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Lien Title Loans

Any Year, Make or Model

You could get the funds you need regardless of your vehicle.

30 Minutes or Less

From application to inspection the process is quick. Customers can complete the process and have their cash in as little as 30 minutes.

Most Credit Types Welcome

A title-secured loan could be a solution for you even if you don’t have perfect credit because your vehicle acts as collateral to secure the loan.

How Do 1st Lien Title Loans Work?

The process varies depending on where you live. But no matter where you live, getting a 1st lien title loan with InstaLoan is insta easy!

How it Works in Florida

  1. Find Out How Much You Could Get: Complete a simple online form to see how much you could be eligible to borrow based on the value of your vehicle.

  2. Complete a Credit Application: Visit an InstaLoan store to complete an application.

  3. Appraise Your Vehicle: We’ll take some pictures and do a quick appraisal on your car based on the current condition, mileage, year, make and model.

  4. Get Your Cash: If approved, select how much cash you would like to borrow (up to your approval amount), review and sign your loan agreement, and leave driving your car.

1st Lien Title-Secured Loans

Up to $3,500

  • Use your car title as collateral.

  • Must have a free & clear title.

  • Get cash & keep your car.

What is a 2nd-lien loan?

A 2nd-lien loan is another type of title-secured loan. The main difference between a 1st-lien and a 2nd-lien loan is whether or not you own the vehicle. If you are still making payment on your car, then you can still apply for a 2nd-lien loan.

2nd Lien Title-Secured Loans

Up to $2,000

  • Use your car title as collateral.

  • Still paying on your vehicle? No problem. No clear title needed.

  • Get cash & keep your car

Title Loan Help

What if I have bad credit?

InstaLoan could be an option to get cash even if you don’t have the best credit history. InstaLoan will work with you to determine the amount of cash you could receive based on the value of your vehicle and your cash need. Your credit score only plays a small factor in the approval process when getting a 1st lien title-secured loan.

What do I need to apply?

To apply for a title loan, you will need a vehicle with its title and a valid government-issued ID.

Do I need to have a free and clear title to get approved?

For a 1st lien title secured loan, yes. But, InstaLoan offers both 1st lien and 2nd lien title loans. We have options, even if you are still making payments on your car.

Do I get to keep my car while I have a title loan?

Yes, you get to keep driving your car. Your vehicle remains in your possession while you pay back your loan.