TITLE LOANS IN INDIANA
WITH SAME DAY UNDERWRITING!

How Do Car Title Loans Work In Indiana

We’ve all been in situations where we can’t pay bills or handle an emergency home repair. But what are your options if you can’t qualify for a loan that requires perfect credit? Or what if you need cash but don’t want to wait a week for an unsecured lender in Indiana to process your application? One way to borrow money is with a car title loan that taps into the collateral from your vehicle. Your vehicle is security for the loan, making it much easier to underwrite your requested loan amount.

Anyone in Indiana with a lien free vehicle can qualify for this type of secured loan, and you can borrow $5,000 or more with same day approval and funding! The title loan process is simple for anyone with a vehicle titled in their name. Call us at 800-250-6279 or apply with Premier Title Loans online, complete an application, and provide the title to your car as security. A title loan company will quickly inspect your vehicle and give you cash for the car’s title. Some customers can get their money from a local lender in Indiana within hours of applying with us.

What Are The Requirements For Indiana Title Loans?

– Own a newer vehicle that’s in your name and paid off. Some lenders can approve loans for cars that aren’t fully paid off, but this is only possible if you owe less than 10% of the vehicle’s value. Most licensed lenders require a pink slip that’s lien free.

– Provide proof of income. This can be a monthly income statement or pay sheet from your current employer. As of 2025, we can still get you approved even if you don’t have full time employment. Simply show proof of monthly income of $1,500 or more to qualify for a title loan in Indiana.

– Government-Issued ID and Proof of Residency in Indiana. Verify your identity with a valid state or federal ID or passport. Verify residency with tax returns or any other document from the Indiana Bureau of Motor Vehicles that shows your current address.

Verify your insurance coverage and registration. A local title loan lender may also send a notary or inspection agent to inspect your vehicle quickly to ensure it is in good condition and has the correct mileage.

If you meet the requirements above, you can be approved for a loan amount between 30% and 50% of the Kelley Blue Book value. The amount largely depends on the vehicle’s resale value in Indiana and additional factors such as its current mileage and accident history.

How Long To Get My Money From A Title Lender In Indiana

Your loan can be processed and underwritten in a few hours if you have all the necessary documents. This means your funds can be wired to your bank account on the same day as when you apply. Most local title loan companies in Indiana will have you fill out a short application online or in person; they can then underwrite your loan and get you an estimate showing payment options within 15 minutes or less.

While it may take a bit longer to get approved with an in-person lender, there’s a chance you can pick up your funds within hours of being approved at any physical location. Some companies in Indianapolis, Gary, and South Bend offer both same day direct deposit and money orders.

Indiana Title Loans With Bad Credit

Most title loan companies in Indiana won’t be concerned about your credit score. That means anyone with a poor credit score can qualify for a title loan because your underwriting is based on the equity in your vehicle. Compare that to an unsecured lender that approves your loan primarily based on credit history, and you’ll see why these loans are possible with bad credit.

Applicants with a credit score of 550 or higher should have no trouble getting approved for a title loan. You can expect a lower loan amount for those with FICO scores under 550, but approval is still likely if there’s sufficient collateral in your car or truck. The bottom line is that auto title loans are possible for anyone regardless of recent credit issues, such as missed payments or loans sent to collections.

What Else To Know About Online Title Loans In Indiana

Auto title loans use your car’s pink slip as collateral, meaning the vehicle itself backs the loan.  If you default on the loan or miss multiple payments, the lender can repossess your car and sell it at auction to recoup their losses. Second, title loans typically have much higher interest rates than personal loans requiring good credit. Rates can be more than 100% for a secured loan, and with that high APR, it becomes difficult to repay the loan fully! This is because they are considered to be high risk loans and don’t require a standard credit check.

So, if you are considering a title loan in Indiana, make sure you can afford the monthly payments and know the risks involved before moving forward with any lender. Also, compare different offers and quotes from highly rated companies if you live in Indianapolis. Most loan providers will have reviews and feedback from current customers online, and you can use that information to make an informed decision.

Find The Nearest Title Loan Lender In Indiana Or Apply Online

If you need cash and have a lien free vehicle, online title loans may be the perfect option. To get started, use the Premier Title Loans online application to get cash from a local title loan lender in Evansville, Fort Wayne, or Indianapolis. Quite a few companies offer in person loans throughout the state, and many of these lenders also provide cash for title loans on RVs and motorcycles. Most of these lenders also provide equity loans on classic vehicles and other high value trucks and SUV’s that are tough to value. Most title loans in Indiana will fund for less than $8,000, but some companies offer $30,000 or more, assuming there’s enough value in your vehicle.  You can apply in person and get the money you need fast with Premier Title Loans!

We have you covered want to apply for a title loan with an underwriting process that’s entirely online. Fill out our short and easy application; you can have the cash you need in as little as 24 hours!  Call us at 800-250-6279 to get started today! Premier Title Loans has agents standing by and ready during regular business hours!