Title Loans at ACE Cash Express
Applying for a loan at ACE does not affect your FICO® Score.†
Title Loans: Apply In-Store Today
ACE Cash Express offers title loans in select states, including Arizona, Louisiana, Oregon, and Texas (not offered in Austin, Dallas, or Fort Worth). To see which stores do offer title loans in Texas, enter your zip code in the store locator and check to see which products are offered at various stores near you.
We only offer title loans in select stores, and the application process is simple. If approved, you can use your vehicle title as collateral to borrow funds – without giving up your car.1
What Is a Title Loan?
A title loan is a type of secured loan in which a vehicle title serves as collateral for the loan amount. The lender keeps the vehicle’s title until you repay the loan. You can use various types of vehicles, including cars, trucks, and motorcycles to secure the loan.
If you are approved for a title loan at ACE, you receive cash on the spot. The availability of a loan and the loan amount offered varies for each state where ACE offers title loans. Title loans are not available in every state.1
What Do I Need to Apply for a Title Loan?
To apply for a title loan in-store, you will need the following:
Name, address, and phone number
Clear title in your name, or – if applying for a title registration installment loan2 in AZ – a valid vehicle registration in your name
Valid, government-issued photo ID
Proof of a steady source of recurring income, such as employment, disability, retirement, self-employment, or other income source
Proof of an active bank account that has been open for at least one month, if you are an Arizona resident applying for a title registration installment loan2
How Do I Apply for a Title Loan at ACE?
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Use the Store Locator to find an ACE location near you that offers title loans.
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Visit an ACE Cash Express location to apply in person.
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Be sure to bring the items in the bulleted list above based on the title loan for which you are applying.
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If your title has two names on it, both people must be present in the store to complete the process.
Does the Value of My Vehicle Affect the Loan Amount?
When you apply for a title loan, the value of your vehicle and your income are assessed to determine the amount you may be eligible to borrow based on our standard underwriting criteria.1 Maximum loan amounts vary by state (see above), so there are also caps on what you can borrow, if approved. Bring your vehicle to one of our locations where title loans are offered with the materials listed above and we’ll get your application started!
Why Choose ACE
A title loan at ACE has many benefits:
Fast application process
Instant loan decision
You get to keep driving your car
Cash on the spot,1 if approved
Does ACE Offer Other Short-Term Loans?
Yes! ACE also offers payday loans and installment loans in select states. In Arizona, in addition to offering title loans, we offer title registration installment loans. The main benefit of a title registration installment loan is that this type of loan gives consumers more time to pay it off.2
Title Loans FAQs
Your vehicle does need to be paid off for a title loan. Your vehicle does not need to be paid off for a title registration installment loan in Arizona.2
Titles with two or more names are accepted, but all people must be present in the store to complete the title loan application process.
In all states, you must be at least 18 years of age to apply for a title loan.
Every ACE loan comes with a 72-hour satisfaction guarantee. To cancel the loan, you must return the proceeds from your loan to the store where your loan was originated within 72 hours of receiving your loan. Depending on your state, you may also be required to sign a cancellation notice that was provided to you at the time of approval.
