Apply for a title loan online using the form below or call us at 800-250-6279!


Find out how much equity is in your vehicle by applying for a car title loan in Richmond, VA. These online loans are great for someone who has collateral in their vehicle and you can borrow up to $25,000 in Virginia!

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    What To Know About Car Title Loans In Richmond, VA

    With an auto title loan, you can borrow more significant sums than what’s typical with a payday advance, and the processing time is much quicker than with an installment loan. Another bonus is that your credit history is not as important as if you were applying for an unsecured loan. Your car’s equity is what qualifies you for a secured loan, and Premier Title Loans will work to get you the best rates and payment terms!

    Before taking out a title loan in Richmond, explore all other options first. Some title loan alternatives include personal loans, credit cards, and home equity loans. You may also consider a cash advance on your paycheck or ask family or friends for a loan.

    Remember that you risk your car by using it as collateral for a cash loan. If you default, repossession is possible, leading to your lender selling the vehicle at auction to cover the cost of the loan.


    Title Loan Vehicle Inspection Requirements In Richmond

    It doesn’t matter if you apply online or in person, as you will almost always need to have your vehicle inspected to get a car title loan. This is necessary to ensure the vehicle exists and that it’s reflective of the current resale value. The inspection can take place at any licensed location in Richmond or at a place you choose. The inspector will look at the exterior and interior of the vehicle; they will do a quick test drive and confirm the VIN and odometer readings.

    Are you worried about getting a high interest rate or low funding amount based on the inspection? If so, you should get a few other estimates from companies offering title loans near me in VA. Check Kelley Blue Book or different resale values to understand what your car is worth, and look up comparable sales within the state. Once you have a range in mind, you can negotiate with the lender to get a loan more in line with your car’s actual value.


    What Are The Interest Rates For Online Title Loans In Richmond, VA?

    Interest rates for online title loans in Richmond vary depending on the lender, but they are typically high. The average APR for a title loan can be nearly 75%, but some lenders charge as much as 300%. These rates are high because title loan companies are relying on something other than your credit history when underwriting the loan details.

    Some companies will work with you to bring down the APR after you make several timely payments. Contact your customer service agent every time you pay to see if they can renegotiate or refinance your lending terms with an improved APR or lower monthly payment!


    Get up to 20k for your car's title in Richmond.


    Fees To Avoid With A Car Title Loan Lender

    Like most other short term lenders, you can be hit with extra title fees that can be overwhelming if you’re not paying attention. These fees include late charges, pre-payment penalties, and loan origination charges, and many of these can be waived or avoided if you ask the right questions. f you’re not careful, an equity loan on a car can quickly become a debt trap, and that’s the last thing you need when dealing with a financial emergency! The bottom line is to shop around your quote with other title loan lenders and find a company that offers a compatible rate with no extra fees and early payoff charges.


    Apply Now For An Online Car Title Loan In Richmond, VA, With No Store Visit

    An online car title loan can be helpful for anyone facing a situation where they can’t pay their bills. At Premier Title Loans, we work with several direct lenders in Richmond who can get you qualified and approved for a title loan online within a few hours. Apply online or call 800-250-6279 to start your application!


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    Borrow cash from a registered lender in Richmond, VA.