• Have cash in hand in under 24 hours
  • Borrow up to $50,000
  • Bad Credit - OK
  • Low and competitive rates

See how much you can borrow today

  • Free and fast estimate process
  • Discover loan amount right away

All information provided is secure and confidential. By submitting your information you agree to the terms of our Privacy Policy, Terms & Conditions, and E-Consent

How does the process work?

step 1

Apply today

Complete some basic information about your car to get the process started. It takes less than 2 minutes.

You have up to a 95% chance of getting approved for a loan.
step 2

Get your
vehicle qualified

We verify the information you have given us.

step 3

Send supporting

Your ID or driver license, proof of income (min $1500/mo) and your car title.

Get loan approval in less than 15 minutes
step 4

Cash in hand

Receive the money by cash, check, or deposit. It’s fast and takes about 1 hour.

Why you should get a title loan with The Net Lender:

Have cash in your hand in under 24 hours.

Get approved for a loan in less than 15 minutes by calling 888-663-7074 or apply online.

Low and competitive rates.

The interest rate lowers every month, once you make a monthly payment.

Keep driving your car once you get your cash.

You’ll keep driving your car and receive your title back once your last payment has been completed.

Nationwide Coverage

We service the majority of cities and states in the US from coast to coast to make things as convenient for you as possible.

Bad credit - OK

You don’t need to have a good credit to get a car title loan.

Highly flexible loan terms.

Choose how long your loan term is. Find a plan that fits your needs.

What are the requirements to get a title loan?

1. Title of your vehicle

The title must be under your name and the vehicle must be lien-free.

2. Your driver license

You'll need a form of identification.

3. Proof of Insurance

You will need proof of insurance and registration on your vehicle.

4. Must be 18 or older

You must be 18 or older to apply for a title loan.

5. The vehicle

You must have the vehicle and you must provide proof of ownership.

6. Proof of income

You must have proof of income at least $1500 a month.

What our customers say about us:

Very helpful place

This place was honest and answered all of my questions without hesitation. Super nice staff and great rates on their title loans.

Highly recommend them if you need a loan and happen to own your car too.

- Vanessa
I highly recommend this company.

I was in desperate need of cash. I had some financial problems that I won’t get into…life happens. I called around a few places and was not getting much help and decided to call The Net Lender. I had a professional staff person explain the process and got a loan on my car the same day.

- Andy Jones
Restored My Faith in Loan Agencies

I am the head of the household and I know that pressure one can get from bills and discrepancies in your credit. I used my car I bought before I got married and it turned out to be  such a lifesaver for me. I took out about half of what I was offered and wasn’t pressured any further. Thank you and hopefully my car will be eligible again if need be.

- Jeremiah Lutes
Highly Recommended by My Neighbors
I came in directly after my work shift and was worried due to the time restraints to get my loan processed in time. Everything went smoothly and quickly but most importantly, efficiently. Very friendly staff. I would recommend TNL for any person needing money quick.
- Jill Banner
Very Helpful Establishment

Getting a title loan was significantly easier than I anticipated. Bryan was really knowledgeable and walked me through the method with ease. If I’m ever in a tough position again, I’m confident that they may be able to help me out! Incredibly nice and very helpful!

- Kim Redding
Got a Nice Amount for My 4×4
Fantastic service, with efficient and knowledgeable employees. I was in and out in no time, with just what I required. Would undoubtedly suggest and use again.
- Rick G

Fast Title Loans, Get Cash Today

Fast Title Loans, Get Cash Today

The Net Lender is a premiere car title loan company that has helped many residents get the fast cash they need, regardless of why they need it. Our reliable car title loans are based on the equity of your vehicle and approval can be determined in as little as 15 minutes.

Our title loan application process is hassle-free. Even if you have less than perfect credit, it is still possible to obtain a loan with us. We simply use the equity of your vehicle to determine if you qualify for a car title loan. We use a quick but efficient process so you can get the money quickly without the frustration or stress.

Regardless of why you need cash, if you’re in an emergency or dire situation we encourage you to consider a car title loan. We can help you find the perfect loan thanks to our superior lending network. You can read our FAQ page to find answers to common questions we receive or learn more about how title loans work by reading below.

Do You Have Poor Credit?

Do You Have Poor Credit?

Car title loans are ideal if you have poor credit and can’t seem to get a traditional bank loan which is harder to obtain. While we do have certain requirements, they are far less than what a traditional bank would require. Your vehicle is how you obtain a car title loan so if it meets the requirements you can have cash in your hand within 24 hours.

Your Loan Amount Is Based On:

Your Loan Amount Is Based On:

  • Vehicle mileage
  • Automobile age
  • Car condition (body and mechanical)
  • Current resale values

You can borrow as much as 50,000 dollars. employs helpful and knowledgeable staff so if you have any questions, do not hesitate to get in touch with us.

Find Out In Minutes If You’re Approved!

Find Out In Minutes If You’re Approved!

The cash that you’re looking for is just a click away. If you own a car that is paid off, a title loan can be extremely helpful in getting you the cash you need. Your interest rates will also be much lower with a title loan versus a payday loan. What this means is that even if you have bad or no credit we are usually the go-to lender that people turn to in order to get the cash that they need. It only takes minutes to find out if you qualify; find the nearest location or apply online today!

What can you expect when you call us? We believe in taking a no-pressure, no-hassle sales approach to every customer interaction, so do not expect a pushy person to pressure you into something you’re not ready for. We look forward to helping all our customers find their best financial solution.

TNL Car Title Loans: Easy, Fast, and Convenient Loans


What Are Car Title Loans? How Do Car Title Loans Work?

Car title loans are secured loans, which use your vehicle to back the loan. In the case of a car title loan, customers borrow against the value of their vehicle. This means that lenders will use your car’s value to determine your loan amount. For example, if your vehicle’s current market value is $6,000, then your loan amount can be up to $6,000. Borrowers can still keep their car for personal use, but will need to transfer the vehicle title to the lender in order to back their loan. Should a borrower default on the loan and is unable to repay the loan in full, vehicle ownership will be transferred to the lender to cover the debt. However, when the loan is paid off, the lender will transfer the title back to the borrower’s name.  


Why TNL Car Title Loans Is More Reliable Than The Bank

Car title loans are one of the best alternative loans you can get when you don’t meet the typical loan requirements at a bank or larger financial institution. Banks have a longer loan approval process along with stricter conditions, which, unfortunately, remove a desperately needed financial solution for many people. Emergencies, accidents, and a bad turn of events can happen to anyone, and when people are hit hard by life’s unpredictable events, banks are not a reliable source for immediate support. Urgent problems and emergencies require quick solutions and banks tend to have a slower process. When time is running against you, banks will not be able to give you the support you need. However, alternative lenders such as TNL Car Title Loans offer quick financial solutions for borrowers under a time constraint. With no time to waste, TNL Car Title Loans cuts down loan approval time to less than 15 minutes. That means you can get approved for your loan fast and be on your way to getting things done. Even customers with bad credit scores can be approved for a car title loan should their vehicle qualify.


  Car title loans are an ideal option for people who:

  • need to get cash in less than 48 hours
  • need an urgent loan to pay for an emergency such as surgery, hospital bills, funeral expenses, house repair, utility bills, school tuition, etc.
  • have a low, poor, or no credit score
  • have credit card debt
  • need to build their credit
  • are unable to get approved by banks in time
  • are repeatedly turned down by the banks
  • own a vehicle and need to take out a loan


How Much Money Can I Get?

The amount of money you can receive from a car title loan is entirely dependent on the value of your vehicle. If your car’s current market value is $50,000 you will be able to get a loan up to $50,000. Vehicles that are newer than 1999 will typically receive a higher loan amount. 


What Are The Eligibility Requirements?

With a car title loan, your eligibility for your loan is based entirely on your vehicle value. You can get an estimate for your vehicle value right away by filling out this form or by calling 888-663-7074. In addition, if your vehicle has enough value, you can be approved for a loan even with a bad credit score. This is one of the main benefits of a car title loan: you won’t need to worry about being disqualified because of your credit score. However, to be eligible, you will need to meet the following requirements:


  • Must be 18 years or older
  • Must have proof of income of at least $1,500 a month
  • Vehicle must have insurance and registration
  • Must own the vehicle with no car payments
  • Must have the vehicle title or pink slip


What If I Have Bad Credit?

A poor credit score will not affect your eligibility for a car title loan. Instead, to qualify for a car title loan, you will need a car that carries enough value to back your loan. So even if you have bad credit, poor payment history, or credit card debt, you can still be approved for a car title loan if your car qualifies for your loan. In fact, car title loans can be helpful for the borrower who needs to rebuild their credit. When a borrower consistently makes payments on time in the right amount, a car title loan can help build up the borrower’s credit score since TNL Car Title Loans reports to the three large credit bureaus. 


What Can I Use The Loan For?

When you get a car title loan with TNL Car Title Loans, you’ll be able to use your loan for anything you need. Whether it’s to cover the costs of an emergency home repair or the costs of your utility bills, TNL Car Title Loans can help you with your financial situation.


How Fast Can I Receive Money?

Our customers have been able to receive their loan in as little as 24 hours. To expedite your process, we highly recommend our customers prepare the appropriate documents and paperwork in advance. This will cut down your processing time and help you receive your loan faster. 


How Many Steps Are There To Get My Loan? 

Getting your loan is as simple as 3 easy steps.

1.  Apply online or call us at 888-663-7074. Right away, a loan officer will help you determine if your car is eligible for your loan and will tell you your loan amount.

2. Turn in your paperwork and documents. Once approved for the loan, you will need to turn in the appropriate paperwork and documents required in order to process your loan. This includes:


  • a copy of your ID or driver’s license
  • proof of income of at least $1500 a month or pay stubs
  • Your car title or pink slip (this will be required for your loan)


We highly recommend preparing your paperwork and getting your documents in order as you apply. The faster you are able to provide your paperwork and documents, the faster you will be able to receive your loan. Your loan officer will also discuss and schedule a repayment plan to your fitting and help you decide how flexible your term is. Repayment plans can be anywhere from a few months to 36 months depending on how you want to repay your loan. You can pay off your loan as early as you’d like with no prepayment penalties. We encourage our customers to take this route in order to save money and avoid interest payments.

3. Choose how you want to receive your loan. You can choose if you want to receive your loan by check or deposit into your account. You’ll also be able to access your money through any MoneyGram location, which can be found in stores such as Walmart and CVS.


How Does Repayment Work?

Your repayment plan will be determined by you and your loan officer. Payment plans can be as flexible as a few months long to a 36-month term. Paying off your loan early is highly encouraged since there are no prepayment penalties and will help you avoid the risk of defaulting on your loan.