Welcome to the's frequently asked questions page. We hope you will find the information you need. You can also chat with one of our online representatives 24 hours a day through our "Live Chat" link.

  • Who is

    We started 11 years ago to help people who needed secured, short term loans. Car title loans are simpler and faster than home equity loans and more stable than payday loans. They make the most sense for everyone involved.


  • What is an auto title loan?

    An auto title loan is a short term loan secured against your automobile.

  • How do I qualify?

    (1) Vehicle needs to have a wholesale value of $2500.00.
    (2) Vehicle cannot be over 10 years old.
    (3) Loan applicant must be at least 18 years of age.

  • What is required to apply for an auto title loan?

    1. Auto title (free and clear of any liens)
    2. Drivers License
    3. Vehicle Registration
    4. Proof of Insurance

    LOAN APPROVAL: Your application will either be approved or declined based on's evaluation of your submitted information.

  • Will this affect my credit score?

    Applying for a loan with will not affect your FICO credit score. We determine eligibility based on the evaluation of your submitted information.

  • How much can I borrow?

    The loan minimum is $2,000.00. The amount you may borrow is determined by the wholesale value of your vehicle.

  • How much does it cost?

    Our interest rate is 1.33% to 3% per month (16% to 36% APR) depending on the state of residency. The loans provided by are fully amortized installment loans. This means that a portion of your payment goes towards the interest and a portion goes to the principal. A customer can choose the term of the loan, either 12 or 24 months. See our Fee Schedule section for more information.

  • How & When do I get the funds from my loan?

    We fund the loans with a direct bank wire. Funds are available the same business day the contract is signed, provided the electronic signature occurs by 2pm CST.

  • What States are your products offered in?

    Please reference the States & Rates link on the top of this page.

  • What happens when my payment is due? will contact you on your payment due date by phone and e-mail. Payment may be made by four (4) different methods, Debit Card/VISA/MASTERCARD (preferred), money order, certified check, or MoneyGram. A customer must pay at least the monthly installment which is due. Additional payments are accepted in any increments.


  • How long does it take to get a loan approved?

    In most cases, the results are available in 60 minutes.

  • What if I have poor credit or have filed bankruptcy?

    Neither poor credit nor bankruptcy will automatically deny your loan request. However, your bankruptcy must be discharged for a minimum of 10 years.

  • Do you perform a credit check?

    No, does not perform a hard credit check, but does verify information with several national databases, including Teletrack.

  • What hours is the service available?

    We accept vehicle title loan applications 24/7/365. Our Customer Service staff is available from 8 am to 7 pm Monday-Friday (CST), 9 am to 1 pm Saturday and Closed on Sunday. We can only electronically fund loans to your checking/savings account Monday through Friday.

    Applications received after 6:30 PM CST are processed the next day.

  • How does getting an auto title loan work?

    Step #1 - Complete our online application through our secure website. You will receive an automatic response email with your application ID.

    Step #2 - If preapproved, a loan officer will contact you to thoroughly go through the loan process. If the application is denied, you will receive a second email detailing the denial.

    Step #3 – After signing the loan contract, the proceeds of your loan will be electronically wired into your checking account that business day (assuming the transaction was completed by 2:00 pm CST).

    Step #4 – On your due date, will phone and e-mail you regarding your payment. You will have the option to choose the payment method that works best for you.

  • Do I need any additional collateral?

    No, your vehicle is your collateral.

    Remember with our loan, THERE IS A BEGINNING AND AN END!!!

  • What should I do if I can't make a minimum payment?

    If you are unable to make the minimum payment on your due date, send an email to or call (800) 513-7960 to make alternate payment arrangements.

  • Can I pay off my loan early?

    Yes, when you pay a loan off early you save even more money! If you take a loan out for 12 months, but pay it off in the 7th month, you save the interest payments for the remaining five (5) months. This means you are never charged for more than the actual number of months your loan is outstanding.

  • How can I change my due date?

    If you are unable to make a payment on your scheduled due date, send an email to or call (800) 513-7960 to request an extension.

  • How do I pay off my loan completely?

    To pay your loan in full, send an email to to request a loan payoff.

  • What happens if I default on a loan? will work with you to ensure that you have every opportunity to pay off your obligation. If you are unable to meet your obligation and default on your loan, your vehicle may be repossessed.

  • What if I do not have access to my computer when my loan is due?

    You can access from any computer, such as at your local public library, most copy centers and Internet cafes. will phone and email you on your due date. Remember, you can always contact us at (800) 513-7960.

  • Do you refinance loans?

    Yes, we refinance auto title loans from other companies.

    I have a loan from another company that is not a title loan. Can I refinance it with
    No. does not refinance loans from Finance Companies, Banks, Savings & Loans, Credit Unions or any other financial institution. We only refinance auto title loans.

  • Military Loans

    Do you offer loans to military personnel?
    Yes. is proud to offer auto title loans to active military personnel, reservists and their families.

    Does comply with the Military Lending Act?
    Yes. is 100% compliant with the Military Lending Act. This means military members can be confident that they are receiving a loan that is fair and transparent.

    What is the Military Lending Act?
    Effective October 1, 2007, the Department of Defense final regulation of the Talent-Nelson amendment imposed restrictions on certain types of consumer lending. The final regulation focused on predatory products. The most significant restriction is a 36% APR cap on loans to service members and their dependents, protecting military families from excessive APRs. These new restrictions will severely limit certain lenders from continuing to do business with service members and their families. The law protects a regular or reserve member of the military serving on active duty, the service member's spouse, and the service member's children.

    What does it mean for a company to be Military Lending Act compliant?'s compliance with the Military Lending Act means that military members and their families are guaranteed:
    ~Interest rates no higher than 36% APR
    ~No prepayment penalties
    ~Written and oral disclosure of all loan terms
    ~No mandatory allotments
    ~No mandatory arbitration
    ~No "rollover" of the loan

    Is your loan process different for military personnel?
    No. Our quick and easy loan process is the same for all our customers.

    Are payments from military members made by allotments?
    No. never takes money out of your account. Loan payments are accepted using a credit/debit card, money order, certified check or MoneyGram.

    Will my Commanding Officer be notified?
    No. Unless you tell your C.O., they will have no reason to know about your business with us.

    Do you offer loans to military personnel in all states?
    We offer loans to military personnel in every state we service except South Carolina.

    How much can I borrow?
    The minimum loan amount varies by state. Check our States & Rates page for your state's minimum. The amount you may borrow is based on the wholesale value of your vehicle. offers the highest "Loan To Value Ratio" (LTV) for your vehicle.
    ~Vehicle's with model years 2007-2014 are eligible for up to 75% of the wholesale
    value of the vehicle.
    ~Vehicle's with model years 2004-2006 are eligible for up to 65% of the wholesale
    value of the vehicle.
    ~Vehicles over 10 years old are not eligible.

    Is there a credit check?
    No. does not perform a hard credit check, but does verify information with several national data bases including TeleTrack.

    Can I pay off my loan early?
    Yes. You can pay your loan off in full at anytime. There are no prepayment penalties.

    Do you require additional "debt protection" insurance on the loan?
    No. There are no "debt protection" policies or other programs added to the loan.

    What is required to apply for a loan?
    ~Auto Title (free & clear of all liens)
    ~Driver's License
    ~Social Security Card
    ~Proof of Insurance
    ~Most Current LES/paystub (full month)
    ~Current Utility Bill*
    *Additional residency documents may be requested.

    Can I get a loan if I've had a bankruptcy?
    A bankruptcy does not automatically disqualify your loan request. However your bankruptcy must be discharged a minimum of ten (10) years.

    How can I keep track of my loan? makes it easy to manage your loan. Log onto the "My Account" page and you can review your payment information, due dates and your loan documents.

    How and when do I get the funds from my loan?
    We fund our loans with a direct bank wire. Funds are available the same business day the contract is signed, provided the the electronic signature occurs by 2:00pm CST.

  • Do you charge a prepayment fee or penalty?

    There are no prepayment penalties.


  • How secure is my information? takes security and your privacy to the highest level. uses only the latest Encryption. This means your information will not be exposed to third parties when you are on or off our website. does not share or sell your personal information to third party marketers. only shares information with third party providers for the purpose of fraud prevention and detection. Your personal information is also used in the loan approval process.

  • What is an IP Address?

    IP Address stands for Internet Protocol Address. This is the electronic address assigned to you by your Internet Service Provider (ISP) that is used to identify your computer during your time on the Internet.

  • Why is my IP address appearing on your website? uses your IP address in conjunction with your electronic signature to prevent fraud on all loan transactions.

  • How do you use my IP address information? blocks any known fraudulent domestic IP addresses. reserves the right to share this information with the appropriate authorities if a fraud attempt is detected.


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