Title Loan Calculator

Calculate your estimated monthly payment and see the full cost breakdown of your title loan.

Loan Details

$5,000

Typically 25% - 50% of your vehicle's value

Interest rates vary by state

Newer vehicles may qualify for better rates

Your Estimated Payment

Monthly Payment: $--
Total Interest Paid: $--
Total Repayment: $--
Estimated APR: --%
Note: These are estimates only. Actual rates depend on your state, lender, vehicle condition, and credit profile.

Total Cost Breakdown

Principal: $0
Interest: $0

Payment Schedule

Payment # Payment Date Payment Principal Interest Balance

⚠️ Important Information About Title Loans

  • High Interest Rates: Title loans typically carry APRs from 36% to 300%, significantly higher than traditional loans.
  • Risk of Repossession: Your vehicle serves as collateral. Failure to repay can result in losing your car.
  • Short-Term Solution: Title loans should only be used for emergency expenses, not long-term financing.
  • State Regulations Vary: Some states regulate title loans more strictly than others. Check your local laws.
  • Consider Alternatives: Explore credit unions, payment plans, or personal loans before choosing a title loan.

What You'll Need to Qualify

Clear Vehicle Title

You must own your vehicle outright with a lien-free title in your name. The title serves as collateral for the loan.

Valid Government ID

A current driver's license or state-issued ID is required to verify your identity and residency.

Proof of Income

Recent pay stubs, bank statements, or other documentation showing you have the ability to repay the loan.

Vehicle Inspection

Your car will be inspected to determine its current market value and condition.

Proof of Residence

Utility bill, lease agreement, or other document showing your current address.

Vehicle Insurance

Most lenders require that your vehicle maintains current insurance coverage throughout the loan term.