TitleMax
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TitleMax

 4.7/5 (324 ratings)
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TitleMax

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.

Overall Satisfaction Rating

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Pros

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

Cons

  • 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.

Top TitleMax Reviews

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Rated with 5 stars
Verified

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...

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Rated with 5 stars
Verified

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...

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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 Universe Silver Deposit Accounts

TitleMax created the Universe Silver deposit account as an alternative way for customers to receive funds. This account gives you no-fee cash withdrawals at Visa Plus Alliance ATMs and access to your account through the TitleMax app. Other features of the TitleMax Universe Silver deposit account include:

  • Card gallery images to customize your card
  • Freeze card feature in case your card is lost or stolen
  • Pay your bills or shop online with your secure Visa debit card
  • No bank teller withdrawal fees

It’s important to note that you must meet the eligibility requirements to get access to these exclusive benefits. TitleMax only promises these benefits to account holders who receive at least one recurring deposit of more than $500 every 35 days.

For customers who receive at least one recurring deposit of $500 every 35 days, TitleMax has the Direct Deposit Plus account. Benefits include:

  • No monthly account fee and limited transaction fees
  • Optional overdraft protection with montly direct deposits of $500 or more
  • Low overdraft fees if account not cured in 24 hours, and only four overdraft fees a month

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

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How do I know I can trust these reviews about TitleMax?
How do I know I can trust these reviews about TitleMax?
  • 3,743,386 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.

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Page 1 Reviews 0 - 5
Rated with 5 stars
Verified Reviewer Verified Buyer
Original review: May 1, 2022

The TitleMax offices here have to have your proof of income. I lost my job a few months ago and I just started working again. I haven't gotten my first paycheck from my new job, so I don't have that proof of income yet. I was really scared and discouraged when I went to the first TitleMax office. The rep said, "No, ma'am. Don't fret. We have another office. It's right outside the city limits. They do not go by proof of income because that's only because we're inside the city limits." Once she told me that, it was like a weight was lifted off my chest. My rent was due before I get my first check, and I was really concerned about whether or not we were going to be able to cover rent this month. The rep sent us out to the other office that's just right outside the city limits, and they helped me a lot.

I try not to get my hopes up because I've been told no so many times lately. We're struggling and we wouldn't take the title loan out otherwise. When I went into the office, the reps were very friendly. I had to take my ID, and we had to bring the vehicle so they could get pictures of our vehicle and the title. They're holding my title. The lady that helped us was extremely informative and it went very smoothly compared to what I went in there expecting to experience. It was a breath of fresh air and I was very pleased. The process was almost an hour but the paperwork was very speedy. It took 20 minutes tops. Most of the time we were there, the lady was getting pictures. She had to get a lot of pictures of the vehicle. I would tell my friends to go to TitleMax and to go to the one we went to.

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    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: March 18, 2022

    I believed me having the title loan would have been better than Payday loans. I almost went to one. I said, "No, I can't do that this time. I'mma go with somebody who's gonna give me a monthly payment. Once a month.” And I could do that easily. Because my income is not the same as it had been. So I went to TitleMax, and I said, "Oh, there's TitleMax. I got my clear title. Yay." So, I went in and it was a very easy process.

    It was pleasant when the person interviewed me. He was cordial. He had told me before I came back the following day that the process would take an hour, so I thought, "Wow." But the process didn't take longer than 30 minutes. It was very simplified. TitleMax did what they were trained to do. So, he did everything he was supposed to. That was my first-time using title for receiving money. Very little documents were required. And my actual title was handed over there. I went the very low that I could go. The rep wanted to offer a little more than-- "Oh, let's take it down to the minimum, because I want to pay this off as soon as possible." And I said, "I may raise it as I can, but I don't want to go too high." But it was a good experience. And if I need them again, I'll go back.

    TitleMax response

    Thanks for the feedback, Murlene! We appreciate your business.

    2 people found this review helpful
    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: March 14, 2022

    The application process was fast, and it was not too complicated or frustrating. There were no questions, and the information they needed, I had there with me in my car. My debit card just expired and I thought I would have to get the card that they have, but since their card has certain rules, I was like, “My card, I didn’t bring it." I was needing the loan right there and then. I didn't have time to go and get my new debit card that had just gotten mailed in. I was like, “You know what? I had just went to go check my mail not long ago and I think I still have it in the car." I haven’t been needing my debit card like that, so I hadn’t even taken it out the envelope yet. I went to go check, found it and brought it in.

    On top of how fast the process went, the rep was very friendly, also the other lady that was in there. They were both trying to be very helpful, and they had a lot of hospitality compared to the other title loan place I went to before that time. The very nice TitleMax lady said she had to send in the information to another office, and while she was waiting for that response, she said, “There's coffee. There's some candies, some chips. Help yourself to some while you're waiting.” I hadn’t eaten in a couple of hours, and I was hungry. The other title loan place didn’t have that. It was nice of TitleMax. It makes you feel a bit better just in case you haven't eaten in a while and you can't even think right. TitleMax is very different with everything. I would definitely recommend them.

    TitleMax response

    Thank you, Melinda! We appreciate your business and are glad you had a pleasant experience.

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    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: March 3, 2022

    I went to LoanMax and CASHPOINT, and they were rude, snotty, and didn't want to answer any questions whereas TitleMax was so nice. Their reps were so amazing. I asked so many questions and I felt sorry for Al that first night. He stayed past 6:00 answering all my questions. I was extremely impressed with that. I had one question which neither one of them knew, and they were both on the phone before I could even try to reword it, trying to find the answer for me. The application itself only took five minutes but the picture-taking was what made it longer. They kept saying that there was too much of a glare but the rep was so patient and kind. She didn't get frustrated or show it at all if she did.

    The most that the other 2 companies would do was a $500 title loan and if I was gonna pay that much in interest, then I wanted something bigger than $500. TitleMax was able to get me what I needed and wanted. I wanted 2,500 and the initial offer was 1,700. She rejected that offer but came back with a 2,000 offer right away. It made it feel like I was working with an actual bank and lender versus just a piece of paper that needs to have a lien on it type situation. Their process was extremely easy and so pleasant that I would recommend them to anyone. TitleMax, hands down, would fit for anybody and relieves so much stress.

    TitleMax response

    Thanks, Janice! We appreciate your business and are glad you had a pleasant experience.

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    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: Nov. 3, 2021

    My experience with TitleMax was great. Brittany was the lady that did my account, and she was very awesome. The application wasn't that hard, and she was right there to help and if I had any kind of questions. I was there less than an hour, but she had gotten busy. Then she had trouble with the picture taking the VIN. When she would take the picture, lint was in the way. She took a whole duster out there and dusted it off. When she submitted the pictures, it kept bumping it back saying it wasn't a clear enough picture. Then she had to contact someone and get the override of it. Other than that, it wouldn’t have taken so long. She was trying to help another person, too. So, she was going back and forth because she was the only one in the office that day.

    Overall, she did very well. She didn't make me feel like I was doing something wasn't supposed to be doing. She was there to help and explain things. She made the process better. I was needing help, and she made it more pleasurable. She called to check on me and to see if everything was going good with the card and make sure I can get the money off of it. So, I was very pleased.

    TitleMax response

    Hi Cynthia! Thank you for sharing your recent experience. Please let us know if we can help in any way.

    3 people found this review helpful
    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: April 29, 2022

    The lending process was perfect. It took a while but it was okay. They helped me a lot. Working with TitleMax didn't do me bad. But I know I got to pay them back because I’ve been working very hard to get that money right.

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    Rated with 3 stars
    Verified Reviewer Verified Buyer
    Original review: April 28, 2022

    The computer was buffering when I was at TitleMax so the process took a lot longer that it would normally do but other than that, it was good. The rep was nice, very straightforward and considerate. She kept apologizing due to the machine being down and she offered me something to drink. She was trying to keep me patient. The rate and terms of the loan were a little too much than I can chew but that’s the way the cookie crumbles. I needed a loan because I was having money issues. The loan helped me achieve what I intended to achieve.

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    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: April 27, 2022

    The application process with TitleMax was simpler than a lot of other places. It wasn’t a three day wait and as soon as it was done, the money was on my card before I even left the place. It took an hour and a half. I worked with a man and a woman, and they were both very nice and sweet. We were joking around and had a good conversation. People should go for TitleMax.

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    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: April 26, 2022

    The people at TitleMax were delightful and had good customer service. They were very professional. Having the loan took care of things I needed taken care of.

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    Rated with 2 stars
    Verified Reviewer Verified Buyer
    Original review: April 25, 2022

    Everything went smooth and great until I went to put the tag on my car. TitleMax had already put a lien against my title and I couldn't get the tag put on my car. They are supposed to call me back to let me know that I could go and purchase a tag and put the tag on my car so I could drive it. But if I don't get the tag, I can’t drive the car. The rep was trying to tell me that I needed to take the matter with the DMV about my tags but the DMV told me I couldn't get the tags on my car because of something about the process of the title. So, I told her. I don’t know if I can purchase these tags and put them on the car if TitleMax got a lien against it and I don’t know what kind of lien they filed against it. They didn’t tell me anything.

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    TitleMax Company Information

    Social media:
    Company Name:
    TitleMax
    Year Founded:
    1998
    Website:
    www.titlemax.com

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