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Rating by Finanso®

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.



About lender

TitleMax is a privately owned lending company. Along with other brands like TitleBucks, EquityAuto Loan, and InstaLoan, TitleMax falls under the TMX Finance, LLC parent company. Therefore, both TitleBucks and EquityAuto Loan are the sister companies of TitleMax. TMX Finance, LLC is a business present in Alabama, Arizona, California, Florida, Georgia, Illinois, Mississippi, Missouri, Nevada, New Mexico, South Carolina, Tennessee, Texas, and Virginia. A customer can visit the nearest location of the company in the state of their residence.

TitleMax is one of the largest title loan lending businesses. The first store the company opened in 1998 in Georgia. The lender has expanded to 14 other states and has over 900 locations.

TitleMax offers financial services like car title loans, car title pawns, RV title loans, motorcycle title loans, and personal loans. There are also options for refinancing existing loans.

Pros and Cons


  • Customers can get cash in just one day after the approval.

  • The proof of insurance is not required.

  • The loans are available for customers with bad credit scores.

  • TitleMax offers refinancing for existing debts taken from other lending companies.


  • The company doesn't disclose the full information about its products and services. You can't learn much about their fees and loan rates.

  • As vehicle loans are secured, TitleMax can repossess your vehicle if you miss payments or can't pay back your title loan at all.

  • You will need to visit the nearest department of a company, and it will inspect your car for any issues.

Terms and conditions

You can borrow from TitleMax up to $10,000 depending on your state's laws. TitleMax, like many other lending companies, is not clear about its APRs. However, according to its customers, average APR you can get on your loan is about 300-400%. This makes TitleMax closer to payday loan lenders. The repayments term range from 30 days to 72 months.

Customers can borrow from TitleMax no matter what credit score they have. Be aware that the interest rate hugely depends on your score, and you might end up with a loan issuing 1,000% APR. You also need to review your contract for the fees thoroughly before you agree to the conditions.

  • TitleMax focuses on car title loans. The size of your loan will depend on the amount you need to purchase a car. You can take a car title loan in all 14 states where TitleMax is present. Refinancing is not available in Nevada.

  • Motorcycle title loans cover the cost of a motorcycle you want to purchase. If you meet all the eligibility requirements, you can cover up to a total amount of your motorcycle. These loans work in Alabama, Arizona, Delaware, Kansas, South Carolina, Tennessee, Texas, Utah, Mississippi, Missouri, New Mexico, Nevada, and Wisconsin. Alternatively, Georgia residents can take motorcycle title pawns.

  • Personal loans are unsecured. Personal installment loans are available in Arizona, Delaware, Idaho, Kansas, Mississippi, Missouri, Nevada, South Carolina, Tennessee, Texas, Utah, and Wisconsin.

Funding a loan

TitleMax states you can receive cash for your title loan in 30 minutes after the approval. You can get cash by applying online and providing your bank information. However, customers can search for the in-store locations by their ZIP code and visit the nearest location in their state.

TitleMax doesn't issue new loans in Illinois and or Virginia. Yet, the business still continues to service existing loans. Other states also have differing conditions in amounts, rates, and loan types TitleMax offers.

Title pawns are available in Georgia. In Nevada, title loans can only be used as a short-term solution. LOC borrowers are subject to a periodic review to maintain credit limit.



What is TitleMax?

TitleMax is a lending business. It offers car cash for title loans, car title pawns, RV title loans, motorcycle title loans, and personal loans for people in need of short-term financial solutions.

What company owns TitleMax?

TMX Finance business owns TitleMax, as well as TitleBucks, EquityAuto Loan, and InstaLoan companies. Those are all companies providing people with lending products.

Company documents

Privacy Policy
Terms of use
External Opt-Out Policy

TitleMax is one of the nation’s largest title lending companies. Every day, TitleMax helps thousands of people get the cash they need with a title loan, title pawn or now in select states, with a personal loan.

© TitleMax

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What to focus on before applying for a loan with TitleMax

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 TitleMax 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 TitleMax’s reviews by October 2022
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