What is a Title Loan?
A title loan is a loan in which a vehicle serves as collateral for the loan amount. If approved, you get to keep driving your car! Title loans at ACE Cash Express are offered only in-store. The availability of loans and the loan amount offered varies for each state where we offer title loans. Title loans are not available in every state.
What Do I Need to Apply for a Title Loan?
To apply for a title loan in-store, you will need the following:
- Phone number
- Clear title in your name
- Valid, government-issued photo ID
- Proof of a steady source of recurring income, such as employment, disability, retirement, self-employment, or another income source
Title Loans FAQs
You can apply for a title loan in Arizona, Louisiana, select Tennessee stores, Oregon, or Texas (not offered in Austin, Dallas, or Fort Worth). Visit an ACE Cash Express location to apply in person. Be sure to bring in a clear title with your name on it, a valid, government issued ID, proof of an active bank account that we ask to be open for at least one month, and evidence of a steady source of income such as employment, retirement, disability, self-employment, or another recurring source of income.
Maximum loan amounts vary by state. The amount you may be approved for varies based on your state and our standard underwriting criteria. You can visit a store and apply in person in these states:
Every ACE loan comes with a 72-hour satisfaction guarantee. To cancel the loan, you must return the proceeds from your loan to the store where your loan was originated within 72 hours of receiving your loan. Depending on your state, you may also be required to sign a cancellation notice that was provided to you at the time of approval.
Other Short Term Loans at ACE Cash Express
Why Choose ACE
Getting a title loan at ACE has plenty of benefits:
- Fast and easy application
- Instant loan decision
- You get to keep driving your car
- Cash on the spot1