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What is an Auto Title Loan?

An Auto Title Loan is obtained by mortgaging the title of your vehicle to the lending service. Thousands of people choose Auto Title Loans because they are easy to get and do not need a good credit score. Moreover, their processing speed is much faster than that of regular loans- you can get your cash in less than 24 hours. It also has many advantages over pawn loans and payday loans. For one, you still get to drive your vehicle while you pay off your loan amount. The amount of the loan is determined by the equity in your vehicle and your ability to pay it back. For the same reason, whether your credit history is good or bad, whether your vehicle has been repossessed in the past, whether you have filed for bankruptcy, you still might get approved for an Auto Title Loan.

Why choose LoanMart?

LoanMart is a lending service that has been in the Auto Title Loan business since over a decade. Thousands of customers have trusted us with their car titles and their sensitive personal information. Besides, large lending services such as LoanMart have the privilege of containing a range of departments in-house. LoanMart even has its own DMV, so that you don't have to wait in long lines at the DMV office. We can help you get a loan in as little as 24 hours. All you have to do is follow this simple 3 step process:

Step 1: Click, Call or Visit

There are three ways you can apply for an Auto Title Loan:   1) apply online by filling out this form from your computer, tablet or smartphone, 2) simply give us a call at 1-844-237-5530 , or 3) go into a Participating Licensee near you. In less than an hour, we will make a decision about whether you are approved, and the amount that we can lend to you.

Applying is absolutely free and takes only a few minutes. If you have any questions, our loan specialists are standing by to assist you. Click here to chat with them.

Step 2: Submit your Documents

We will need a few documents from you. But don't worry — we won't make you climb mountains and cross seven seas. We will just need a few papers that you probably already have with you. The list is short and you can complete this part in under an hour. Just fax, email, or send us pictures — and we will get to work right away!

documents you will need to qualify
  1. A car title to a qualifying car in your name
  2. A government-issued photo ID such as a driver's license
  3. Proof of Income (ie. paycheck stubs, invoices or bank account statements) showing your ability to repay back the loan
  4. Proof of residence (ie. a piece of recent mail like a utility bill will work)
Utility Bill

Our agents will provide you with a list of ways to submit these documents for review. You can fax or email the documents right from your office, or use your smartphone or tablet camera to snap pictures of the documents wherever you are!

Step 3: Get Your Money

After we've received your documents, our agents will contact you to discuss the loan terms and other specifics. You will have the option of getting your money via any of these three options: cash, check or wire transfer.

Picking the Right Car

Choosing to pursue an Auto Title Loan through LoanMart is a great first step in paying off your emergency expenses. Many customers worry that they will not be able to drive their car if they choose to proceed with our team, since they are using their vehicle's title as collateral to obtain the loan. However this is only a misconception.

We at LoanMart care about our customers. When you decide to take a loan from us, you will get to keep and drive your car - we will only keep your vehicle's title.

Why your Vehicle may be your Best Loan Option

Cars that typically qualify for LoanMart's Auto Title Loans are newer, with limited damage, and are connected to a clear car title. A slightly used 2006 Honda Civic, for example, would fare much better than a 1986 Toyota that has been in multiple accidents. We just want to make sure that we are able to provide you with a fair and respectable loan amount.

If you have any questions or need some assistance during the application process, our loan specialists are standing by to help you: call us, chat with us, or visit our FAQ page.

What cars will qualify?

Cars that typically qualify for LoanMart's Auto Title Loans are newer, with limited damage, and are connected to a clear car title. A slightly used 2006 Honda Civic, for example, would fare much better than a 1986 Toyota that has been in multiple accidents. We just want to make sure that we are able to provide you with a fair and respectable loan amount.

If you have any questions or need some assistance during the application process, our loan specialists are standing by to help you: call us or visit our FAQ page.

unconventional vehicles

Unconventional vehicles (such as motorcycles, trucks, or classic cars) can qualify for an Auto Title Loan. We recommend that you call us directly to better assess the equity of your vehicle.

If I own more than one car, which car should I choose when I apply?

If you own more than one car, it is important to choose the right one in order to secure the loan you need for your emergency expenses. Although there are other contributing factors, the main factor that determines the amount of funds you could qualify for is the equity in your vehicle.

With that in mind, we recommend that you first determine the amount that you wish to receive from LoanMart. If your car's market value matches the figure you hope to receive, you are in good standing.

If you have multiple vehicles, consider the amount you need, and then choose the car that closely matches that number. Choosing the more valuable car could qualify you for an amount that is greater than what you need. In the same way, a low-valued car may not give you enough funds.

Our application process has been streamlined to exchange information quickly, and it will help get you the money you need all within one business day of submitting your application.

What if you have two names on your car's title?

Your car qualifies for an Auto Title Loan even if there are multiple names on your car's title. As long as you are noted as a legal owner of the vehicle, you can use the title to apply for an Auto Title Loan. However if you are sharing a car with someone without officially being on the title, the car will not qualify for a loan.

If you have any questions please feel free to call us or visit our FAQ page.

Sending in Your Pictures

We will need photos of your vehicle to help determine its condition. The clearer they are, the easier it is for us to judge the value and the condition of your vehicle. This will help us process your loan faster.

Where do I send the photos?

Once you have clicked these photos, send them to us via any of these methods:

Paying off an Auto Title Loan

Once the application is complete and your loan is approved, we will work with you to give you a payment plan that fits comfortably with your lifestyle. You can pay back your loan amount over a period of 12 to 36 months, depending on the terms of the loan upon which both parties mutually agree.

The amount borrowed is based on the equity in the car, the value of the car and the law of the state in which you reside. We will do our best to ensure that the deal is mutually beneficial to both the parties.

Multiple Payment Options

We offer several convenient payment methods to ensure that LoanMart's Auto Title loans are a pleasant experience to each one of our customers. It is not mandatory for our customers to have a bank account in order to secure an Auto Title Loan from LoanMart. Installments of your loan can be paid back to LoanMart each month in one of the following ways:

  1. Mail them to the payment center
  2. Pay by phone with a credit card or a check
  3. Set up automatic electronic payments from a checking account
  4. Pay online by using the MyAccount tab
  5. Pay by smart phone with our LoanMart App
  6. Visit a payment location in person

Detailed Monthly Billing Statements

Just like in any other form of loan, you will receive monthly billing statements from LoanMart if you take an Auto Title Loan. The billing statement will contain important information about your loan, including:

  1. Payment History
  2. Basic Account Information
  3. Billing Information
  4. Payment Methods
  5. Important Messages

If you have any questions, we encourage you to get in touch with us. Call our toll free number 1-844-237-5530 .

Bad Credit or No Credit

Everyone goes through tough times in their life. Unfortunately, whether it's your personal or business credit lines, negative credit issues can stop you from securing a loan when you need it the most. We at LoanMart are very understanding when it comes to your credit history.

Your Past Doesn't Matter

We won't judge you from your past. We will lend you money based on your ability to make payments now.

Poor Credit History?

We are able to lend you money based on the equity in your vehicle. That is why a poor credit history does not carry a lot of weight in influencing our lending decision.

Flexible Payments

Regardless of your credit score, we will work with you to help you get funded with a payment plan that fits well with your lifestyle.

Build Your Credit Score with Us

We report your payment history to Experian and Equifax. We know that life can place unexpected hurdles in your way. We at LoanMart are here to help you through your troubled times. Apply today to get your cash in less than 24 hours.

How You Can Use Your Cash

Every one of us has had to face emergency expenses at some points in our lives. If one doesn’t have enough funds saved up in their bank accounts, there are a couple of routes that they can take to pay off their bills. Many people turn to their family and friends for emergency cash. However, although our family and friends want only the best for us, they have their limitations too. Most of the times, they are not able to provide us with funds right away. Traditional loans are also a good alternative to getting rid of emergency expenses. Nevertheless, the process of applying for a traditional loan is long and time consuming, and it is not a practical alternative during an emergency.

Thank you for taking a chance with me. I was in a serious financial crunch and 1800LoanMart made the difference in keeping my house. I appreciate you in every way. God bless you and thanks again.


A. Huffman

I truly want to take the time to thank those of you at 1800LoanMart. You are truly a blessing in this time of an emergency. I am grateful for your trust. I will honor it by making payments on time. Thank you, again.


C. Douglas

At such times, LoanMart’s Auto Title Loans are a trusted and reliable way to get quick cash. At LoanMart our rates are competitive, and we work with you to give you a payment plan that fits your lifestyle. Moreover we never charge any pre-payment penalties or ask you to make balloon payments.

Help Your Small Business Prosper

Do you need capital for your small business? Have you been turned down for a loan by a traditional bank? LoanMart’s Auto Title Loans for Small Businesses are fast and flexible so you can get back to work doing what you do best.

What could your business do with some spare cash? The possibilities are endless! You could invest in new inventory. You could start a new ad campaign to advertise your company. You could even upgrade equipment to keep up with the competitors!

example business expenses
  • Buying fresh inventory
  • Acquiring new equipment
  • Funding new advertising campaigns
  • Improving your web presence
  • Paying employees
  • Start-up expenses


Although LoanMart has your best interest in mind, how you utilize your cash is up to you. Use LoanMart’s Auto Title Loan to give your small business the boost it needs.

If you have any questions please feel free to call us or visit our FAQ page.