Auto & Title Loans in Southern & Central United States
What auto and title loans are
An auto or title loan lets you borrow money using a vehicle you own as collateral. Title loans typically use your car's title as security for a short-term loan, often repaid in 15 to 30 days or rolled into a longer installment plan. Auto equity loans work similarly but sometimes stretch over months with fixed payments. Lenders in this category range from single-location storefronts to regional chains with dozens of branches, and we track 163 of them across the Southern and Central United States, from small-town lots to city offices.
What to look for before you sign
The loan amount usually depends on your vehicle's value, not your credit score, which is why these loans close fast, sometimes the same day. That speed comes at a cost: annual percentage rates can run far higher than a bank loan or credit union personal loan. Before borrowing, check whether the lender reports the full APR up front, whether there are prepayment penalties, and what happens if you miss a payment (repossession terms vary by state and by lender). A trustworthy shop will explain the total repayment amount in plain terms and won't pressure you to borrow more than the vehicle needs.
How we score listings
Our ratings weigh how clearly a lender discloses terms, how customers describe the repayment and payoff process, and how consistently the business follows through on what it advertises. Full detail on how we weigh and verify each factor is on our methodology page.
Connect with auto & title loans
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All auto & title loans, ranked by score and relevance
163 businesses. The order weighs each business's overall score by how much of its reviewed work is auto & title loans, so a lower-scored specialist can rank above a higher-scored generalist. Filter and sort below, or open the full map view.
Enquiries submitted through our contact forms may be shared with partner providers who can carry out the work, and we may earn a referral fee from those introductions. Our rankings and scores are based on our published method only and are not affected by referral fees.
Common questions about auto & title loans
- How much does a title loan typically cost?
- Costs vary widely by state and lender, but title loans commonly carry monthly fees in the range of 8% to 25% of the loan amount, which translates to a much higher APR than a typical bank loan. Always ask for the total dollar cost of repayment, not just the monthly fee.
- How much can I borrow against my car?
- Lenders generally base the loan on a percentage of your vehicle's resale value, often 25% to 50%, after an in-person or online inspection. A newer car with a clean title and low mileage will qualify for more.
- What happens if I can't repay on time?
- Most lenders offer a rollover or extension for an added fee, but missing payments repeatedly can lead to repossession since the vehicle secures the loan. Ask about grace periods and repossession policies before signing anything.
- How do I judge whether a title loan company is reputable?
- Look for clear written disclosure of the APR and total repayment cost, a state lending license where required, and straightforward answers about late fees and repossession. Vague answers or pressure to borrow more than you need are red flags.
Guides to choosing auto & title loans
- Auto title loan costs, interest, and repossession risk
Title loans lend against your car, which changes the math and the risk. Here is what typically drives the amount you can borrow and what it costs.
- Auto title loan repossession rules in Texas: what happens if you fall behind
Missing a title loan payment does not mean immediate repossession, but the timeline moves faster than most people expect. Here is what typically happens.