Iowa Title Loans
Made Simple.

Home » Iowa

Get Started

when I'm approved
Enter a valid e-mail

No credit checks required

Get cash by today if you apply within

No Credit Checks Learn More
Instant Approval Learn More
Keep Your Vehicle Learn More

Apply for a car title loan in Iowa

If you're in Iowa and facing a financial crunch, a car title loan might just be the lifeline you need. Applying for Iowa title loans is surprisingly straightforward. These loans use the value of your vehicle as collateral, so you don't need a strong credit history or steady income to qualify.

The application process can be done entirely online, without leaving your home, and the funds can be made available to you the same day, which makes it ideal for those facing immediate financial emergencies.

apply now

We make applying for Iowa title loans easy.


Applying for car title loans online shouldn't be difficult. Complete our simple online application and enter basic information about yourself and your vehicle. Once you're pre-approved, one of our friendly experts will contact you.


Titlelo will assess your needs and match you with the best lender in your area. Once you've accepted the terms and conditions of your lender, we'll help you gather everything you need to make the process simple and swift.


Visit your local title lender and bring your title, ID, and any other required documents. Review and sign your loan documents and get the cash you need instantly. Drive away with your car and get back to what matters in your life.

Take control of your finances with one click.

Rent / Mortgage

Utility Expenses

Food & Groceries

Tax Bills

Car Repair

Medical Bills

Special Gifts

Other Expenses

How title loans benefit Iowans

Title loans are short-term, high-interest loans that allow borrowers to access quick cash by using their vehicle as collateral. This form of loan is particularly beneficial to Iowans who may have poor credit scores and struggle to secure traditional loans. 

The application process is quick and convenient, and you can get your money as soon as the same day. Furthermore, title loans can help you handle unexpected expenses, like medical bills or home repairs, providing financial relief when you need it most

apply now

How Do Online Title Loans In Iowa Work?

Online title loans are an ideal solution for those who need cash quickly without the lengthy process involved in traditional lending.
After submitting an application online, our team evaluates the current market value of your vehicle to determine the loan amount you are eligible for in Iowa. Once the loan is approved, the lender will hold onto your car title as collateral until the loan is repaid in full.

Qualification Requirements For Auto Title Loans In Iowa


For Iowa title loans, it's necessary to meet certain requirements laid out by your local lender. These usually include the following:

  • Age Requirement: Essentially, all lending institutions mandate that you are at least 18 years of age to be eligible for a title loan.

  • Ownership of a Lien-Free Vehicle: The car you plan to use as collateral should be unequivocally in your possession. It's crucial to submit the car's title, which the lender will retain until the loan is fully repaid. Additionally, remember that your vehicle needs to meet the minimum market value conditions set by the lender.

  • Proof of Income: Lenders need assurance that you possess the financial means to repay the loan relatively soon. As a result, they require proof of income, which could be from your employment wages or other income sources.

Documents Needed To Apply For A Title Loan In Iowa

When applying for an Iowa car title loan, it is important to gather the necessary documents. Typically, you will need:

  • Valid government-issued ID to establish your identity

  • Proof of income to ensure your ability to repay the loan.

  • Clean car title in your name, as it serves as collateral for the loan

  • Personal references who can vouch for your character and reliability

  • Proof of residence to confirm you actually live in Iowa

By having these documents prepared, you can facilitate the application process and increase your chances of getting approved for a car title loan in Iowa. Please note, though, that the list of required documents can vary depending on the lender, so make sure you have all the documents required by the provider you’ve chosen.

What If the Vehicle's Title Isn't in Your Name?

If the vehicle's title isn't in your name, it poses a challenge when applying for a car title loan in Iowa. Generally, lenders require the title to be in the borrower's name to establish legal ownership and ensure that the vehicle can be used as collateral. Keep in mind that you may need to transfer your Iowa car title into your name before proceeding with the loan application. This can involve going through the necessary legal procedures and paperwork to officially transfer ownership.

signing loan document

Bad Credit Iowa Car Title Loan

Having bad credit or no credit history can often create obstacles when seeking financial assistance. However, at Titlelo, we understand that your credit score doesn't define your ability to repay a loan. Unlike traditional lenders who heavily rely on credit checks, our loan approval process is primarily based on the value of your vehicle and your capacity to repay the loan. By using your car as collateral, we can offer you bad credit car title loans in Iowa that provide a viable solution for individuals with less-than-perfect credit. The loan amount is determined by the appraisal value of your vehicle, allowing you to access the cash you need while bypassing the limitations imposed by traditional lenders.

signing loan document

How Much Cash You Can Expect from a Car Title Loan

The cash amount you can receive from a car title loan in Iowa is typically determined by the appraised value of your vehicle. In general, lenders offer loans ranging from 25% to 50% of your car's appraised value. This means that the more valuable your vehicle is, the higher the potential loan amount you can expect. However, it's essential to keep in mind that each lender may have their own specific guidelines and policies that affect the loan-to-value ratio. They evaluate factors such as the condition and market value of your car to determine the appropriate loan amount. By considering these aspects, lenders make sure that the loan aligns with the value of the collateral provided.

signing loan document

Laws Regulating And Protecting Borrowers From Car Title Loans In Iowa

Iowa has implemented robust laws to protect borrowers from unjust lending practices when it comes to car title loans. These regulations include the requirement for lenders to provide upfront disclosure of all fees and charges associated with the loan. Additionally, Iowa borrowers are granted a valuable "cooling off" period, during which they can choose to cancel the loan without facing any penalties.

Why Choose An Auto Title Loan In Iowa Over Traditional Bank Loans?

Opting for an auto title loan in Iowa over traditional bank loans offers several advantages. Unlike bank loans, car title loans are known for their speed and simplicity. They don't place a heavy emphasis on credit scores, making them accessible to individuals with less-than-perfect credit. Moreover, auto title loans provide borrowers with flexible repayment options.

Title Loan Interest Rates in Iowa

The amount of money you can borrow through a car title loan in Iowa depends on the value of your vehicle. Typically, you can expect a minimum amount of $300 and a maximum amount of $25,000, depending on the value of the car you use as collateral. In terms of interest rates, Iowa has implemented regulations to protect borrowers from excessive rates. The state sets a maximum cap on the Annual Percentage Rate (APR) for title loans, limiting it to 21%.

How to Choose the Right Car Title Loan Lender in Iowa

When you are going to apply for a car title loan in Iowa, choosing the right lender is crucial. It's essential to consider factors such as transparency, competitive interest rates, and excellent customer service.

With our help, it will be easier for you to pick the right provider, as we will present you only with options that are suitable for your individual circumstances. If you need professional title services in Waterloo, IA, or anywhere else in the state, we are here to help you. Contact us today to get comprehensive support!

Got questions? We've got answers.

An auto title loan is a short-term loan that uses your vehicle's title as collateral. No credit check is required, and repayment is usually due within 30 days but can be extended with an installment plan if needed. The amount available for you to borrow will depend on the value of your vehicle.

Car title loans are great alternatives to traditional bank loans since they do not require a credit check and can usually be processed much quicker. There are fewer requirements for income, employment, and documentation, and interest rates are lower than unsecured loans.

Other short-term loans, like cash advances and payday loans, can have high-interest rates, additional fees, and strict terms. Auto pawns (not title pawns) are secured short-term advancements, but use your actual vehicle as collateral, rather than just your title.

Title pawns, pink slip loans, auto equity loans, and auto collateral loans are all terms that can be used to describe types of title loans.

Titlelo offers car title loans in twenty-one states. We have partnered with reputable lender with multiple locations across the United States. Although Titlelo is headquartered in Florida, you'll be able to complete the loan process online or with one of many local title loan companies.

Looking for title loan places open on Sundays? We've got you covered. For your convenience, we've also partnered with lenders in your area that are open on the weekends. Never worry about an unexpected emergency again. Visit one of our many partner locations near you to get the help you deserve.

No problem! Title loans are secured loans, which means they use collateral instead of credit history to determine the interest rate. No credit information or sensitive personal information (like your social security number) is required. Apply online with your contact information and a few details about your vehicle and receive instant pre-approval.

The lender may request additional information to process the loan including a valid government-issued ID, your vehicle's title, and proof of income. Income does not have to be regular employment and can include payments from disability, social security, child support, alimony, unemployment, and self-employment.

Some lenders may also wish to see proof of address, car registration, or car insurance. If you prefer not to provide certain documentation, let your Titlelo expert know, and they will match you with a lender with fewer requirements.

The amount of your loan is dependent on the value of your vehicle and loan regulations in your state. Generally, title loans can be approved for amounts as low as $200 to as much as $25,000. To determine the value of your car, the lender will complete an inspection of your vehicle.

Apply online to pre-qualify for a car title loan with only minimal information about your vehicle: make, model, year, and estimated mileage. The expected amount of your title advance may change depending on the condition of your car, as determined by the lender's inspection.

Titlelo will match you with a lender in your state and will help schedule the inspection of your vehicle (either at your location or the lender's). After the review is complete, the value of your car will be finalized in the loan. You may choose to borrow all or some of the approved amount and can receive the funds the same day (if opting for direct deposit).

Yes! Even though your vehicle's title is used as collateral and the loan amount is established by the value of your car, your vehicle will remain in your possession during the entire life of your loan.

Unlike an auto pawn, which requires your actual vehicle as collateral, a lender of a title loan will only request your vehicle's title. Since this is still a big financial decision, you want to be sure to work with a reputable lender. Titlelo will help narrow down your options to a short-list of trustworthy companies that offer competitive rates and realistic terms.

After establishing the value of your vehicle with an inspection by the lender, the loan will be finalized and the funds disbursed. You will continue driving your car to work, school, and to run errands while making payments on your loan. When the loan has been repaid, you will receive your vehicle's title back from the lender.