Online Car Title Loans in New Jersey
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Apply for a car title loan in New Jersey

If you live in New Jersey and, for whatever reason, you find yourself in a financial emergency that requires you to have cash right there and then, a car title loan might be exactly what you need to get you out of it. The process is quick and easy, which means that you can have access to money to resolve your troubles as fast as within one business day.

While NJ car title loans use your vehicle as collateral, it won’t affect your daily life, as you don’t have to give it up - you can drive it until you pay off the loan or until you are unable to do so, in which case your vehicle will be sold to settle the debt.

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We make applying for New Jersey 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 New Jerseyans

New Jersey car title loans offer multiple advantages that make them an attractive option for the residents of Garden State who find themselves in need of money. The main one is their accessibility and the speed of the process.

Since car title loans use your vehicle as a way to protect themselves in case you don’t repay your debt, their requirements are, in general, less stringent than those of traditional loans given by the bank. Your financial history is not the deciding factor, which means that even if you have a bad credit score, you can still get approved for an auto loan. And since there’s not as much paperwork involved, the process of getting a title loan is quite quick.

Another thing is that how much you receive in a loan depends on the value of your car, which for many means that they have a chance of obtaining a higher amount than they would’ve if they applied for a traditional loan at a bank or other financial institution.

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How Do Title Loans in New Jersey Work

The process of getting a title loan in New Jersey is actually really simple. The first thing you need to do is to fill out our application form - it contains basic information that will allow us to better understand your situation and, therefore, find the best lender to connect you with.

Once we find the right match, the lender will take a look at your application and decide, based on the value of your vehicle, how much money they can lend you. Each lender might have their own requirements when it comes to the documentation you need to submit, but once all the paperwork is done, you should receive your money as quickly as within one business day.

Qualifications Required for Auto Title Loans in New Jersey

In order to be eligible for a car title loan in New Jersey, you have to:

  • Be at least 18 years old.

  • Have a lien-free vehicle title in your name.

  • Have proof of income.

If you are sure you meet all the above criteria, let’s look at the documents you need to apply for car title loans in New Jersey .

Documents Needed to Apply for a Title Loan in New Jersey

The documents you will need to submit in order to receive a car title loan in New Jersey typically include:

  • A government-issued ID - it doesn’t have to be an ID per se, it can also be your passport or your driver’s license.

  • A vehicle title in your name - the vehicle has to be lien-free.

  • Proof of income - a document that shows you have a stable source of income, such as your bank statements or pay stubs.

  • Proof of residence - for example, your lease agreement or utility bills.

Keep in mind that a specific lender might require less/more documentation, as they usually have their own requirements.

What If the Car’s Title Is Not in Your Name?

If the car you’re trying to use as collateral is not in your name, then you will likely not be approved, since you have to be the owner of the vehicle you’re trying to put a lien on.

The best solution in that case would be to contact the owner of the vehicle and ask them to transfer the title to you - although you have to be prepared that transferring NJ car titles requires additional paperwork.


Bad Credit New Jersey Car Title Loan

For those with bad credit scores, getting approved for a traditional loan is often an unreachable goal. However, since a car title loan takes more into account the value of your vehicle and whether you’ll have the means to pay it off rather than your financial history, it’s a great option for those who might have had some financial troubles in the past that resulted in their less than perfect credit.

credit card on hand

How Much Cash You Can Expect from a Car Title Loan

The amount you will be able to borrow from a lender depends on the value of your vehicle - however, usually, you can expect to be offered anywhere between 15 to 50 percent of the total value of your car. So, for a car worth $5,000, you can expect to receive anywhere from $750 to $2,500.

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

There are several reasons why, when facing a decision about which loan to choose - a car title loan or a traditional bank loan - the auto loan might be the better option. First of all, in most cases, there’s no credit check involved, which means that even those who have no credit history or who have a poor credit score can be approved for it. Often, the whole procedure takes just a few days, and the same cannot be said for a bank loan, which usually requires excessive paperwork and can take as long as a few weeks or months.

Secondly, the only thing you have to give up temporarily while paying off the loan is the title to your car - there’s no need to offer any other assets you might have, like real estate, as the way to secure the repayment. The vehicle itself stays in your possession until your debt is paid off, which means that you don’t have to change your day-to-day life.

Title Loan Interest Rates in New Jersey

There isn’t one specific interest rate that lenders in New Jersey have to follow. In fact, title loan interest rates can vary significantly from lender to lender, as the state does not have a specific state-wide interest rate cap.

How to Choose the Right Car Title Loan Lender in New Jersey

Picking the right lender to help you with your financial struggles can be a frustrating decision to make, considering how many there are available. You also need to be very careful because, while there are several good lenders out there, there are also plenty of questionable ones.

At Titlelo, we do the hard work for you - we only work with reputable lenders that can provide our customers with competitive rates and flexible repayment options. We don’t work with any lender that doesn’t meet our standards, so you can be sure that the one you will be connected with is a trustworthy choice. Fill out our application form today, and let us help you in your financial distress. Take advantage of car title loans in NJ and save yourself some stress.

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