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Apply for a car title loan in Michigan

Obtaining a car title loan in Michigan is a straightforward and basically effortless process. If you have a vehicle with a clear title, it can work as collateral to help you satisfy your urgent financial needs. You can start the loan process by just completing a simple online application and providing details on yourself and your car.

When your vehicle’s value is estimated and your compliance with all the requirements is confirmed, you can get the loan amazingly fast. Thanks to such a convenient procedure, Michigan residents have the opportunity to get the funds even on the same day.

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We make applying for Michigan 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 Michiganders

For many Michiganders, car title loans are a lifeline during challenging times. Various unexpected expenses can happen, including sudden medical emergencies or urgent home repairs, and it gives peace of mind to know that you are able to get rapid funding avoiding the rigorous credit checks characteristic of traditional banks.
Furthermore, it is important that car title loans are also available for borrowers with imperfect credit scores as, in this case, their vehicle serves as collateral.

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How Do Online Title Loans In Michigan Work?

As the procedure for applying for title loans in Michigan happens entirely online, it is very convenient and time-saving. After you send your complete application, our team will estimate your car’s value and determine the loan amount in accordance with it. If you provide all the necessary documents and confirm that you’re eligible for the loan, you can quickly get the funds from one of our suggested lenders.

Qualification Requirements For Auto Title Loans In Michigan


The requirements for car title loans in Michigan can differ from one lender to another, but there are three core ones that you are most likely to always have to meet. They are as follows:

  • Be 18 or older: Any applicant who is younger than 18 will be considered ineligible for a car title loan.

  • Present proof of income: As the lender needs to be sure you are able to pay off the loan as established in the agreement, they require confirmation of your regular earnings. It doesn’t matter if you get them from a full-time job or an alternative source of income - they just need to be confirmed with proper evidence.

  • Hold a clear and lien-free car title: In order to use a vehicle title as collateral, it needs to be entirely in your name.

Documents Needed To Apply For A Title Loan In Michigan

Prior to applying for car title loans in Michigan, borrowers need to prepare the following documents:

  • Proof of income: As previously said, you need to prove to the lender that you will have the necessary funds to pay off the loan on time. For this reason, prepare your pay stubs, tax returns, bank statements, or other similar documents.

  • State-issued identification: To confirm your identity, you need to bring your state-issued ID, passport, or driver’s license.

  • Car title in your name: Only exclusive car owners can obtain a title loan, so you have to prove that there are no liens or encumbrances.

  • Proof of Michigan residency: You are obliged to confirm your residential address in Michigan with such documents as a recent credit card statement, a lease agreement, or a utility bill.

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

One of the most significant complications that may make it very hard to receive a title loan in Michigan is not owning a vehicle that is entirely in your name. If possible, you should transfer the car title to your name before you apply for the loan. Interestingly, it happens that a lender may still consider your application if you substantiate ownership or have authorization from the title holder, but it is usually a much more complex procedure.

signing loan document

Bad Credit Michigan Car Title Loan

Even if you don’t have an impressive credit history, you can still try to get a car title loan in Michigan. It is because, in this case, the vehicle’s title works as collateral, so lenders may not pay that much attention to bad credit scores that could be a deal-breaker for most traditional banks. Nevertheless, bear in mind that it can result in slightly higher interest rates - but our professional team will do their utmost to find the best offer that is available to you!

signing loan document

How Much Cash You Can Expect from a Car Title Loan

The sum of money you can obtain from a car title loan in Michigan is contingent on how much your vehicle is worth to a large extent. Before making an offer, your chosen lender will examine such factors as the model, year, make, and general condition of the car to estimate its value. In most cases, a borrower can get 25-50% of the vehicle’s market worth.

signing loan document

Laws Regulating And Protecting Borrowers From Car Title Loans In Michigan

In order to protect its residents, the state of Michigan has regulations controlling car title loans. To work legally, lenders need to be registered and comply with state-mandated rules when it comes to interest rates, terms, and fees. To be specific, 487.2121 et seq. (specifically 487.2153) regulates title loans in Michigan. Apart from that, the Federal Trade Commission (FTC) protects consumer rights and controls the lenders in the state.

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

The main benefit of choosing auto title loans over traditional bank ones is a simple application process with minimal requirements. Such a fast and flexible solution is perfect especially for those who don’t have perfect credit or are in need of immediate financial assistance.

Title Loan Interest Rates in Michigan

Interest rates for car title loans in Michigan can be different depending on a particular lender’s conditions and borrower’s financial situation.

It is crucial to compare all the available options and choose the most beneficial one but it can be difficult and time-consuming. Here is where our team comes in!

How to Choose the Right Car Title Loan Lender in Michigan

There are many significant factors that should be considered when choosing the right car title loan lender in Michigan, such as loan terms, customer service, reputation, and interest rates. Thanks to the assistance of Titlelo, you will be able to achieve the best offer tailored to your needs and your specific situation with minimum effort on your side. Reach out to us today!

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.