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Where does AutoCashUSA do business?

AutoCashUSA is a direct lender based in Atlanta, GA. It was founded in 2001 and offers access to auto title loans in 20 states across the USA.

What rates does AutoCashUSA charge?

AutoCashUSA offers auto title loans with a variable APR that ranges from 36% up to 360%.

Does AutoCashUSA charge an origination fee?

No, AutoCashUSA does not charge a loan origination fee.

A loan origination fee is what some lenders charge for processing, underwriting, and funding a loan. Typically fees range from 0.5% to 5% of the loan amount. Whenever possible, choose lenders that don’t charge origination fees.

Does AutoCashUSA charge a late fee?

No, AutoCashUSA will not charge you a late fee.

Does AutoCashUSA charge prepayment fees?

No, AutoCashUSA does not charge prepayment fees. This means you will not have to pay additional fees if you decide to pay the loan off early.

How much can you borrow from AutoCashUSA?

Loan amounts start at $300 and go up to $15,000.

What is the maximum loan term you can get with AutoCashUSA?

AutoCashUSA offers auto title loans with a maximum term of 12 months. Having the option of longer terms allows borrowers to take on larger loan amounts while keeping monthly payments more affordable. However, the longer the term of your loan, the more interest you will pay.

What do you need to qualify for a loan with AutoCashUSA?

Applicants with a credit score of at least 300 can apply for a loan via AutoCashUSA. The minimum age to apply for a loan is 18 or the state minimum, whichever is higher.

To qualify for a loan, you must have a clean title of your vehicle. In other words, you must be the undisputed owner of the vehicle. You can't have any liens or levies from creditors or other parties on your vehicle's title. Don't worry, there are other lenders who will consider borrowers who don't have a clean title.

Only U.S. citizens and permanent residents can apply for a loan.

AutoCashUSA will also consider borrowers who are unemployed as long as they have an annual income of $15,000 or higher..

To qualify, applicants may need to provide the following documentation:

  • Driver's license
  • Proof of citizenship or residence permit
  • Recent pay stubs
  • Recent bank statements
  • Active duty servicemembers and their covered dependents cannot apply for a loan via AutoCashUSA. The Military Lending Act prohibits lenders from charging servicemembers more than a 36% APR.

Note that AutoCashUSA allows borrowers to use a co-signer. This means you could qualify without meeting the eligibility criteria mentioned above. However, you will need a friend or relative who does qualify and is willing to guarantee the loan.

What is the estimated funding time for an auto title loan via AutoCashUSA?

AutoCashUSA will typically provide a credit approval decision in less than an hour and fund the loan within 0 and 1 days.

Does AutoCashUSA report loan payments to credit bureaus?

AutoCashUSA does not report to any of the credit bureaus. Lenders are not required to report to the credit bureaus. However, making regular payments to a lender that reports to one or more credit bureaus may help you improve your credit score.

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  • Headquarters
  •   Community Loans of America, Inc
    8601 Dunwoody Place
    Atlanta, GA 30350 USA
  •   Visit Site


Alaska Alabama Arkansas Arizona California Colorado Connecticut Washington, D.C. Delaware Florida Georgia Hawaii Iowa Idaho Illinois Indiana Kansas Kentucky Louisiana Massachusetts Maryland Maine Michigan Minnesota Missouri Mississippi Montana North Carolina North Dakota Nebraska New Hampshire New Jersey New Mexico Nevada New York Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Virginia Vermont Washington Wisconsin West Virginia Wyoming
  Available in 20 states
  • Alabama
  • Arizona
  • California
  • Delaware
  • Georgia
  • Idaho
  • Illinois
  • Louisiana
  • Mississippi
  • Missouri
  • Nevada
  • New Hampshire
  • New Mexico
  • Ohio
  • South Carolina
  • Tennessee
  • Texas
  • Utah
  • Virginia
  • Wisconsin

Feature Breakdown

No Origination Fee  
No Prepayment Fee  
No Late Fees  
Minimum Age 18
Credit Score Range 300 - 600
850 300 600
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Minimum Annual Income $15,000
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Unemployed
Vehicle Requirements
  • Clear Title
  • Vehicle Paid Off
Clean Title Required  
Military Status
  • Non-Military
Supported Income Types
  • 1099 Misc. Income
  • Cash
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
Joint Loan Applications Accepted
  • Cosigner
Verification Documents Required
  • Proof of Income
  • Recent Pay Stubs
  • Driver License (or other photo ID)
  • Proof of citizenship/residence (Green Card)
Loan Amount $300 - $15K
Loan Term (Months) Up to 12
APR 36% - 360%

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