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Apply for a LoanCenter's loan


How to Apply


LoanCenter selects borrowers based on several main criteria: geographical location, credit history, and solvency. To get a title loan, you must pass the following parameters:

  • Your age must not be less than 18 years old.

  • You should be a citizen or permanent resident of the United States.

  • Your place of residence must be one of the following states: Arizona, California, Georgia, Idaho, Missouri, New Mexico, South Carolina, or Utah.

  • You must have a confirmed source of income.

Application details

First, select the product you need on the LoanCenter website. The simplest options for registration are refinancing and title loans. Applying for these types of loans will take you no more than two minutes. To do this, you need to provide the following information:

  • Make, model, and year of manufacture, equipment, and mileage of your car;

  • The amount of the loan you want to receive;

  • Your name, email address, phone number, and postal code;

  • The company will also ask you exactly how you found out about LoanCenter.

To apply for a title loan, the borrower must have:

  • Driver's license;

  • State-issued identity card;

  • A vehicle in your name (cars, motorcycles, and SUVs);

  • Ownership of the car without collateral;

  • Inspection of the car by a representative of the company;

  • Proof of income (it can be payment receipts, pension checks, disability checks, or unemployment benefits).

Users can receive a response about their approval within a few hours. If you have received approval, a LoanCenter representative will contact you and familiarize you with the terms and rates of your loan.

The reasons for the refusal are usually the following problems. You can borrow most of LoanCenter's products only if you live in one of the eight states: Arizona, California, Georgia, Idaho, Missouri, New Mexico, South Carolina, and Utah.

If the borrower does not live in any of the eight states serviced by the company, LoanCenter will not be able to issue a loan to you. Bad credit history is also a common reason for rejection.

If the borrower meets the requirements, LoanCenter will offer the maximum amount of money possible for him, the expected APR, and the estimated repayment period of the loan. Users also need to fill in the following additional fields:

- Period of time the borrower lives at this address

- The duration of his term of work

- Monthly gross income

- The desired amount of the loan for ownership

- Estimated amount of the initial payment

- A monthly payment suitable for the borrower.

LoanCenter transfers money to the borrower as soon as he receives approval. To do this, you need to pass a preliminary qualification. If refinancing is your choice, then they will repay your loan immediately with another bank after you receive approval.


Do I need to sign my car as collateral for LoanCenter?

LoanCenter title auto loans work the same way as any other title loan. You get the loan amount using your car as collateral. As soon as you pay off the entire loan amount, the company returns your collateral to you.

What should I do to get approved by LoanCenter?

You will get approved if you meet the LoanCenter requirements. You must live in the state where the company works, have a stable income and be at least 18 years old. To get a car title loan, you need a car that meets the minimum cost requirements and your ability to repay the loan.

Can I take a loan from LoanCenter if I have a loan with another lender?

Yes. The company provides competitive rates and flexible payment terms, helping to pay off previous loans from other banks.

Can I have a loan if I am unemployed?

Yes, you can. However, the company must obtain confirmation that you are able to make payments. You must show information about your income. In addition, you can have a co-signer for your loan.

Calculate loan payments in LoanCenter

LoanCenter calculator will allow you to calculate an approximate payment schedule for the loan

Loan amount

Enter the desired loan amount

2000 $
30000 $
Loan term

Specify the loan term for the calculation


What to focus on before applying for a loan with LoanCenter

To ensure the lender is legitimate, check if it meets the following criteria:

How do you know if a loan company is registered?

The lending company is registered with the US Securities and Exchange Commission (SEC) and has a tax identification number (EIN). Note that tribal lending companies operate under the jurisdiction of tribal laws, and they don't have to register with the SEC. But still, tribes must act under federal consumer protection laws enforced by the Consumer Financial Protection Bureau (CFPB) and Federal Trade Commission (FTC).

According to the FTC requirement, the lending company is registered in your state, excluding tribal lenders abiding by tribal and federal laws only. That is why tribal lending companies can charge interest rates exceeding your state's maximum.

Finally, the State Attorney General can verify the registration of the lending company if you need additional proof of whether it is legitimate.

If a US lending company scams you, please report to local law enforcement, your state attorney general, CFPB, or FTC.

Finanso® also recommends

Learn the total cost of a loan, including:

It will be best to read a loan agreement carefully before signing it. If any part of the agreement seems incomprehensible, do not hesitate to ask the lender about particulars.

Remember that you don’t have to make an immediate decision when considering getting a loan. However, you must be sure that you are ready to repay following your loan documents. If the lender’s terms and conditions are uncomfortable for you, you are free to search for another proposal, as there are about 780 lending companies in the US.

What’s the difference between LoanCenter and a bank?

  1. You need to have a good credit history to qualify for a credit card with a bank. In contrast, even bad credit history debtors can borrow money from US lenders with personal or payday loans. 
  2. Interest rates and annual percentage rate for a loan with an online lending company are significantly higher than with a credit card released by a bank.
  3. Applying for an online loan with a lending company doesn’t require paperwork or even visiting their office. Instead, a borrower can apply entirely online and receive money via direct deposit on the next business day.
  4. The online lending business is high-risk for investors, and their capital is not protected from unfair borrowers.
  5. A loan with legitimate loan companies for bad credit is a simple but expensive form of borrowing to resolve financial hardship.
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All LoanCenter’s reviews by October 2022
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