New Jersey Title Loans
Made Simple.

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 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.

apply now

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.

apply now

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.

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.