Title Loans FAQs

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Title Loan FAQs

Title Loans use your clear vehicle title as collateral to secure a loan. You can use your car, motorcycle, or other approved vehicle and the loan amount will be determined by the condition of your vehicle, the value of your vehicle and other factors. Your car will be assessed by an easymoney team member prior to approval. We make the process easy. 

  • Step 1: Apply for a Title Loan at your neighborhood easymoney store 
  • Step 2: Your vehicle will be inspected during the application process
  • Step 3: After assessment and review of your application you will receive a loan decision
  • Step 4: If you’re approved, the lender will place a lien on your vehicle
  • Step 5: You will receive your cash AND keep your car
  • Step 6: In AL a Title Loan is a pawn transaction and you’ll have 30 days to pay it back and redeem the title. As it is a pawn you have no obligation to make repayment, but such nonpayment forfeits the car. 
  • Step 7: After you finish paying back your loan/pawn, the lien will be removed from your title.

Simply put, if you own your vehicle outright—meaning you aren’t making payments—and there are no liens on your vehicle, you likely have a clear title. Your neighborhood easymoney team can help determine whether or not you’re eligible to apply for a Title Loan. 

Because we must appraise your vehicle in person, you are not able to receive a Title Loan online. Please visit our Title Loan overview page for more information.

You will still have possession of your vehicle while paying off your Title Loan and be the listed owner. Your lender will become the lien holder. Once you’ve paid off the loan, the lien will be removed. Keep making your payments on time and stay in communication with our helpful team if you have any issues or questions about payments. If you’re unable to pay and do not make alternative arrangements, there is a chance your vehicle could be repossessed. Indeed, in an Alabama title pawn loan, failure to pay and redeem within 30 days of the redemption due date will transfer title and ownership by operation of law.

You will need to bring the following information with you to apply for a Title Loan: a working home or cell number, both you and the vehicle must be present to apply, a non-expired, government issued ID, verifiable proof of income, and your clear title. easymoney does not accept titles marked as “salvaged” and you must be 19 years of age or older to apply for a Title Loan.

Communication is key. Before missing a payment, contact your lender to discuss your situation and to find out if there are other options available to you. Failure to communicate with your lender could potentially result in repossession and loss of your vehicle.

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Customer Notice: There are a wide variety of financial products available in the marketplace, so your choice should match your financial needs. Small-dollar loans used over a long period of time can be expensive.

Noticia al Consumidor: Existe una amplia variedad de productos financieros disponibles en el mercado, por lo que su elección debe coincidir con sus necesidades financieras. Los préstamos de poco dinero utilizados durante un largo período de tiempo pueden ser costosos.

Loan Products: Subject to state regulations, eligibility, credit check, underwriting & approval, and meeting state database eligibility where required, based on type of lending product requested. All products are not available at all locations. Rates, terms and conditions apply. See associate for details. Lending decisions and funding times subject to system limitations. Some applications may require additional verification, which can delay the lending decision.

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Alabama: Minimum age to apply in Alabama is 19. Title loan amount determined by condition of vehicle and borrower's income. Not all clients or vehicles qualify. Title loans are made under the Alabama Pawnshop Act, Ala. Code 5-19A-1 et seq.

Tennessee: The State of Tennessee requires a minimum principal reduction on Line of Credit Products. In order to comply with the minimum state-required principal reduction, easymoney requires that minimum payments include a principal reduction of 2% for Customers who get paid bi-weekly/twice-a-month, or 4% for Customers who get paid monthly.

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