AutoCashUSA Title Loans
AutoCashUSA Title Loans
in Car Title Loans from AutoCashUSA

AutoCashUSA Title Loans

in Car Title Loans from AutoCashUSA
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Loan Amount $300 - $15,000
APR 36% - 360%
(Verified 08/04/2023)
Credit Score Range 300 - 600

AutoCashUSA Title Loans Review

AutoCashUSA Title Loans is offered by AutoCashUSA, a direct lender founded in 2001 and based in Kennesaw, GA. AutoCashUSA Title Loans are available in 20 states across the USA.

AutoCashUSA Title Loans FAQ

What rates does AutoCashUSA Title Loans charge?

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

Does AutoCashUSA Title Loans charge an origination fee?

No, AutoCashUSA Title Loans 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 Title Loans charge a late fee?

No, AutoCashUSA Title Loans will not charge you a late fee.

Does AutoCashUSA Title Loans charge prepayment fees?

No, AutoCashUSA Title Loans 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 Title Loans?

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

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

AutoCashUSA Title Loans 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 AutoCashUSA Title Loans?

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.

The minimum age to be eligible is 18 or the state minimum, whichever is higher.

To qualify for car title loans with AutoCashUSA Title Loans, applicants need a minimum annual income of $15,000 or higher. AutoCashUSA Title Loans will consider borrowers regardless of their employment status if they can prove their ability to repay their obligations. Note that borrowers can add a cosigner to either meet eligibility requirements or qualify for lower interest rates.

The Military Lending Act (32 C.F.R. § 232) prohibits lenders from charging service members more than 36% APR on credit extended to covered borrowers. APRs for the AutoCashUSA Title Loans product fall outside of the MLA limits, and as a result, the product cannot be issued to these applicants. Active duty service members and their covered dependents are considered “covered borrowers" under the Military Lending Act.

U.S. citizens and permanent resident / green card holders are eligible to apply for the services offered by AutoCashUSA Title Loans.

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

  • Recent pay stubs
  • Proof of income
  • Driver's license
  • Proof of citizenship or residence permit

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

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

Does AutoCashUSA Title Loans report your account activity to credit bureaus?

AutoCashUSA Title Loans does not report to any of the major credit bureaus. Creditors are not required to report payment activity to credit bureaus. However, making regular on-time payments to a creditor that reports to one or more credit bureaus may help improve your credit.

Is AutoCashUSA a legit company?

AutoCashUSA was founded in 2001, it is a well-established company that has been in business for 22 years.

Unfortunately, we don't have sufficient community reviews to provide a reliable rating of their user experience and customer service.

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Message From AutoCashUSA Title Loans

You never know when disaster might strike. And if you suddenly find yourself in need of quick cash, AutoCashUSA offers convenient same-day cash options including car title loans online. Instead of becoming unnecessarily embarrassed about a temporary money situation, take your problems online and contact one of our knowledgeable loan representatives. AutoCashUSA is a motor vehicle title lender that could offer you up to $15,000 in as little as thirty minutes! Visit us today and you will see that all of this can be done with the click of a button! AutoCashUSA offers short-term financial relief options throughout several locations in California, Nevada, Arizona, Texas, Georgia, South Carolina, Alabama, Mississippi, Tennessee, Louisiana, Wisconsin, Missouri, New Mexico, Virginia, and Illinois. Our AutoCashUSA loan representatives are all qualified to help you find the right loan with convenient online payment options. Finding car title loans online has never been easier! Even if you have never received a title loan before, AutoCashUSA has you covered. Title loans are secured loans that allow you to use your vehicle's title as collateral without giving up your main source of transportation. And since your loan is secured by your car's title, any credit is welcome. As long as you own your vehicle, you qualify for same-day cash approval when you visit your local title loan store. Let's face it, getting fast cash is no easy task. That's why we've made it our mission to offer car owners a truly fast and easy way to get the money they need just by visiting their nearby title loan lender. Now, you can have fast and easy access to emergency cash right when you need it, even if you have bad credit! The amount of cash you get is strictly based on the value of your car. So the nicer and newer your ride, the more cash you could have at your side. Also, our approval process is fast. Most customers are in and out in as little as 30 minutes!

In up to 15 states, car owners could receive up to $15,000 in a matter of minutes! Even if you don't have the best credit score, car title loans could still be an effective way to get extra cash when facing a financial emergency. Our title loan representatives are ready to help you get fast and easy access to the emergency cash you need today! Getting started is really easy. Simply send us your information by filling out our easy title loan online request form. Shortly after sending your info, get ready to pick up your phone. A representative from your nearby store location will be on the line ready to assist you and to confirm that the online title loan information you submitted is correct. While they're on the phone, they'll be happy to answer any questions you may have. After the call, you're ready to visit one of our title loan stores and collect the extra cash you need. Be sure to bring the required items for the online title loan. These items include your driver's license or a state-issued I.D., the lien-free title to your vehicle, and your vehicle for inspection. When you arrive at our store, a helpful and trustworthy title loan representative will conduct a quick inspection of your vehicle to determine the maximum cash amount you qualify for. Then, you will review the paperwork with them and have the opportunity to ask any remaining questions you may have. Once you've been approved, you'll soon be delivered the cash you need and sent on your way. You'll even get to keep your car while paying back the loan. Experience our simple approval process first-hand and get the extra cash you need today so you can lay your emergency to rest.


About AutoCashUSA Title Loans


  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 Late Fees
No Origination Fee
No Prepayment Fee
Clean Title Required
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Unemployed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Joint Loan Applications Accepted
  • Cosigner
Military Status
  • Non-Military
Minimum Age 18
Minimum Annual Income $15,000
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
  • Cash
  • 1099 Misc. Income
Vehicle Requirements
  • Vehicle Paid Off
  • Clear Title
Verification Documents Required
  • Driver License (or other photo ID)
  • Proof of citizenship/residence (Green Card)
  • Recent Pay Stubs
  • Proof of Income
Credit Score Range 300 - 600
Credit Bureau Reporting None
Customizable Payment Dates
Funding Time Range 0 - 1 day
Payment Options Storefront
Loan Term Up to 12 months
Loan Amount $300 - $15,000
APR 36% - 360%
(Verified 08/04/2023)

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