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Apply for a car title loan in Minnesota

It is not that difficult to get car title loans in Minnesota. If you are a vehicle owner and you need additional money as soon as possible, you can use your car title as collateral. All you have to do is to just fill out a simple online application with the essential information on you and your vehicle and let the lender assess the car’s value.

If everything is alright, you will get the loan approval sooner than you think. The amount of money you will be allowed to borrow will depend on your vehicle’s value. Usually, Minnesotans are able to receive the necessary funds the same day they apply for them.

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We make applying for Minnesota 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

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How title loans benefit Minnesotans

Auto title loans in MN offer great help in financial emergencies. Contrary to traditional bank loans, they are usually processed very fast, even within one day. Such a speed can be game-changing for those Minnesotans who face urgent financial challenges, such as unexpected bills or medical emergencies. 

What’s more, it is also an excellent solution for those individuals who don’t have the best credit history and, as a result, have very limited possibilities to get financial assistance. It is because, in the case of car title loans in MN, your vehicle serves as collateral and makes your credit history less important for the lender.

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How Do Online Title Loans In Minnesota Work?

From application to approval, the whole process of getting a car title loan with Titelo is conducted on the Internet, so you don’t even have to leave the comfort of your home. When our team receives your complete online form, they assess your car’s value and specify the loan amount. Then, if you confirm that you’re the vehicle owner and that you have a stable source of income with proper documentation, you will be offered a loan. When the whole process is over, you will quickly get the necessary funds and continue to use your car as before.

Qualification Requirements For Auto Title Loans In MN


Applying for online car title loans in MN is easy and convenient, but in order to qualify for them, you need to meet three basic criteria:

  • Be 18 or older: As in the case of any other loans or credit applications, you need to be 18 or older to apply for a title loan in MN.

  • Be the exclusive owner of a qualifying car: To be eligible for a car title loan, you need to confirm that you’re the only owner of the vehicle. Also, the car needs to be in good enough condition to meet the expected minimum market value.

  • Provide proof of income: The lender needs to know that you are able to pay off the loan on time, so they require proof of income. It doesn’t mean you need to have a full-time job, but if you have an alternative source of earnings, you should provide proper documentation proving it.

Keeping that in mind, let’s look at what documents you should prepare before applying for an auto title loan in MN.

Documents Needed To Apply For A Title Loan In Minnesota

Before you apply for a car title loan in Minnesota, please make sure you are able to provide the following documents:

  • Proof of residence: You must prepare proof that you live in Minnesota, such as a utility bill, a lease agreement, or a bank statement.

  • Proof of income: As it was mentioned earlier, your income must be confirmed by proper documentation. It can be, for example, bank statements, tax returns, or pay stubs.

  • State ID or driver’s license: The lender will expect you to confirm your identity and citizenship with state-issued identification.

  • Car title in your name: You need to prove that the vehicle doesn’t have any liens or encumbrances.

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

If the car’s title is not in your name, it can be complicated or even impossible for you to be eligible for any title loans in MN. In order to avoid such issues, remember to transfer the title to your name before you send an online application. The car title serves as collateral for your loan, and that is why it is essential you fully own it.

signing loan document

Bad Credit Minnesota Car Title Loan

Even if you have a bad credit history, it does not exclude you from the possibility of obtaining a car title loan in Minnesota. As the vehicle plays the role of collateral here, it is not so significant for most lenders to work only with borrowers who have perfect credit. It may happen that those with poorer credit scores get higher interest rates, but they will not be rejected for that reason.

signing loan document

How Much Cash You Can Expect from a Car Title Loan

How much money you will get from a car title loan in Minnesota depends on how much your vehicle is worth. Lenders will check its make, model, year, and condition to estimate its worth. In most cases, your loan will be equal to 25-50% of the car’s value. For instance, if your vehicle’s worth is estimated at $6,000, lenders may offer anything between $1,500 and $3,000. However, take into account that there are other factors influencing your loan amount, such as income and the lender’s policy.

signing loan document

Laws Regulating And Protecting Borrowers From Car Title Loans In Minnesota

To protect consumers, the state of Minnesota established certain laws regulating car title loans. One of them is a requirement that lenders must be licensed and follow all the state laws associated with interest rates, terms, and conditions. Thanks to these regulations, borrowers are treated honestly and are always informed about all the obligations resulting from getting car title loans in MN. In general, Minn. Stat. § 47.60 et seq regulates title loans in Minnesota. What’s more, there is the Minnesota Department of Commerce controlling the lenders and protecting consumer rights.

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

One of the main advantages of auto title loans in Minnesota is that they usually offer shorter pending times and fewer requirements than traditional bank loans. They are an excellent alternative for those borrowers who have a less-than-perfect credit history or have a real emergency and need funds as soon as possible. Thanks to their simplicity, inclusivity, and flexibility, car title loans are a number one option for many people in need of quick financial help.

Title Loan Interest Rates in Minnesota

Interest rates for auto title loans in Minnesota can differ from lender to lender and can also be affected by the borrower’s creditworthiness. Moreover, there are some state regulations limiting them - for instance, in the case of loans over $350 and under $1,000, annual interest rates are capped at 33 percent. In Titlelo, we carefully compare the terms and conditions offered by various lenders in a particular area and always suggest those with the most beneficial interest rates.

How to Choose the Right Car Title Loan Lender in Minnesota

Choosing the right provider of car title loans in Minnesota may not be that easy, as it requires taking several factors into consideration, including their terms and conditions, customer service, interest rates, and reputation.

However, you don’t have to do it by yourself - our friendly, competent, and experienced team is here to help you. We will compare the offers of numerous lenders in your area and tell you which one we think would be best in your case. Contact us now for professional assistance with auto title loans in MN!

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.