Last Updated: 04/18/2025
SuperMoney User Recommendation Score +20
Mostly recommended5 total votes
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Highlights
Community Rating
Mostly recommended
Amount Range
$2,500 - $50,000
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APR (Fixed APR)
20% - 90%(Verified 06/21/2024)
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Credit Score Range
300 - 700
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Number of Reviews
TFC Title Loans Review
TFC Title Loans is offered by TFC Title Loans, a direct lender founded in 1994 and based in Los Angeles, CA. TFC Title Loans are available in 3 states.
TFC Title Loans FAQ
What rates does TFC Title Loans charge?
TFC Title Loans offers auto equity loans with a fixed APR that ranges from 20% up to 90% .
Does TFC Title Loans charge an origination fee?
Yes, TFC Title Loans charges a loan origination fee starting at 1.5% of the loan amount . TFC Title Loans deducts the fee directly from your loan amount before depositing your money, so make sure you take this fee into account when deciding how much you need to borrow.
Does TFC Title Loans charge a late fee?
Yes, TFC Title Loans charges borrowers a late payment fee of up to $15 .
Does TFC Title Loans charge prepayment fees?
No, TFC 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 TFC Title Loans?
Loan amounts start at $2,500 and go up to $50,000.
What is the maximum loan term you can get with TFC Title Loans?
TFC Title Loans offers auto equity loans with a maximum term of 44 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 TFC 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. TFC Title Loans does not have or does not disclose a minimum annual income eligibility requirement.
U.S. citizens and permanent resident / green card holders are eligible to apply for the services offered by TFC Title Loans.
To qualify, applicants may need to provide the following documentation:
- Applicants must have an active and valid personal checking account
- Recent pay stubs
- Driver's license or other government photo ID
- Proof of citizenship or residence permit
What is the estimated funding time for an auto equity loan via TFC Title Loans?
TFC Title Loans will typically fund auto equity loans as soon as 0 business day of approval.
Does TFC Title Loans perform a hard credit pull?
Yes, TFC Title Loans performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
Is TFC Title Loans a legit company?
TFC Title Loans was founded in 1994, it is a well-established company that has been in business for 32 years. Based on their "mostly recommended" SuperMoney community rating, they seem to be a reputable company.
TFC Title Loans Disclosure: Trading Financial Credit, LLC dba TFC Title Loans, DineroMax, A Car Title Loan Company, AAA Car Title Loan Company, Car Title Loan USA, Car Title Loans California, TFCI Loan, and GetILoan. Trading Financial Credit, LLC may act as the broker for the loan, and may not be the direct lender. Trading Financial Credit, LLC is licensed or registered as a finance lender as required by applicable state law and does not offer or service student loans. Loan proceeds are intended primarily for personal, family and household purposes. *Subject to minimum loan amount and meeting our credit criteria, which includes providing acceptable property as collateral. Customers need to demonstrate ability to repay the loan. Minimum loan amount in CA is $2,510.00.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
Message from TFC Title Loans
Message from our editor
What we love about TFT Title Loans
TFC Title Loans offers one-day funding and applications are approved within one hour. It offers high loan amounts and the eligibility requirements are easy to meet. Although TFC Title Loans will pull your credit, it is not used to determine your interest rate. The value of your vehicle is the primary factor when determining eligibility.
What could TFT Title Loans do better?
Although TFC Title Loans has lower interest rates than most title loan lenders, its interest rates are still high. It is only available in a few states and you can only qualify if your vehicle is of considerable value.
The Verdict
Interest rates for TFT Title Loans are very high, so they should only be considered in a real emergency. However, they are easy to qualify for if your vehicle meets their minimum value requirements.