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Apply for a car title loan in Wisconsin

Wisconsin has been seeing a steady increase in job opportunities in the past few years. Residents are presented with a lot of opportunities in the industries of agriculture, healthcare, and manufacturing. As a result, poverty rates are consistently falling. However, many residents still turn to loans as a quick solution for emergency situations or unexpected expenses. As of 2017, the number of financial institutions offering lending services in Wisconsin is almost double the number of McDonald’s restaurants in the state.

Since borrowers put up the car title as collateral, lenders tend to charge lower interest fees than other short-term loans. The private collateral provides security to the borrower’s debt. Additionally, this does not require the borrower to give up the car while the loan is in effect.

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We make applying for Wisconsin 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 Wisconsinites

On average, Wisconsin residents have one of the strongest credit ratings across the entire United States. However, having a poor credit history should not hinder one from taking out a title loan. Unlike in most payday loans, applications for title loans do not undergo a credit check.

Another advantage of opting for this type of loan is that title lenders in Wisconsin offer very flexible repayment options. In case a borrower is unable to repay the loan, the lender does not repossess the vehicle right away. Instead, they offer new loans to finance the previous one to help borrowers cope. The only time a vehicle is repossessed is if a borrower fails to make any payment at all. Still, state law requires lenders to provide a 20-day notice to the borrower. These terms can save borrowers a lot of trouble.

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Why Choose an Auto Title Loan in Wisconsin Over Regular Bank Loans?

While a bank loan may be the more advantageous choice for individuals looking for long-term financial support, not everyone has the ability to meet the strict credit check requirements or navigate through a complicated application process. For those seeking immediate funds, the bank route may not be the ideal solution, especially if you don't have the perfect credit score.

Fortunately, Wisconsin car title loans offer a distinct advantage by providing guaranteed funding within one business day. It's important to note that title loans carry higher interest rates and shorter repayment terms, making them a more suitable option for short-term financial needs.

However, obtaining a title loan is a straightforward process, accessible to anyone with a valid vehicle title, a vehicle free of liens or encumbrances, and a steady source of income. As such, car title loans are an appealing alternative to traditional bank loans.

How Do Online Title Loans in WI Work?

Milwaukee Wisconsin USA Skyline

Getting an online title loan in Wisconsin is a quick and hassle-free process. You can submit your application online and receive approval within a short time. So, how does the process work?

Firstly, you will need to complete and submit the online application. This requires some personal information and the amount of money you would like to borrow. Once you are pre-approved, you will have to provide the necessary documents and schedule a meeting with our representative to get your vehicle assessed.

After completing these steps, you will get fast cash deposited directly into your account.

Requirements for Wisconsin Title Loan

A Road at Autumn in Door County of Wisconsin

To qualify for an auto title loan, there are some requirements that need to be met:

  • You must be 18 years of age or older.

  • You must have a title to your vehicle.

  • You must provide proof of income.

You don't have to worry about your credit score, as many lenders do not conduct hard credit checks. Instead, you get quick access to cash using your car or other asset as collateral.

Documents Needed to Apply for Wisconsin Auto Title Loan

Mabel Lake Northwoods Wisconsin

During the application process, you will be asked to provide the following documents:

  • State-issued identification - this could be your state-issued ID card, driver's license, or passport.

  • Proof of income - bank statements, pay stubs, tax returns, or other documents that demonstrate a source of income.

  • Proof of address - utility bills, lease agreements, or bank statements that show you are a Wisconsin resident.

  • Vehicle title with your name on it - this document must be in your name and free from liens or encumbrances.

Wisconsin Title Loans - Laws and Regulations

Title loans in Wisconsin don't only offer a quick injection of cash in times of need. They are also one of the best lending options because of how they are regulated by state laws.

As opposed to payday loans and others that aren't backed by your clear vehicle title, title loans are actually quite tightly limited by state laws in regard to how exactly they can be structured. Here is everything you need to know:

Loan Amount

In Wisconsin, the highest amount you can lend through a car title loan is $25000. This means that even if you have a really expensive car, with 25-50% of its value exceeding that amount, you can't get more than that. On the flip side, this regulation protects you from overwhelming interest on your loan, making it easier to pay off.

Maximum Term

The longest payoff term you can get on your title loan is 180 days in Wisconsin. On the one hand, you'll have less time to pay it off, but more importantly, it protects you from your loan amount reaching unpayable heights after years of interest rates piling up.

Interest Rates

The cap on title loan interest rates for Wisconsin customers is set at 25% per month.

Just like in the case of car title cash loans in any other state, you might get differing terms depending on which provider you choose to go with. Not all offers will fit your specific requirements, and browsing through all the different institutions can be a major pain, especially if you're pressed for time. At Titlelo, we aim to take some of that pressure off your shoulders by helping you find the perfect match!

Selecting the Right Title Loan Provider in Wisconsin

At Titelo, we strive to provide top-notch services, affordable rates, and adjustable payment options to our customers in Wisconsin. With us, discovering the perfect lender for your distinctive needs will take merely hours, and you'll gain access to the money shortly thereafter.

Simply complete the online inquiry form to easily apply for a loan without any stress or complications. Feel free to head over to our website and contact us if you have any questions about the process.

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.