How to apply for a title loan with HyperLend
HyperLend is here to help consumers with all their lending needs. Our smart technology and friendly customer service agents can match customers with the right loan offer and help you get the money you need.
Complete The Application
Fill out the form to get the car title loan process started.
Submit Your Info
Hyperlend can approve you quickly for an online vehicle car title loan!
Get Your Money
You can have access to your cash in as little as 30 minutes!
Keep Driving Your Car
Your car's title is the collateral for your loan. Keep driving your vehicle.
Do you own your car outright with no liens and have a clean and clear pink slip? If so you should have no problem qualifying for a secured loan. Ultimately the amount you borrow with a car title loan will depend on how much equity you have in your vehicle. Most applicants will qualify with a newer car with low mileage. You may even be approved for a title pawn if you still owe money to the original lender. The amount you borrow will be lower, but it will typically be higher than what you would get with an unsecured personal loan.
Our Car Title Loan Features
It doesn’t take long to get approved for an auto title loan. Here’s are some features we provide.
Fast Approval For Car Title Loans
There's no need to wait days or even weeks for a traditional personal loan approval. With a title loan you can get cash for your car within 24 hours.
Fair Interest Rates
Interest rates and finance charges will be high with any type of online title loan. But not nearly as high as what you can expect with a payday loan or cash advance.
Keep Driving Your Vehicle
What good does it do to hand over your vehicle to the lender as security for the loan. These days, most car title loans will allow you to keep driving your car. The vehicle's pink slip will serve as collateral for the loan.
Once you submit your online application you will receive a call from the underwriting department. They may ask for additional paperwork but this process is rather quick.
Helpful Customer Service
Don't think you're on your own in filling out the application. Our friendly reps can walk you through the entire app and answer any title lending related questions you have.
Multiple Options To Get Your Cash
Once you're approved for a loan you can often get cash in hand within a few hours. There are different options available to pickup your cash. Your funds can be wired in to your account or picked up remotely that same day.
Is A Car Title Loan My Best Option?
Do you know if a car title loan is your best financial option? It may turn out that using your paid off car as collateral isn’t the best choice for your situation. Use our online lending comparison chart below to decide which type of loan is best suited for your needs.
|Cash Advance||Payday Loan||Installment Loan||Online Title Loan|
|By taking out a cash advance on a credit card you’re getting access to available credit from your creditor. This is a good option for someone with good to decent credit.||Most people who get a payday loan are borrowing a small amount of cash with the promise to pay back the full amount in a short period of time.||An installment loan or “personal loan” is great for someone who has decent credit and is looking for a larger sum of money. Unlike a car title loan, an installment loan is unsecured.||With online title loans from HyperLend, you’re using the equity in your vehicle to secure a loan. You can borrow a large amount and pay it back over months or years.|
|Borrow up to 50-60% of your available credit line||$255 Maximum Loan Amount in some states.||$1,500-$6,0000|
Maximum Loan Amount
(varies by state)
|Borrow Amounts of|
$500 – $50,000
(varies by state)
|30-99% APR||120% – 750% APR||37% – 249% APR|
(varies by state)
(Depends on requirements)
|1 Month Repayment Term||1-2 Month Repayment Term||12-30 Months|
|Up to 48 Months|
|Active Credit Card Required||Check Required||No Collateral Needed||Vehicle Pink Slip Required|
|Good Standing With Creditor Required||State ID and|
Checking Account Required
|Bank Account Required||License or ID|
and ITIN Required
Questions About Title Loans Online
Can I apply for a car title loan with Hyperlend if I have bad credit?
Yes. Having bad credit or no credit at all is only one of many factors a lender looks at when you apply for a title loan online. Bankruptcy and other forms of bad credit will not automatically disqualify you for a title loan, but the amount you can borrow may be limited. If a loan underwriter feels that you have sufficient income to make the monthly payments and pay off the loan in full, then there is a good chance you will be approved for a loan.
How fast can I qualify and get funded for an online title loan?
If you get pre-qualified online, you can typically expect a fast loan approval that will range from just a few minutes to a matter of hours from you first send in your paperwork. After receiving an approval notification you may still hear back from the underwriting department to confirm a few more details.
Once you fax or e-mail these items to us we will set up an appointment for you to meet with a loan processor to sign the loan documents and complete the vehicle inspection. Then, when a lender receives final approval confirmation, they can fund the loan instantly by electronically transferring the funds directly into your checking account. Ultimately the amount of time you’re looking at from when you first apply online to when you get cash depends on how fast you can get all the documents together and take care of the vehicle inspection. The biggest requirements to get fast cash is a paid off vehicle title and besides that you will only need to send in a few forms and verify some personal and financial information!
I have concerns about my personal information when I apply online. Is that info secured?
Yes, any financial services company will take your personally identifying details and information seriously and a loan processing team will follow industry accepted safeguards to protect your info. Online title loan companies understand that your financial and personal information is vitally important, and they take a number of precautions to protect access both online and in person.
How much money can I borrow with an online title loan?
The average title loan amount is based on the current resale value of the vehicle. Lenders also consider other factors and details when determining loan details, for instance the vehicle mileage, condition and model/make. If you would like to keep the car and drive it, you can ask an underwriter to also look at your current take home pay and employment situation as that can affect your chances when it comes to making monthly loan payments.
Can I qualify for an auto title loan if the car is not paid off?
For most title loan companies to make a title loan, the car must be paid off – or almost paid off. For example, if you owe less than 25% of the wholesale value of the vehicle, you may still qualify for a car title loan or pink slip loan from Hyperlend. In this case, the amount you borrow may be lower and it ultimately depends on the amount of equity available as well as other underwriting conditions.
What if I lost my vehicle title? Is it still possible to get cash with an online title loan?
That’s OK, you can still be approved for an online title loan even in a situation where you don’t have the vehicle. However, it must be paid off, and you must be the registered owner of the vehicle. It may be advantageous for you to apply with a title pawn provider if you can’t qualify for a title loan because you don’t have the title. In this scenario, you would actually hand over the vehicle to a title pawn company and they keep possession of the car until you pay off the loan in full.
I need a car title loan, but what if I’m not showing as the owner on the pink slip?
The majority of title loans are going to require the actual vehicle title for approval. But if you have the original signed title from the past owner than you may still be approved for an online title loan from Hyperlend.
Contact our customer service team anytime of the day. We will do our best to answer most lending questions.
Do you prefer chatting with someone at your own pace? Reach out to us through our online chat system!
Online Title Loan App
Do you want to apply for a title loan online? Take a few minutes to complete our quick application and apply today.
View Our Loan Terms
Find out if you have favorable loan terms. Compare your rates and payment to other loan options.