CAR TITLE LOANS

What to expect when applying with us

Hyperlend offers access to title loans in 14 states, and we can get you pre-approved in most remaining states if you have a paid off vehicle valued at $4,000 or more. When you apply with us, we'll underwrite your application to determine the best payment options, interest rates, and loan amounts for a title loan in your state. Our approval process is straightforward for anyone who needs a loan based on the vehicle's equity value, and we'll work to find you flexible loan terms that work for your budget.  Besides title loans on cars, we can also help those looking to cash out equity from a motorcycle, RV, or commercial truck. These loans function the same way as traditional car title loans, and you can generally borrow half of the vehicle's value.

Fast approval for a Hyperlend title loan with bad credit

Bad credit doesn't mean you can't get approved for a car title loan with Hyperlend. While getting a personal loan if you have bad credit is challenging, that's typically not an issue when you have collateral backing up your loan. Instead of focusing on your FICO score or recent payment history, what's more important is the equity from your car or truck, as that's the security backing your loan! Good credit is not required for a title loan, but there are a few scenarios where your credit history may be an issue. For instance, have you recently declared bankruptcy? Or do you have any existing loans that you've defaulted on? In these scenarios, you may be limited to a loan based on a small percentage of your vehicle's value, but approval is still possible. Call Hyperlend at 800-971-3022 to see how much money you can borrow with a bad credit title loan!

How long does it take to get approved for a car title loan with Hyperlend?

If you apply with Hyperlend, you can get an initial pre-approval and funding decision in less than an hour. Apply in person at any of our lending locations, and the entire process will be even quicker! After initial pre-approval, we'll begin underwriting your loan, and all we need is your vehicle's title, employment details, and insurance and registration info. You can go from submitting the initial application to having money sent to your bank account by direct deposit within one business day!

Loan amounts with a Hyperlend title loan

The value of your vehicle determines your loan amount, and most loans are based on 30% to 60% of the vehicle's equity value. As of 2025, the maximum loan amount with Hyperlend is $50,000 for high-value vehicles, and the minimum loan amount in most states is $1,000. In states such as California and New Mexico, the minimum loan amount is $2,500. Most customers will qualify for an online title loan that averages $3,000 on paid off cars. Average loan amounts for motorcycles are slightly lower at around $2,500.

Can I qualify for an auto equity loan if the car is not paid off

Your vehicle must be paid off or almost paid off to qualify for a car title loan. There has to be enough equity in your car or truck to use as collateral, and your lender will need to be added as a lienholder so they have complete control over the vehicle. If you owe less than 15% of the vehicle’s wholesale value, you may still qualify for a car title loan from Hyperlend. However, in this case, the loan amount may be lower depending on the equity available and other underwriting conditions.

What if I lost my vehicle title? Is it still possible to get a title loan?

You can still be approved for a title loan if you don't have the car's title on hand. The car must be paid off, and you must be the vehicle's registered owner. However, before you get your cash, you still need to show proof that the vehicle exists and add your lender as a lienholder to the car's title. If you can't qualify for a title loan because you don't have the title, applying with a title pawn provider may be best. In this scenario, you would hand over the vehicle to a title pawn company, and they keep the car until you pay off the loan in full.

Can I get a title loan if I have a cosigner or don't own the vehicle?

Most car title loans require full vehicle ownership, and you can't have any other lienholders listed on the pink slip. Because of that, it will be challenging to get approved if you can't show proof of vehicle ownership. But you may still qualify for an online title loan if you're the primary lienholder or have a cosigner willing to sign on to your loan. Speak with Hyperlend at 800-971-3022 to explain the exact situation with your car's title, and we'll work to get your application approved!