Our promise. We provide a buying advantage with verified reviews and unbiased editorial research.

Overall Rating4.7 out of 5
See all 3,384 reviews

About TitleMax

TitleMax is one of the largest title lending companies in the nation. TitleMax offers car and motorcycle title loans and pawns at competitive rates. It strives to provide a superior level of customer service as it helps thousands of people get the cash they need with a title loan. The company has thousands of convenient locations.

Pros & Cons


  • Receive up to $10,000
  • Get funds in as little as 30 minutes
  • No bank account required
  • No credit score requirements


  • Pawns only available in Georgia
  • Loans only available in 16 states

Bottom Line

TitleMax offers title and personal loans with easy applications. Customers receive funds quickly, and the company has loan specialists that help clients find out how much money they can borrow.

Featured Reviews

Wilmington, DE

When I reached out to TitleMax, they helped me that day. Their overall lending process was really smooth and fast. I even paid that debt back off. My lending officer ... was reall...

Read full review
Oro Valley, AZ

TitleMax's lending process was great and took about half an hour. Erica, the rep, helped me a lot and answered all my questions, which was why I’m happy with it. It was a great ex...

Read full review

TitleMax Title Loans

TitleMax car and motorcycle title loans are available in 16 states. Unlike many other loan options, you don’t need a good credit score or a bank account to qualify for a title loan. While the qualifications differ by state, the basic TitleMax title loan requirements include:

  • A paid-off car or motorcycle with the title in your name
  • Proof of income
  • A government-issued ID

All makes and models of cars are eligible as collateral, and you get to keep your car while you pay off the balance of your loan.

To get started with TitleMax, head to its website and fill out its quick loan application. To find out how much money you’re eligible for, you need to provide basic information about your vehicle, including the year, make and model.

TitleMax prides itself on getting you the cash you need as quickly as possible. You can get your title loan funds in as little as 30 minutes or within one business day. TitleMax bases your loan amount on the following factors:

  • State regulations
  • How much you need
  • The value of your vehicle

Depending on your state of residence, you could receive up to $10,000.

TitleMax Personal Loans

TitleMax offers personal loans up to $2,500. These loans are unsecured, so while they’re typically for small amounts, you can apply for them without collateral. To apply for a TitleMax personal loan, visit its website and fill out the personal loan application with the following information:

  • Name
  • Cell phone number
  • ZIP code
  • Email address

TitleMax FAQ

How long do you have to pay back a TitleMax loan?

TitleMax loan payment plans range from 30 days to several months, depending on your loan contract. TitleMax’s loan specialists work with you to create a payment plan that fits your needs.

How much can you borrow from TitleMax?

You could be eligible to borrow up to $10,000 from TitleMax, depending on your state of residence. Familiarize yourself with your state’s title loan regulations to find out how large of a loan you can receive.

What happens if you default on a TitleMax title loan?

Defaulting on a TitleMax loan could result in repossession of your vehicle.

Can I refinance my loan with TitleMax?

Yes, TitleMax offers loan refinancing services for title loans. It generally will refinance any loan that already has 20% of principal paid.

Does TitleMax check your credit?

Yes, TitleMax looks into your credit before offering you a title loan, but the company states on its website that customers with bad credit are still eligible to receive funds.

Is TitleMax legit?

TitleMax is one of the largest lending companies in the nation. It serves thousands of customers every day online and at its more than 1,000 locations. The company processes applications quickly and disburses funds within one business day, which is helpful for people who need money to handle an emergency expense. If you need cash and fit all of its criteria, check out TitleMax’s website to apply for a personal or title loan.

TitleMax Reviews

Top reviews
  • Top reviews
  • Recent
  • Oldest
  • Most helpful
  • Any

A link has directed you to this review. Its location on this page may change next time you visit.

3 featured reviews
How do I know I can trust these reviews about TitleMax?
  • 4,308,422 reviews on ConsumerAffairs are verified.
  • We require contact information to ensure our reviewers are real.
  • We use intelligent software that helps us maintain the integrity of reviews.
  • Our moderators read all reviews to verify quality and helpfulness.
Page 1 Reviews 0 - 5
Verified purchase

Reviewed Aug. 26, 2023

I did the application online before I got to TitleMax so all the work was done. I probably was in and out within 30 minutes. I sent a lot of pictures online the day before I got there and the rep went outside and confirmed that everything was what it was. It didn't take long. It was the front, rear, side, both sides, driver, passenger side and interior pictures and the rep took the pictures of the steering wheel and dashboard. I got a habit of paying cash for my cars. So any time I get into a tight spot and I need something on an emergency status, TitleMax is my go-to.

It's the second time I’ve used TitleMax but the other time was almost 5 years ago. And the same gentleman at that location is the same guy who I used the first time. He's very respectful and you can tell he listens. So the level of comfort was there. It was the first thing that popped into my mind when I had an AC unit go out. The rep went a little over and beyond as far as information was concerned. We thought we could get a better quote and he reached back out to his supervisor and was able to get a little bit more. He didn't necessarily have to do that. So that was a good incentive for the most part. He was professional and informative. He knew a lot of things he was talking about and made me understand it a lot better.

Thanks for your vote! Report

Not sure how to choose?

Get buying tips about Payday and Title Loans delivered to your inbox.

    By entering your email, you agree to sign up for consumer news, tips and giveaways from ConsumerAffairs. Unsubscribe at any time.

    Thanks for subscribing.

    You have successfully subscribed to our newsletter! Enjoy reading our tips and recommendations.

    Verified purchase
    Customer ServicePunctuality & SpeedOnline & AppStaffProcess

    Reviewed June 26, 2023

    Everything was great. I called up Jennifer at the Conroe location, went in, and brought everything she asked me to. She explained everything inside and out, and it was super. She told me how to do everything, when to do it, and what I could expect. She said, "If you have any questions, call me." She was great. She knew I didn't wanna do the loan. However, she said, "Think about it. If you wanna do it, let's do it. If not, let's keep us on the list." She was certainly helpful, but it turned out I had to do it and I had no other way out. Come to find out I paid off nine bills with this one loan. I have a bigger loan, but I paid off all my credit cards. I was happy.

    The rate and terms suck every time it's a loan, but TitleMax is different and I haven't had any problems with them yet. I had taken one prior title loan years ago, and how this is different from that is the app works great. It tells me how much I have and how much I need. If I need to borrow more money, it's there, how to get it, and what my rate is to refinance. It keeps my payout at what they told me my payout would be. Most people don't have time to come in, and the app is a huge game changer in the loan division.

    Thanks for your vote! Report
    Verified purchase
    Customer ServicePunctuality & SpeedOnline & AppStaffProcess

    Reviewed May 11, 2023

    One of my friends at work ran into some stress and he went TitleMax and they helped him. Everything worked out. I could use a couple of extra dollars on some things around my house so I did TitleMax too. The application process was cool. It wasn't long and tedious. The only thing was they were short-handed at the time I did the loan and it was very crowded. If you're walking in, there are only two chicks in there. The two ladies there got into work getting us out of there. I was there for about two hours. I understood and saw what was going on. Those ladies were really humping to get everybody straight, but it was just a lot of people, and it was only two people there. I went and got myself a hamburger. I was already in the process but the ladies were processing so much. I came back and 15 mins later, I was out of there.

    They took pictures of my car and wrote down information as well as the miles. I showed my Social Security card and my bank card. Everything I asked customer service was answered. She also showed me how to get on my app because I'm not really technically inclined. With regard to the app, I needed to know to keep being reminded when I have to bring that money in. I didn't have any no paperwork as everything was on the app. That was cool and it was perfect for me. It was simple and it was all about the business. It was a done deal. They put the money in my bank account. That was around 10 minutes. TitleMax came through when I needed them. It was a winner for me. Go check them out.

    Thanks for your vote! Report
    Response from TitleMax

    Thanks for leaving a review, Charles! Let us know if we can help with anything.

    Verified purchase

    Reviewed Feb. 27, 2023

    I had a name change in between the process of me purchasing my vehicle and the time that I put in the loan. I needed ID, the bank account that the money was gonna be sent into, and the title of the car. But on top of that, I also had to bring my divorce decree to show that my name was changed. Both of the reps that I dealt with were great. The first one started the process but unfortunately, it was time for her to clock out. But I understand because I’m a parent too, and she had to get her kid from after care and it was starting to run late. Because of the divorce decree and the name change, the process took a little bit longer than it normally does. So I was absolutely fine with her passing me over to the second young lady that helped me. But they were both very nice, respectful, and knowledgeable. They did what they needed to do to help me secure the loan.

    When I was sitting down, they were telling me all the options that I had and how much I was able to get. They gave me tips to be able to use this loan to better my credit. At first, I was just gonna take a very minimum $700 out but ended up doing the full amount because as long as I make that monthly payment to renew the loan, it was gonna build my credit, based on what they said. So it went from being a very short term to I’m gonna use it as a little bit of a longer term. In the long run, it’s gonna improve my quality of life because of the fact that I’ll have a better credit score. So the loan is gonna help me a lot.

    Thanks for your vote! Report
    Verified purchase
    Customer ServicePricePunctuality & SpeedOnline & AppStaffProcess

    Reviewed Oct. 12, 2022

    When I first walked in, it was nothing but friendly. The representative at TitleMax, Toni, did a very good job of establishing rapport with me. We talked a little bit and she went over what it was. She was very informative. She told me she was new, so she was gonna go a little slow, which was fine with me. They had told me at the beginning that I might have to download an app to make payments. It got to the end of it and she said, "Let's go ahead and download that app." I told her, "I don't want to do that." The manager came over and said, "No, you have to. You can't walk out of here without downloading the app." It rubbed me the wrong way because I know for a fact that it's not in the contract that I have to. He was flamboyant and liked to say, "My dear, my dear."

    He walked off and sat at his desk while Toni was finishing up with me. He told her, "That's fine. If she doesn't want to, then we just can't take her payments over the phone. She's going to have to come in in person." It was retaliatory. I understand the function of that account. It's for me to be able to view my account, make my payments, etc. But all I was going to do was go home and do it because I wanted to read it. I didn't want to do it right there.

    While I was going through the paperwork, Toni said, "Don't worry about it. I'm going to print it out at the end." That was fine because I knew what I was agreeing with. She explained it to me very well. I wasn't too worried about the actual fine print because it's all legalities. But in the end, all I got was the finance sheet - the one that says what the loan is, how much the interest is, what the payments are, etc. I didn't get the contract.

    When I talked to the district manager, they called me back right away. She was very friendly. She said she understood. She said that the "my dear" part was just his personality and that he's a very good manager. I believed her because he seemed very dedicated but I told her that it was inappropriate because he doesn't know me and there should be a certain level of professionalism.

    Thanks for your vote! Report
    Response from TitleMax

    Thank you for your feedback, Cynthia. We would like to learn more about your recent visit. Please feel free to reach out to us at 1 (800) 804-5368 so that we can get more details about your situation. From there we can contact the appropriate parties and work through any issues.

    Verified purchase
    Punctuality & SpeedStaff

    Reviewed Sept. 16, 2023

    I was well satisfied with TitleMax. I had an awesome experience. They were perfect and on time. They went over the whole truck and took pictures of it. They were thorough with it. The rep explained everything pretty well to me. She read over everything on the computer to me and she went over all the forms with me.

    Thanks for your vote! Report
    Verified purchase

    Reviewed Sept. 16, 2023

    The TitleMax rep I worked with was good. She was friendly. I liked her attitude. However, I feel like they could have done a lot more. I was trying to get 4,000 and they gave me $1,000.

    Thanks for your vote! Report
    Verified purchase

    Reviewed Sept. 15, 2023

    I did the title loan and the process was nice and easy. The rep was very, very nice. She addressed all of my questions. The loan got me above water.

    Thanks for your vote! Report
    Verified purchase
    Customer ServiceStaff

    Reviewed Sept. 15, 2023

    The rep was understanding and the communication was proper back and forth. The process for the title loan took about 30 minutes and after it was completed, the funding was deposited to my card in about 10 minutes. TitleMax is a good resource to have. This will pay your bills too so it's okay. It's a good way to manage some of the emergencies that you have. I was able to get financially what I needed from them and it was a good experience.

    Thanks for your vote! Report
    Verified purchase

    Reviewed Sept. 15, 2023

    My cell service wouldn't work in the building and the rep’s internet service was so slow. I had to resubmit twice all my documents. But the rep was very kind, gracious, helpful and friendly. She was professional and a nice person.

    Thanks for your vote! Report
    Loading more reviews...

    TitleMax Company Information

    Social media:
    Company Name:
    Year Founded: