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Direct lending options to use my vehicle title as collateral

We know many lending choices are available to those who need short term cash. You can apply with your bank for a personal loan or contact your local credit union to see if they have any low interest funding options. Some consumers with bad credit will seek payday loans or cash advances to meet an immediate cash crunch. However, those options may lead to stress and problems as the interest rates are incredibly high for most unsecured bad credit loans. Those choices contrast with what you can do with a free and clear pink slip. Most applicants know they can access cash with a collateral loan on a car.

With a car title loan, you can leverage the equity in your vehicle and borrow up to 70% of its value. Secured loans are available in most states, and Premier Title Loans can get you approved online or by phone at 800-250-6279!

Even though a car title loan is synonymous with quick cash, did you know multiple financing options don’t involve putting up a vehicle as collateral? It all depends on a few essential factors when underwriting your loan. For example, what’s your current credit situation, and how much is your vehicle worth? Some states don’t allow any car title loan offers. Other states will require you to apply for different loan options. Let’s break down the various choices you have.

Car Title Loans With Direct Deposit

The most widely used method of secured financing is a car title loan. With this form of borrowing, an applicant uses their vehicle’s pink slip to guarantee a secured loan. The borrower must show sufficient equity and have no past liens or current bankruptcies. Like a payday loan or installment loan, this method of borrowing has high fees and interest rates. Loan amounts with a car title loan can vary and are primarily based on your vehicle’s equity value. In states like California and Texas, you can borrow between $2,500 and $25,000, and the funds will be sent by direct deposit in 24 hours or less.

Online lenders can hold your vehicle title as collateral while you have the loan, allowing you to keep your vehicle while the monthly payments are made on your loan. Anyone who owns a car with a free and clear title can apply for next-day funding. Apply with Premier Title Loans online and get a funding decision on the same day.

You may be surprised to know that it’s not just cars that can be used for a title loan with direct deposit. As of 2025, Premier Title Loans now offers access to financing for anyone who wants to cash out equity from a motorcycle, commercial truck, or RV. We also offer boat title loans for any vessel registered with the DMV! As long as there’s enough equity and your vehicle can be titled and registered, it should qualify as collateral. Contact Premier Title Loans at 800-250-6279 to see if you are eligible for a title loan!

Vehicle Title Pawns With Fast Cash Access

Another loan option is a title pawn. With a vehicle title pawn, you will hand your pink slip, keys, and vehicle to the lender as collateral. We don’t see this financing option much anymore because a traditional car title loan is better. Not everyone wants to take out a loan but hand over the keys to their vehicle, and we understand that! Instead, consider other types of title loans like a boat title loan or motorcycle title loan if you have either of those with full equity and no liens.

We still see a few title pawn companies that offer loans where they keep your vehicle as collateral. Most are legitimate retail pawn shops, and a vehicle pawn functions much like what you would expect with other items. For example, you can get cash for a diamond ring or other expensive item. The same applies if you pawn your vehicle to pay for emergency expenses.

Registration Loans And Other Ways To Get A Loan With Premier Title Loans

Some states allow what is called a registration loan. This online funding enables you to receive cash even if your car is not paid off or titled in your anme. For instance, you needed to borrow a few thousand dollars. It won’t be easy to qualify if you still owe your bank or lender the initial amount you borrowed to pay for the car. A registration loan provides a solution; getting approval is much easier than a pink slip loan. You can still get cash for a vehicle, but you don’t need to turn over the pink slip. Most online registration loans are written for less than we often see from title loans that use a vehicle as collateral. You’re typically looking at $2,000 or less, while a car title loan can net you up to $15,000.

We see registration loans written all the time in Arizona. To qualify, you must provide current AZ registration, a bank statement, and other relevant information, such as proof of residency and valid vehicle insurance. Most online lenders want to see that you have a checking account with direct deposit.

Believe it or not, there are even more ways to get cash with a title loan from Premier Title Loans. As of 2025, we offer access to second lien title loans where you can be approved for another loan, even if there’s a primary lienholder on the car’s title. These loans are rare, but in some circumstances, both lenders will agree to new lending terms on 2nd lien title loan. We also provide equity loans for salvage titles and classic vehicles, and some companies we work with offer funding for out-of-state title loans! This means you can work with a licensed lender from a neighboring state even if your vehicle is not registered there!

Whatever secured lending offer you choose, Premier Title Loans has you covered when getting the best rates and specialized customer service with a direct loan. Call us at 800-250-6279 to learn more about all our lending options, or apply online to get a same day quote today!