe any money to another dealership or lender for the vehicle.
Will a title loan affect my credit?
A title loan focus is on the equity in your vehicle and your ability to repay, making it an accessible option even if you’ve had credit struggles in the past. We provide manageable installment plans to help you stay on track.
Ready to get a fast, affordable title loan for the financial boost you need?
