Online Car Title Loans in Michigan
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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!

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