Direct Title Loans

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About Direct Title Loans

How Direct Title Loans Work

Step by step how title loans work

Fill out application online

It takes about 1 minute or less to fill out the title loans application on this website. Don't worry your information is safe and secure.

1st Step
2nd Step

Talk to an account specialist

After the application for the title loan was sent to our account handlers you will be directed to a webpage. This gives you an option to call in or chat with us directly.  We will already have your information and can tell you how much your vehicle is worth for the loan amount. 

Submit your documents

You will need the following:

  • Govt. issued photo ID
  • Free and Clean Title
  • Three references not related to you
  • Insurance (some states require this but not all)
  • Social Security Card (or a Document on which your name and SSN both are listed)
  • Pictures of your car (all 4 sides including VIN and Odometer).

We will do some of the help here if you're having trouble locating some of these things.

3rd Step
4th Step

Title Loans Approval Phase

By this phase we have already gathered all the information we need from you. Our lenders get to crunching numbers and will give you all the details about the loan amount and financing.  If you can provide the items above you're in good shape.

Information you already provided plus the VIN:

  1. Year
  2. Make
  3. Model
  4. Mileage
  5. Trim package and extras you have added since purchase such as aftermarket items (frequently overlooked and could make a difference between the vehicle not being qualified or not)

If you know the VIN number of your car, this will make it much easier and much more accurate to get the correct value.

Finalize the Title Loan Amount and Sign Documents

During the finalization phase you will have to certify some documents. We can do this electronically from the comfort of your home or office. 

5th Step
Final Step

Collect your loan

There are a bunch of ways we can get you the money for your title loan. 

  1. Come directly to the office location.
  2. Go to a partner store. These are usually check cashing or money exchange centers.
  3. If the state allows it, have a notary public meet you at a place of your choosing.
  4. Have it wired to your bank account (same day)
  5. Have it ACH’ed to your account (next day)

loan deposited right into your bank

Frequently Asked Questions About Title Loans

Things you might want to know about a title loan

This is a secure loan based on the equity value of your vehicle and your ability to repay the loan. You still get to drive the car but you also get the cash.

  • Govt. issued photo ID (Like an I.D. or Driver license).
  • Free and Clean Title in most cases but some lenders will allow a small amount to pay off on your behalf.
  • Three references not related to you.
  • Insurance.
  • Social Security Card (or a Document on which your name and SSN both are listed)
  • A checking account may be needed in some states (we can help on this too!).

No. One loan, one car, one person. If you are married and the title is in both of your names, each person can get a car title loan seperately in most cases and the ability for both of you to repay the loan.

In the Los Angeles area and parts of Florida and Texas yes. All other areas no.

Yes. If you are traveling out of state, you will need to sign the paperwork in the state of which you live.

Well that’s a maybe. Most lenders we work with can incorporate the last couple payments into a car title loan but this is only done on newer cars.

Not at all. That is one of the great things about a car title loan. You can have little, bad or even no credit at all.

This varies but we want to give you a pretty clear answer here. Title loans are high interest loans and are meant for short term needs. Interest rates vary by company and by state. Some are as low as 52% per year compounded daily and some go into the 200-300% range per year. In our experience we have seen an average of about 96% per year compounded daily. The best way to think about this is take out one dollar and you pay back a little less than two… if you kept the loan out for a whole year. You can triple that if you take it out for 3 years.

You have to have some sort of income, period. We are more concerned about the fact that you have a way to pay the loan then the question if you are employed. You can be self- employed, or even receive income from some source other than an employer but we will require that you show there is some income to cover the payments.

100% yes. The lenders do not hold your vehicle at all.

Actually yes in most states if you want to. You will need to call us to see where this is available but we can help.

You will need to apply at the Secretary of State for a duplicate title. There are exceptions to this rule so let us know that this situation exists.

Find out how much you can get by filling out the title loans application on this page!  It’s as easy as 1,2,3.  Getting approved in Orlando, Florida has never been this easy! Put cash in your pocket today and get the relief you need.  The best thing about a title loan besides getting cash in your hand today is that you get to keep your car!

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Direct Title Loans - Testimonials

Working with Direct Title Loans was so easy. I applied on the website and within a couple minutes I was speaking with a representative about my loan for my car title. I got the money that day!
Mike Wright - Orlando, FL
Title Loan Amount: $3,000
Needed cash fast and didn't have any other assets besides my car. As soon as I found out that I got to keep my car and get the money I was in! Thanks Direct Title Loans.
Nancy Green - Orlando, FL
Title Loan Amount: $3,300
It was right before Christmas and my husband got injured. We needed money to make our holiday a happy and joyous time for the kids. I went to Google and found Direct Title Loans. I decided to see what i could get approved for.
Frances Lopez - Orlando, FL
Title Loan Amount: $4,700
I went to Direct Title Loans to get my down payment for my new apartment. I knew that since I was starting my new job that I would be able to pay it back. Thanks!
Nick Smith - Orlando, FL
Title Loan Amount: $2,000