Affordable Loans for Real-Life Needs
Why wait days for a bank to approve your personal loan? With a title loan, you can get same-day cash; no delays.2 It’s one of the fastest ways to get funding in Richmond without selling your vehicle. By using your car title as collateral, you can access cash fast, often in 5 hours.2
Get started today and see how much you’ll get!
Frequently Asked Title Loan Questions
Q: Will I Lose My Car If I Take Out A Title Loan?
Not at all. With an online title loan, your vehicle remains in your possession while you pay. Only your car title is used as collateral. As long as you make your monthly payments, you can avoid repossession.4
Q: How Much Money Can I Borrow With A Title Loan?
The amount you can borrow depends on the value of your vehicle, its condition, and your ability to repay the loan. In general, most borrowers receive between $100 and $50,000. Higher-value vehicles may qualify for larger loans. We evaluate your car based on its make, model, mileage, and overall condition to determine the loan amount.
Q: How Fast Can I Get The Money?
If you have all the necessary documents ready when submitting the request, you could be approved in minutes.2 Many customers walk away with cash or get direct deposit even on the same day.2 Be sure to check with your lender for more loan proceeds details!
Discovering Richmond, Virginia
Richmond is Virginia’s capital and was the Confederate capital during the Civil War. It’s a major hub for law, finance, and government; a Federal Reserve Bank; and a U.S. Court of Appeals. The city also features Jackson Ward, historically known as the “Black Wall Street of America.
Median Home Price Comparison: Richmond vs. National Average
| Location | Median Home Price |
| Richmond | $244,200 |
| National Average | $184,700 |
Source: AreaVibes
With higher housing costs in the local area, many residents face tighter budgets. When unexpected expenses arise, auto title loans can provide fast cash2 without the delays or credit checks of traditional lenders. Those with immediate financial need find title loans a reliable choice with same-business-day funding.2
What You’ll Need to Get a Title Loan
Before you submit the request, gather the following:
- Your vehicle title (in your name, with no liens)
- Valid government-issued ID (driver’s license)
- Proof of income (bank statement, pay stubs)
- Vehicle insurance documentation
- Proof of residency in Richmond
- Bad credit history is OK
The Bottom Line
Virginia allows title loans, but there are state laws to protect you and ensure you get reliable service. Work only with a title lender that’s upfront, legal, and listed with the SCC.
Disclaimer: Car title loans are regulated under Virginia law and should be used for short-term needs only.4 They carry higher interest rates and can result in vehicle repossession if not repaid.4 Always confirm that your loan company is licensed by the Virginia State Corporation Commission. Read the loan agreement carefully and consider alternatives like payday loans.4
