VEHICLE TITLE LOAN OPTIONS
FROM A LICENSED COMPANY

How Vehicle Secured Financing Works With Premier Title Loans

We know many lending choices are available to those who need short term cash. You can apply with your bank for a personal loan or contact your local credit union to see if they have any low-interest funding options. Some consumers with bad credit will seek payday loans or cash advances to meet an immediate cash crunch. However, those options may lead to problems, as interest rates are extremely high on most unsecured bad-credit loans.

With a car title loan, you can leverage the equity in your vehicle and borrow 30% or more of its value. Secured loans are available in many states, and Premier Title Loans can get you pre-approved online or by phone at 800-250-6279.

Even though vehicle-secured loans are synonymous with quick cash, did you know that multiple financing options don’t involve putting up a vehicle as collateral? It all depends on a few essential factors when underwriting your loan. For example, what’s your current credit situation, and how much is your vehicle worth? Some states don’t allow secured loans. Other states will require you to apply for different loan options.

Car Title Loans With Direct Deposit

The most widely used method of secured financing is a car title loan. With this form of borrowing, an applicant uses their vehicle’s pink slip to guarantee a secured loan. The borrower must show sufficient equity and have no past liens or current bankruptcies. Like a payday loan or installment loan, this method of borrowing has high fees and interest rates. Loan amounts for car title loans vary and are primarily based on your vehicle’s equity. In states like Florida and Texas, you can borrow between $1,000 and $25,000. In other states, such as California, the minimum loan amount is often $2,501.

Online lenders can hold your vehicle title as collateral while you have the loan, allowing you to keep your vehicle while the monthly payments are made on your loan. Anyone who owns a car with a free-and-clear title can apply for next-day funding. Apply online with Premier Title Loans and get pre-approved in hours.

You may be surprised to know that it’s not just cars that can be used as collateral for a loan. As of 2026, we offer pre-approval to qualified customers seeking to cash out equity in a motorcycle, commercial truck, or RV. We also offer boat title loans for some high-value boats. As long as there’s enough equity and your vehicle can be titled and registered, it should qualify as collateral. Contact us at 800-250-6279 to see if you are eligible.

Vehicle Title Pawns With Fast Cash From A Direct Lender

Another loan option is a title pawn. With a vehicle title pawn, you will hand your pink slip, keys, and vehicle to the lender as collateral. This option is less common than a standard title loan, largely because most borrowers prefer to keep driving their vehicle during the loan term. Not everyone wants to take out a loan but hand over the keys to their vehicle, and we understand that. Instead, consider other types of secured loans, like those on a boat or motorcycle, if you have one with full equity and no liens.

We still see a few title pawn companies that offer loans where they keep your vehicle as collateral. Most are legitimate retail pawn shops, and a vehicle pawn works much like a pawn on other items. For example, you can get cash for a diamond ring or other expensive item. The same applies if you pawn your vehicle to pay for emergency expenses.

Registration Loans And Other Ways To Get A Loan With Premier Title Loans

Some states, such as Arizona, allow a type of loan called a registration loan. This online funding enables you to receive cash even if your car is not paid off or titled in your name. For instance, you needed to borrow a few thousand dollars. It won’t be easy to qualify if you still owe your bank or lender the initial amount you borrowed to pay for the car. A registration loan provides a solution; getting approval is much easier than with a pink slip loan. You can still get cash for a vehicle, but you don’t need to turn over the pink slip. Most online registration loans are written for less than we often see from loans that use a vehicle as collateral. Registration loans are often written for amounts under $1,000, compared to the higher loan amounts available with a vehicle-secured loan.

We see registration loans written all the time in Arizona. To be approved, you must provide your registration information, proof of income, and a government-issued ID.

Believe it or not, there are even more ways to get cash with a vehicle-secured loan. As of 2026, we may be able to connect you with a lender that offers second-lien title loans, allowing you to be approved for an additional loan even if there’s a primary lienholder on the car’s title. These loans are rare, but in some circumstances, both lenders will agree to new terms for a 2nd-lien loan. We also provide pre-approval for salvage titles and classic vehicles, and some companies we work with may offer funding for out-of-state title loans. This means you may qualify to work with a licensed lender from a neighboring state, even if your vehicle is not registered there.

Whatever secured lending offer you choose, Premier Title Loans can help you find a lending option suited to your vehicle and state. Call 800-250-6279 or apply online for a quote.