Online Car Title Loans in Tennessee
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Apply for a car title loan in Tennessee

Tennessee is one of the states that belongs to the bottom fifty percent when it comes to economic standing across the country. It has a high unemployment rate of 5.00% and over 1,077,900 of the population are living below poverty level. To rise up from the financial struggles the people of Tennessee face, a lot of residents are counting on Tennessee title loans.

Yes, people who have been struggling with their finances or who are faced with a sudden string of overwhelming expenses usually try to apply for bank and personal loans first. However, these options can be time consuming and frankly, quite arduous. Luckily, title loans are now easily available in the state. With its super fast and simple process, more and more people from Tennessee are going with this option.

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We make applying for Tennessee 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 Tennesseans

The good news is, the borrower can get as much as 75% of the car’s total equity and interest rates are also in acceptable proportions. Requirements are less demanding and the whole process usually just takes about 24 hours or less. Initial requirements include driver’s license copy, title of the vehicle and the borrower’s proof of income.

A lot of people are now leaning to apply for Tennessee title loans instead of other types of loans. Aside from the high percentage of approval, all it takes is just one phone call or one quick visit online to kickstart the process. Even though title loans are considered temporary solutions, it is definitely the best option for borrowers who are in dire need of some quick cash.

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How Do Online Title Loans In Tennessee Work?

The whole title loan process online is extremely simple and designed to help you acquire needed funds as quickly as possible. You don't have to prepare long documentation, and the approval process takes minutes or hours, so you get the answer almost right away.

A title loan is a type of loan that uses your vehicle as collateral. What it means is that a lender has the right to repossess your car in case you default on your payments and are unable to repay the loan.

For this reason, lenders can offer borrowers better terms since they have this safety net. It's mutually beneficial, so if you own a car, it's a much better choice than, for example, a personal loan.

Tennessee loans online are very easy to apply for. All you need to do is submit your online application, supply an up-to-date car title with no liens against it, and offer proof of income.

In the next steps, the lender's representative will contact you to schedule an inspection of your vehicle, and if everything goes smoothly, you'll get approved for a loan on the same day.

What Are the Requirements For Auto Title Loans In Tennessee

tennessee state capitol in nashville

What requirements do you need to meet in order to be approved for a title loan?

  • You need to be at least 18 years old.

  • Have a valid and clear vehicle title under your name.

  • Present a lender with proof of income.

Documents Needed To Apply For Tennessee Title Loan

tennessee bicentennial park in nashville

Documents you will need to provide to take a title loan include:

  • State-issued identification - ID, driver's license, or passport.

  • Proof of address - any document that proves you reside in Tennessee. This could be a utility bill, a lease agreement, a bank statement, etc.

  • Vehicle title under your name - a vehicle needs to be free from any encumbrances.

  • Proof of income - this applies to bank statements, tax returns or pay stubs. Your income can come from various sources, like employment, Social Security Benefits, Retirement Income, or even alimony and child support.

How Much Money Can You Borrow From a Tennessee Title Loan?

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How much cash can you borrow from this loan? In most cases, the amount you'll be able to borrow is directly tied to your vehicle's market value. Another factor that is considered is your ability to repay the loan, meaning your income.

In Tennessee, title loan lenders can offer borrowers loans amounting to 25%-50% of the market value of one's car. This means that if your car is estimated to be worth $5000, you are able to borrow anywhere from $1,250 and $2,500.

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What Are the Interest Rates for TN Title Loan?

In the state of Tennessee, it is illegal to charge interest rates on title loans that are larger than 2% per month. This means that TN borrowers can expect rather beneficial loan terms. However, it's important to mention that companies that issue title loans can charge their customers additional operational fees. These fees cannot be greater than 20% of the amount that is being borrowed.


What If You Have Bad Credit?

It doesn't matter if you have a less-than-perfect credit score. Your credit history will not be considered when you're applying for a loan with us. However, some lenders that we'll link you with may want to perform a credit check on you once you've been preapproved.

Hard credit checks can influence your credit score, and for this reason, we do everything in our power to match you with a lender you have the biggest chance of getting approved.

Additionally, factors like your income, the amount you want to borrow and the state and condition of your car will have a greater impact on your probability of getting a loan than your credit score, so it's still a valuable option for those who need cash quickly and don't have perfect credit to be able to choose a different, more traditional route.

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Laws Regulating And Protecting Borrowers From Tennessee Car Title Loans

What are the restrictions and regulations that protect Tennessee residents against predatory lenders?

  • First and foremost, all TN lenders are required to be licensed with the state.

  • It is required lenders need to hold a borrower's car after repossession took place for at least 20 days to give the borrower an opportunity to pay off the loan.

  • Lenders are prohibited from purchasing the repossessed vehicles for their personal or business use.

  • The initial Tennessee title loan's term cannot exceed 30 days.

  • Tennessee law prohibits lenders from charging any additional prepayment penalties or fees in case the loan gets repaid before its due date.

signing loan document

Why Choose Tennessee Car Title Loan Over Traditional Bank Loans?

Banks are probably the safest and most reliable institutions you can apply for a loan with, so why would you choose to borrow money through a title loan?

There are many reasons! Some people are simply not eligible for bank loans because of their bad or nonexistent credit histories. Still, they might need quick cash to pay for some bills or other unexpected expenses. For them, title loans are the right choice, as they offer better terms than payday loans and a higher acceptance rate than bank loans.

If you want to access cash fast, choosing the option that guarantees you a high acceptance rate, and a quick and straightforward application process, as a Tennessee title loan does, might be a valuable alternative to a traditional bank loan.

nashville sunset

How To Choose the Right Car Title Loan Lender in Tennessee?

It's crucial to select a title loan lender you can trust with your car. Title loans are quite expensive, so you want to choose a lender that will treat you fair and offer you attractive terms instead of exploiting you in a difficult time.

That is why you should choose a title loan intermediary, like Titlelo, which will help you find the most beneficial loan, assist you throughout the whole process and will be able to answer all of your questions regarding the loan's terms and fees.

We have years of experience in this industry, so we know what loans and lenders are reliable and beneficial to consider. We'll be able to link you with a lender that meets your needs and requirements, offering much higher acceptance rates and saved time.

Are you still unsure? We understand that. Contact one of our Experts and receive all the answers to your questions. Save yourself some nerves and time and see what we can do for you today.

Got questions? We've got answers.