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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.

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.

These loans typically are for 15 or 30 days and have a triple-digit annual percentage rate (APR) ﾗ a much higher interest rate than most forms of credit. Car title loans often are for an amount that is 25 percent to 50 percent of the value of the car. On average, these loans are for $100 to $5,500.

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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.