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 are a for-profit company 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. Social Security Card
    4. Vehicle Registration
    5. Proof of Insurance
    6. Most Recent Paycheck Stub
    7. Current Utility Bill *

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

    (*) Additional Residency Documents May Be Required

  • How much does it cost?

    Our interest rate is 1% to 3% per month (12% 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 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 & 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.


  • 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.

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

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

  • 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.

  • Do you perform a credit check?

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

  • 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 other companies loans.



  • 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.