We offer online title loans, and you can apply for a loan with a paid off vehicle!


Anyone in Memphis, TN that's looking for a title loan can apply with Premier and get approved within just a few hours. We work with dozens of local lenders and most companies will get you funded based on a lien free pink slip. Apply today for loan amounts of $3,000 and up!

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    Memphis Title Loans – How They Work & How To Apply

    If you’re in a bind and looking for cash that same day, a title loan from an online lender could be the perfect solution for anyone in Memphis dealing with a financial crisis. These equity loans have security backing them, which means they use your vehicle as collateral to secure the loan. That’s why it’s much easier to get approved for a collateral loan versus an unsecured loan such as a payday loan or installment loan.

    Title loans are different from traditional loans in a few key ways. First, they typically don’t require a credit check, so they’re available even if you have bad credit or no credit history. Compare that to a bank loan which requires excellent credit and takes days to underwrite! And second, you can keep your car while repaying the loan – you have to hand over the title as collateral and get the pink slip back after making all your payments. Anyone in Memphis can expect fast approval if they own a car that’s lien free and not being used as collateral for any other loan.


    Rules & Regulations For Car Title Loans In Memphis, TN

    You need a lien free vehicle pink slip, and proof of income to qualify for a Memphis title loan. You may also need show references and proof of vehicle registration.

    Understand the lender’s repayment terms and conditions before agreeing to anything. This includes knowing when your payments are due and any penalties for late or missed payments. Finally, remember that your vehicle is at risk if you default on the loan, so only use this option if you’re confident in your ability to repay the amount due each month.


    Reasons To Consider A Vehicle Title Loan Near Me In Memphis

    There are many reasons to consider an instant car title loan near me. Perhaps you’re facing an unexpected medical bill or home repair expense. Or maybe you need to consolidate high interest debt into one lower monthly payment. A car title loan can give you the financial flexibility and breathing room to endure tough times. Remember to evaluate all your options before signing on the dotted line!

    A title loan can be helpful for someone who doesn’t have access to traditional forms of credit, like a bank loan. And because they’re secured by your vehicle, they often come with lower interest rates than unsecured loans. They can also be a good option if you need cash fast – some lenders can get you the money you need in as little as 24 hours! Just research and find a reputable lender with transparent terms before applying.


    How Do Title Loans Work In Memphis If I Have Poor Credit

    As we mentioned, one of the benefits of title loans is that they don’t require a credit check. That’s because an equity loan is secured by your vehicle, so the lender has less risk. This makes it much easier to get approved, even if you have poor credit or no credit history! Remember that you’ll need to provide proof of income and residency when you apply. Also, there are some times when your credit history may cause a problem. Secured lenders in Memphis won’t run a detailed credit check, but they will still look for current bankruptcies and recent repossessions.


    Cash for your car in Memphis.


    Loan Amounts And Finance Rates For Memphis Auto Title Loans

    Title loans are typically for smaller amounts than traditional installment loans, with most falling from $500 to $5,000. But because they’re secured by your vehicle, you may be able to borrow more depending on your car’s value and current mileage. Unfortunately, because title loans don’t require standard credit checks, they often come with higher interest rates than unsecured loans – sometimes as high as 300%! That’s why it’s so important to carefully consider all your options before taking out a loan. It would help if you only borrowed what you can afford to repay and be sure to shop around with companies offering Tennessee title loans.


    Title Loan Refinancing In Memphis

    One option to consider if you already have a loan with another lender is a refinance. Did you know you can lower your payments by qualifying for a lower interest rate with a new lender in Memphis? And because the credit requirements are minimal, it won’t take much time to underwrite your application. Premier Title Loans works with customers who took out a loan in Clarksville or other parts of the state and are now looking to reduce their monthly payments or simply trying to get a fast payoff time with a local lender near them. It doesn’t hurt to see if you can get better lending terms with a refi, so contact us today and see how we can improve your current lending situation!


    Applying For A Title Loan In Memphis, TN Online

    Applying for a loan online from a company near me is fast; you may even see an approval that same day. To get started with Premier Title Loans, complete an online application or call us at 800-250-6279. Once approved, you’ll need to bring your vehicle in for a quick inspection so the lender can determine a funding amount.

    The vehicle inspection should take less than 15 minutes and can be done at a registered location in Memphis. Then, you’ll sign the loan agreement and hand over your pink slip as collateral. Once everything is finalized, you can have the money sent to your checking account or pick it up if you’re working with a neighborhood lender. It’s that easy!


    View of lending offices in downtown Memphis, TN.