Vehicle Equity Financing

Your car is the key
to quick cash.

Use your vehicle title to secure a loan from $1,000 to $50,000. Get the funds you need today and keep driving your car while you repay.

Check Eligibility
A+
No Hard Credit Check*

How Title Loans Work

A title loan is a secured loan where you use your vehicle as collateral. It's a great option if you have less-than-perfect credit but own your car.

1

Apply Online

Fill out a simple form with your personal info and vehicle details (Make, Model, Year, Mileage). It takes less than 5 minutes.

2

Vehicle Appraisal

We assess your vehicle's value. This can often be done via photos or a quick inspection. The loan amount depends on this value.

3

Get Cash & Go

Once approved, you hand over the title (not the keys!), get your funds, and drive away in your own car.

What You Need to Apply

Approval is faster when you have your documents ready. Since the loan is secured by your vehicle, the paperwork is minimal.

Start Application
  • Lien-Free Car Title The title must be in your name with no outstanding loans against it.
  • Government-Issued ID Driver's license or state ID card.
  • Proof of Income Pay stub, bank statement, or benefits letter showing ability to repay.
  • The Vehicle We need to see the car (in person or photos) to determine value.

Estimate Your Title Loan

Enter a loan amount based on your car's value to see potential payments.

$5,000
Min: $200 Max: $50,000
12 Months
Min: 3 Mo. Max: 72 Mo.

Estimated Payment

$ 444 /mo
Interest Rate (APR)12.00%
Total Interest$324
Total Payback$5,324
Apply for Title Loan

*Rates vary by state and credit profile. This estimation is not an offer of credit.

Title Loan FAQs

Common questions about using your vehicle for a loan.

Do I get to keep driving my car?

Yes! This is the biggest misconception about title loans. You hand over the title as collateral, but you keep the keys and continue driving your vehicle as normal while making payments.

Can I get a title loan with bad credit?

Absolutely. Because the loan is secured by the value of your vehicle, your credit history is less important. We approve many customers with poor or no credit who have a lien-free vehicle.

How much money can I get?

Loan amounts range from $200 up to $50,000, depending on the market value of your vehicle and your ability to repay. Higher-value cars generally qualify for larger loans.

What if the car isn't paid off yet?

To qualify for a traditional title loan, you typically need a "clear" title, meaning no other loans are on it. However, if you are very close to paying it off, give us a call to discuss your options.

For over a decade, Acorn America has been the bridge to better financial stability for thousands of Americans. We are committed to responsible lending and transparent terms that empower you to take control of your future.

IMPORTANT DISCLOSURES: This service is not available in all states. AcornAmerica.com is not a lender and does not make loan or credit decisions. We connect interested persons with a lender from our network of approved lenders.

APR Disclosure: The Annual Percentage Rate (APR) is the rate at which your loan accrues interest and is based upon the amount of your loan, cost of the loan, term of the loan, repayment amounts and timing of payments and payoff. Lenders are legally required to show you the APR and other terms of your loan before you execute a loan agreement. APRs vary ranging from 5.99% to 35.99% for personal loans.

*Funding Speed: Online approvals before 10:30 AM ET (M-F) are typically funded to your bank account by 5 PM ET same-day. Approvals after 10:30 AM ET are typically funded in the morning the next business day.

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