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  • Fast and simple application
  • Applying does NOT affect your credit score!
  • Bad credit OK
  • No credit check

Granting the Best Car Title Loans to Our Clients Since 2016!

Kyle Drummond

Kyle is a talented and knowledgeable financial advisor. In just one year, he's ascended from a junior advisor to a middle advisor. He loves to share his knowledge with his customers and readers alike!

Do you have expenses to cover or need to make a major purchase with insufficient funds? If so, perhaps you should consider applying for a loan.

A car title loan presents an excellent solution for individuals looking to cover unpaid bills and large expenses. They are short-term and don’t involve checking your credit score. Keep reading to learn how they work and how to get one with DirectLoanTransfer.

Bad Credit

Can I Have a Title Loan With Bad Credit?

Loan applicants can get approved for a title loan online even with bad credit. Title loans require a vehicle as collateral, so they are essentially risk-free for the lender. This means you don’t need good credit to access fast cash.

Other kinds of loans, like payday loans, have lower approval rates. Such lenders usually require a regular income and a long list of other requirements. Hence, auto title loans are the preferred loan for those in need of fast cash.

Can I Have a Title Loan With No Credit Check?

Most lenders offer title cash loans with no credit check because your vehicle acts as security. Essentially, your credit score doesn’t play a significant role with this type of loan. You sign a contract agreeing that if you do not repay, the lender can take possession of your car.

Unsecured loan lenders pose stricter qualification requirements because they have no collateral to lean on. So, they look for creditworthy borrowers, making a credit score check inevitable.

Can I Have a Title Loan When Unemployed?

Even if you’re unemployed, you can still apply for pawn loans and offer your vehicle as collateral. If you don’t have the funds to cover the loan, the lender will seize your vehicle title. That’s why a salary doesn’t play a huge role for our lending partners.

The market value of your vehicle is most important. The amount you can borrow matches a certain percentage of the estimated value of your car.

Can I Have a Title Loan With Instant Approval?

If you require quick cash, you can get instant approval for a title loan at DLT. The direct lender may perform just a soft credit check or no credit check at all. Note that even if you have a poor or bad credit score, it won’t affect your eligibility.

his significantly eases the loan process, and you have better chances of getting approved. You’ll get your money ASAP, probably the same day if you apply early in the morning.

Are Title Loans a Good Choice for Me?

Advantages Disadvantages

Get cash fast

High-interest loans compared to traditional bank loans

Come with a high approval rate

Risk of losing your vehicle

Credit inquiry is typically not required

Can’t sell your vehicle until you pay off the loan

A low credit score does not affect your eligibility


Higher borrowing amounts than payday loans


Lower rates and fees than a personal loan


Why DLT Is Your Best Bet for a Title Loan

We strive to connect you with a lender who offers the best deals possible. Instead of searching through hundreds of lenders, we do the heavy lifting for you. We’ll find you a lender suitable for your needs; even if you have bad credit or are unemployed, you can count on us.

How Do Title Loans Work?

  1. Use the application form located on the DirectLoanTransfer front page and provide us with the necessary information.
  2. Our title cash advance experts will review your request and approve it.
  3. Your application is sent over to eligible auto title lenders.
  4. A lender will contact you directly if they can offer a deal that matches your needs.
  5. You may be asked to provide photos of your vehicle.
  6. If everything looks good, you will receive an offer.
  7. Read the terms and accept it.