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To apply for a title loan, you must be 18 or older and hold a car title with your name on it. You can apply for a loan online or at one of 1,100+ locations. After applying, you will be instructed to go to one of branches for a visual inspection of your car.

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About 7,730 car title lenders operate in 21 states, charging borrowers $3.6 billion in interest on $1.6 billion in loans each year. A typical borrower receives cash equal to 26 percent of a car's value and pays an annual percentage rate of 300 percent.

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In the United States, a car title loan, is a type of secured loan where borrowers can use their vehicle title as collateral. Borrowers who get title loans must allow a lender to place a lien on their car title, and temporarily surrender the hard copy of their vehicle title, in exchange for a loan amount.