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TitleMax Reviews

4.7
6,148 reviewsRating Calculation
A company’s ratings are a time-based and verification-based weighted average numerical calculation of the ratings submitted by consumers in the most recent 24-month period.

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About TitleMax

TitleMax is one of the largest title lending companies in the nation, offering car and motorcycle title loans 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.

Visit www.titlemax.com
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 14 states

Helpful Reviews

Wilmington, DE
Verified purchase

Another company I called wanted me to have a cosigner because they weren't trying to accept the pay stubs that I provided them. And then the lady waited two weeks later to cont...

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Oro Valley, AZ
Verified purchase

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...

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TitleMax title loans

TitleMax car and motorcycle title loans are available in 14 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 loan 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 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.

» MORE: Best personal loan companies

TitleMax personal loans

TitleMax offers personal loans up to $2,500. These are unsecured loans, 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 interest rates

TitleMax charges varying interest rates depending on your state of residence and the value of your collateral. Interest rates for title loans are typically higher compared to traditional loans because of the quick approval process and lower qualification requirements. It's important to review all associated costs before taking out a loan.

TitleMax FAQ

Where is TitleMax available?

TitleMax is available in the following 14 states:

  • Alabama
  • Arizona
  • Delaware
  • Georgia
  • Idaho
  • Kansas
  • Mississippi
  • Missouri
  • Nevada
  • South Carolina
  • Tennessee
  • Texas
  • Utah
  • Wisconsin

TitleMax also has over 900 physical locations in 14 different states. TitleMax no longer originates new loans in California, Illinois, New Mexico or Virginia, but continues to service existing loans.

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.

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 financial needs.

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.

What happens if you default on a TitleMax title loan?

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

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.

Still have questions?

Is TitleMax legit?

Yes, TitleMax is one of the largest lending companies in the nation. The loan company processes applications quickly and disburses funds within one business day, which is helpful for people who need money to handle an emergency expense. It serves thousands of customers every day. 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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    Page 1 Reviews 0 - 35
    Customer ServicePunctuality & SpeedStaffBilling

    Reviewed Oct. 14, 2026

    This is for the Oneonta store, There's a woman named Michelle that works there and she is the meaning of a great costumer representative. I've never been so respected and treated with so much care. For the last 4 month I haven't been able to pay on my truck title bc I've been in and out of the hosp.all my fingers and thumb on left hand was amputated, so I got behind. For 3 months I would have to call Title Max and there she would answer, God sent Michelle, I'd tell her what was happening and she would make me feel so calm and relaxed even though when I'd call I hated to tell her once more I couldn't pay again. Really worried about losing the only vehicle my daughter and I have, but no Michelle again going out of her way to see what they could do and I don't have a lot of people I speak to so I always talk her head off and she just lets me.

    I have never left a review before but this lady, it was a must. The world we live in today is not what I grow up in. A bunch of disrespectful people doing as less work as possible so that why I had to blow Michelle up. She can't be beat. Her customers have already pawned their way if going then payment late, it's a horrible feeling. Michelle takes all that away and that's a big deal to me.

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      Verified purchase
      Customer ServicePricePunctuality & SpeedRefunds & PayoutsStaffBillingLoan ProcessRatesTimeliness

      Reviewed Sept. 26, 2026

      I heard about Titlemax through a friend. They reached out to me a long time ago about an inquiry I made, and at the time, one of my acquaintances just went and did Titlemax. When I applied for a loan, the process was quick and the reps did their job. They were prompt and on it. As soon as I walked in, they addressed me and let me know that they were gonna be right with me. For the most part, they worked quickly. The time-consuming part was waiting for a desk to become free and filling in my personal information. We had a bit of issue at first, but the rep filled in the information on the chart. My computer wasn't responding, so she let me use her computer to finish it. I had to go through the whole checklist, then they made a quick phone call. They said, "This is what you're approved of." so, there is nothing hard about it, except if the computer doesn't work properly.

      There were other people in front of me, so the process took about an hour. Still, I appreciated the quickness that it took and I walked out with the money within the same day. So, I was able to pay my bills right away. I wish I would have known more though. I could have requested more money. If I would have had $3,300, I would be in the free and clear and I would have my lease. Instead, I put down 2,400 to try to get it out. I was gonna put down 2,500, but then I realized the interest on the loan. The loan was only 2,500 and I wasn't aware of the interest rates, so now I have do it on my own.

      I also wish that Titlemax would have explained the interest rates. I was thinking that what people get is what they pay back off, but apparently, they charge interest for it. I thought that if I paid the loan within a certain time span before my first monthly payment, that I would be in the free and clear of interest. I thought the grace period meant that there was no interest on it as long as I came with the money. They charged 500 more than what I expected, but hopefully, I can get that knocked off soon. That was the only thing that I had a problem with. I'd advise people to make sure they know the final estimate before they pick a number and not to worry about the monthly payment. They need to find out how much it is to clear the loan.

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      Verified purchase
      Customer ServiceCoveragePunctuality & SpeedRefunds & PayoutsStaffBillingLoan Process

      Reviewed Sept. 22, 2026

      I drive a big Toyota Tundra and I'm tired of paying all that gas money. And because it's a truck, I pay high insurance on it too. So, I was curious about my options. I was thinking about selling my car and when I talked to a dealership, they wanted to give me 17,000 for the vehicle. Then I talked to another dealership and they wanted to give me 13,000 for it. I got tired of playing that game, but I wanted to know what the value of my car was. Other people weren't telling me what they were willing to pay for it and they made me offers, but nobody gave me an actual value.

      So, I went to TitleMax and they told me what I needed to know, which was more than fine with me. I got a loan of 1,500 from them and little did I know I was going to be broke, and I actually needed the money. It was very simple to do business with them. When I tried to get there to make my first payment, I was busy and I got there late that night. They said they were still there, but when I pulled up to the store it looked closed. So, I went back the next morning. They were very nice and understanding.

      Everything's been lovely with TitleMax and I don't have any problem. The people were somewhat friendly. I know it's a business and they have to do that. But they gave basic respect to anybody and that made me happy. I didn't have to feel less than anything and they weren't trying to beat me up because I had to borrow some money. They were being as professional as they could and I was comfortable with talking to them. They did what they were supposed to do and it wasn't bad to me. I was really pleased with the customer service.

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      Verified purchase
      Customer ServicePunctuality & SpeedRefunds & PayoutsStaffLoan Process

      Reviewed Aug. 18, 2026

      I've dealt with other title loan companies, and I didn't have a good experience with them. When I called TitleMax, I asked some key questions about how the process went and what was what, and they pretty much answered the questions that led to my decision to do business with them. The loan process was simple. I was impressed with the person that helped me out. She was very knowledgeable. She was very upfront and told me ways of being able to maximize it and being able to make it work for me. After they evaluated my vehicle, the process was very simple and quick. At the time, I needed the money that I needed to do some things that I was doing, and it came in handy right at the time that I needed it. It wasn't a lot of hassle. The process was very, very painless versus other places that I've used.

      When you go in to TitleMax, the agent doesn't have to go into your personal business of saying exactly what they need it for, but let them know pretty much what you need, how much you need, and what are you trying to do, what you're trying to accomplish, and listen, and follow the instructions on your way of paying it back, and being able to maximize the loan to where you need to do what you need to do, and not putting yourself in too much of a strain where you can you can pay for it.

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      Verified purchase
      Customer ServicePricePunctuality & SpeedStaffBillingLoan Process

      Reviewed Aug. 14, 2026

      I live from Edinburgh, and TitleMax is in the middle of the town. I pass them all the time. They gave me a loan in exchange for my title. When I first walked in the door, I was greeted, and the place was clean, and there were not that many people but one of them told me right away that he would be with me and I didn't wait long. He did everything really quickly, and he was very courteous. They helped me out. We did some stuff through my phone since it was easy.

      As far as the process, you leave your title with them, and then they tell you from here to here how much you can get and how much do you want, and then they’ll say, "It's either you pay this a month, or you can pay the entire payment by the end of the month, and we just charge you this finance charge." The only thing was, at first, they had given me a really high payment, and I told them, “That's kind of high. You're not gonna give me a chance to pay off y'all. I'm never gonna end up paying you guys if you guys need this payment." So, they kind of lowered it a little on their own.

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      Staff

      Reviewed Oct. 29, 2026

      Thank you so much to Tinia **. She was very nice, professional and helpful. A very good representative of the company! Thanks again 😁

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      Customer ServicePriceTimeliness

      Reviewed Oct. 29, 2026

      They talk mean to you on the phone and in person. The manager came to the door, saw it was me and rolled her eye and went to her desk and was cold to me the whole time. She said she was noting my account and in the middle of the night the tow truck took my car out my yard. You have 10 day after they will make a key charge you, the next day move your call and charge you hundreds of dollars. Even after I asked to give to the first that was in a few day. Mind you it been today's and a manager was to call me. I have not got the call yet. Never again will I use this company....

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      Staff

      Reviewed Oct. 28, 2026

      My husband and I was greeted with a nice young lady. She was very professional and she answered all our questions.

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      Punctuality & SpeedRefunds & PayoutsBillingRates

      Reviewed Oct. 26, 2026

      I made a 1 time payment for my brother using my debit card. Titlemax asked if I wanted to keep my card on file. I told then absolutely not, do not keep my card on file. 5 payments later, and yes, I should have noticed earlier, they will not refund me the unauthorized payments. My brother borrowed $2785 and will end up paying $18020 back to titlemax. A $501 payment, only $35.38 is principle, the rest, $ 465.62 is interest. Titlemax is a total ripoff!!

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      Verified purchase
      Punctuality & SpeedStaff

      Reviewed Oct. 26, 2026

      Juan ** from West Valley locations made it an enjoyable experience. He stayed late to help me. He was professional yet down to earth. We ended up talking about kids, parents, the future of humanity, community, respect, shopping, even fluffy floating chairs. I ended up with the money i wanted and had a really good time getting it. Thank you Juan ** from Title Max.

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      Punctuality & SpeedTimeliness

      Reviewed Oct. 25, 2026

      That's a good app. I think people should try it; they get you the money the same day, or no later than 24 hours. Thank you.

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      Verified purchase
      Staff

      Reviewed Oct. 24, 2026

      The ladies that work there are amazing. They worked through the technical difficulties with grace when I was in the office with them. I greatly appreciate them for being kind and polite with me while having internet problems.

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      Customer ServiceStaffLoan Process

      Reviewed Oct. 24, 2026

      The loan experience I had at the Jordan Lane location in Huntsville, was very informative, as my wife and myself received excellent customer service and customer support, as we were able to walk away with a clear understanding of the entire loan process from Rashad.

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      Profile pic of the author.
      StaffLoan Process

      Reviewed Oct. 23, 2026

      Nallely was very helpful and informative throughout the loan process. Her GM was also very helpful and informative throughout this loan process.

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      Staff

      Reviewed Oct. 23, 2026

      I really recommend Jessica. She is patient and really makes sure you get the experience you want to achieve. 1000/10!!💖

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      Customer ServiceStaff

      Reviewed Oct. 23, 2026

      Ms. ** at TitleMax did an amazing job helping us with everything! She took the time to explain the whole process and made sure we understood each step. She was patient, helpful, and made the experience so much easier. We truly appreciate her excellent customer service and highly recommend asking for Ms. **! ⭐️⭐️⭐️⭐️⭐️

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      Verified purchase
      Customer ServicePunctuality & SpeedStaff

      Reviewed Oct. 23, 2026

      Kia was great from the time we talked to her on the phone, showing up and her greeting us at the door, opening it for us. The process was easy and fast. Kia made my visit very pleasant. I can’t wait until I visit again. If you want a great experience and positive vibes go see Kia and use the code **. I promise you she will help and get you together.

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      Verified purchase
      Staff

      Reviewed Oct. 23, 2026

      Well when I walked in I didn't have to stay in there too long and they greeted me at the as I walked in and they were very friendly.

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      Verified purchase
      Customer ServicePriceLoan Process

      Reviewed Oct. 23, 2026

      Worst experience ever at the store 4894 Summer Ave. Memphis, TN 38122. I asked the lady to explain my paperwork to me for an online loan I was applying for. I handed her my phone to look over the paperwork & she took it upon herself to accept the loan for the full amount without my permission. I'm still trying to decide if I need to file charges with the police department.

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      Punctuality & SpeedStaffLoan Process

      Reviewed Oct. 23, 2026

      Lydia was kind, helpful, and patient while assisting me with a personal loan application. She had to resubmit a document that I provided to her that was blurry. She patiently waited while I located a clearer image. I’ve visited this location multiple times and I always receive 5 star service. Funds were deposited before I left!

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      Verified purchase
      Staff

      Reviewed Oct. 22, 2026

      William at TitleMax was wonderful to work with. Not only was he efficient, but he was very responsive and kind. Go see him in Greenville SC on Pleasantburg Drive!

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      Staff

      Reviewed Oct. 21, 2026

      The ladies was so friendly..made my stressful situation much better.

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      Staff

      Reviewed Oct. 19, 2026

      Vesi was really nice, helpful and got what I needed! Completely satisfied!

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      Contract & TermsPunctuality & SpeedBillingLoan Process

      Reviewed Oct. 18, 2026

      This should be your last resort. You'll never finish paying this off and every single payment you make is basically going into the trash and you're not making a dent on the principal payment. Don't do business with them unless you are absolutely desperate which is the people they take advantage of. I had to borrow money from my father to pay off this title loan. My car was repoed for 36 days late. I tried to make a payment arrangement and that was not considered

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      TitleMax
      Response from TitleMax

      Hi, Griselda. Your feedback is a crucial part of improving the TitleMax customer experience. Please call us at 1-888-869-4522 to discuss further.

      Staff

      Reviewed Oct. 17, 2026

      TitleMax, came into my life at a critical time. When I really need help and I could not find nobody else to help me. No family. No friends. But coming to TitleMax they was an answer to my prayer. And I think this company with my whole heart and soul. They are the best and I recommend them to anyone that truly needs help and down on their luck. TitleMax is the place to be. ❤️

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      Customer ServicePunctuality & SpeedStaff

      Reviewed Oct. 17, 2026

      Great customer service and it was a quick and efficient way for me to receive funds to help me with my everyday task in life. Ms. ** was the person who helped me through my process and I’m so grateful for her services.

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      Staff

      Reviewed Oct. 17, 2026

      Fran was absolutely amazing at the Mercer location. She was extremely welcoming and friendly. She made us feel valued. We truly appreciate her service!

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      Customer ServiceStaffLoan Process

      Reviewed Oct. 16, 2026

      Thank you Josh! For always treating me with kindness and respect. I wish all people were as nice and courteous as you are at their job. You make it easy for me to hand over my title.. For a loan. And the awesome customer service is a Big Bonus, with a cherry 🍒 on top. Lol! THANKS TITLEMAX. 💯

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      Punctuality & SpeedStaff

      Reviewed Oct. 16, 2026

      Went there today, shout out to Michelle who took care of me, down to earth person, definitely would recommend her. Go see her if you're in a bind, made the process easy and quick and explained everything I needed to know, thanks Michelle 😊 Nice lady, went over details what to expect,

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      Verified purchase
      Punctuality & SpeedStaffLoan Process

      Reviewed Oct. 16, 2026

      The Lady Representative that help me and waited on me were the best and so helpful and professional in expediting me through the process of obtaining a loan. This was a pleasant experience, and rewarding, thank you young lady and thanks for the loan TitleMax. Kelvin

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      Staff

      Reviewed Oct. 16, 2026

      I was at the TitleMax office in Deer Park Tx this afternoon. My representative, Andrea, went above and beyond to help me with my financial situation. I left their office completely satisfied with the attention I was given to my unfortunate situation. I highly recommend those that are in a difficult time with finances to go see Andrea.

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      Loan Process

      Reviewed Oct. 14, 2026

      Thanks ** @ FM78 San Antonio Texas TitleMax, making title loans easy for us seniors!

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      Customer ServiceStaff

      Reviewed Oct. 14, 2026

      Great customer service!! If I need to get help again I will return!!

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      Customer ServiceContract & TermsCoveragePriceRefunds & PayoutsBillingLoan ProcessTransparency

      Reviewed Oct. 13, 2026

      Don’t do it. I went with a friend to the TitleMax office, and based on what I witnessed, you may have better luck paying off a mob loan shark than paying off a TitleMax loan. At least with a loan shark, you can eventually hobble away. At TitleMax, my friend received rushed explanations, changing dollar amounts, and no clear breakdown of what was owed. It’s a trap to keep you paying for as long as possible.

      After my friends missed payment, their vehicle was repossessed. They were then told they had to reapply under the “terms” of another loan. When my friend asked for an exact payoff amount and an itemized list of charges, Tom, the manager at the Westlakes Loop 410 office, said the information was in the portal—but my friend couldn’t access it until making a substantial payment. Once the payment was made, the portal showed only a balance, with no breakdown. Tom promised my friends a low monthly payment, but what he didn’t say is that the low monthly payment ONLY covers their fees. Nothing will go towards the amount you owe unless you add to that payment creating a cycle of exorbitant fees.

      Tom positively described a “principal reduction” my friend would receive after making the payment. However, when attempting to add the balance, we found that the 25% reduction is a 25% principal penalty added to the amount owed. When my friend questioned the fees, they were told it was the repo lot’s fault as they charged $540 for a tow and four days of storage. Calls for an explanation led to transfers between people who couldn’t provide a consistent answer. The amount seemed to change every time someone said it aloud. Before signing anything with TitleMax, get the full repayment terms, every fee, and an itemized payoff figure in writing. They count on their customers being desperate, hasty, and afraid to ask questions. Shame on you, TitleMax.

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      TitleMax
      Response from TitleMax

      Hi, Brenda. Please call us at 1-888-869-4522 to discuss further.

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      Staff

      Reviewed Oct. 12, 2026

      Claina was very helpful and knowledgeable.. Establishment was very clean and organized...

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      Customer ServicePriceOnline & AppStaffBillingLoan Process

      Reviewed Oct. 12, 2026

      I've had issue after issue with Titlemax and their payment systems. They have double charged me in the past for payment and ninety percent of the persons I've dealt with have been condescending and not helpful. Their website and stores are so disconnected that their support line is unhelpful and always tell you to go to the store and vice versa. Their internal politics are terrible and have shown their face to the public which makes their attitudes very bitter towards customers. If you want a loan, don't find it here.

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      TitleMax
      Response from TitleMax

      Hi, Alexander. Your feedback is a crucial part of improving the TitleMax customer experience and we are glad you took the time to share your story with us. Please call us at 1-888-869-4522 to discuss further.

      Punctuality & SpeedStaffLoan Process

      Reviewed Oct. 12, 2026

      The associate was very patient and got everything done and showed professional courtesy and even stayed late to get our loans done, but we got referral bonuses that we haven't been able to redeem because the system has been down for over a week which makes it inconvenient and makes you not want to refer anyone else. We have made numerous complaints and still have not been compensated for our referrals. 😡

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      TitleMax
      Response from TitleMax

      Hi, Joann. We apologize for the difficulties in accessing your referral rewards. Our system has been updated, and this has been resolved. If you are still unable to access your rewards, please reach out to us at 1-888-869-4522.

      Verified purchase
      Punctuality & SpeedStaffLoan Process

      Reviewed Oct. 11, 2026

      Well as bad as I hate to say it but I'm not good with remembering too much anything anymore, especially names and I wish I remember the young lady who helped me with my loan at Titlemax Friday, but she was very sweet, polite and courteous, and helpful to the max, even when you walk in and think, "Man I'm not getting a loan," just look for the very pretty young lady to your left when you walk in the door and tell, "Hey Cheryl ** said you would help me" because that's exactly what she did. And did it professionally and quick. Thank you very much. I appreciate you.

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      Verified purchase
      Customer ServicePunctuality & SpeedBilling

      Reviewed Oct. 10, 2026

      Your online portal is horrible! It takes forever for it to realize that you have clicked something, now it won’t accept my password or let me reset it, so I am having to jump through hoops just to make my payment., It’s so frustrating. I can’t get ahold of ANYONE in your customer service department.

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      TitleMax
      Response from TitleMax

      We understand you’re frustrated, Sonya. Please reach out to us at 1-888-869-4522 so we can work together to resolve any issues.

      Verified purchase
      Staff

      Reviewed Oct. 9, 2026

      I went into the TitleMax here in Las Vegas on Charleston and had the pleasure of taking care of my business with Martin. He was a pleasure to do business with until the end. I was referred to him by my husband, so that meant we were entitled to the refer a friend bonus of $50. We downloaded it but we are unable to redeem it. The website shows you the $50 but it won't let us transfer it to our accounts. It's freezing after you hit redeem. How can we get our bonus?

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      TitleMax
      Response from TitleMax

      Hi, Angela. We apologize for the difficulties in accessing your referral rewards. Our system has been updated, and this has been resolved. If you are still unable to access your rewards, please reach out to us at 1-888-869-4522.

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      TitleMax Company Information

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

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