Check City Title Loans offer a fast and easy way to borrow against the value of your car. They also let customers choose between a variety of payment options to make your life easier. But the best part is you get to keep driving your car!

Here are a few common questions you might have as a customer seeking a Check City Title Loan. Visit or call a nearby Check City store for more details.

What is a title loan?

A title loan is also known as a pink-slip loan, a title pledge, or a title pawn. It is a secure, short-term loan that you receive after giving a lender a lien on your car. 

This means that you offer the title of your car as collateral in case you fail to repay the loan. Once you have paid off the loan the lien is removed and your vehicle title is returned to you.

What is an installment title loan?

Normally, a title loan is a small, short-term loan that is paid and repaid in one lump sum. 

For customers who need a larger title loan or a longer repayment plan, Check City offers the Installment Title Loan. This loan option also uses the title of your car to qualify for the loan, but the repayment plan works in installments, allowing you to repay your loan over time. 

How do title loans work?

When you want to take out a title loan you'll first need to visit a Check City store with your car and the car's title. 

A Check City representative will then inspect your car and determine its value. This will help determine how much you are able to receive for your title loan. 

After the in-store application is complete, if approved, Check City will take out a lien on your car's title and you'll get your funds.

What is a lien?

A lien is a claim a lender is given over an asset or property, in case the loan or debt is not repaid. 

A lien allows a lender to become a temporary co-owner of the property or asset during the loan term and allows them the right to claim full ownership of the vehicle should the loan not be repaid. 

By taking out a title loan with Check City, consumers will be granting Check City a lien on their vehicle. Please contact a Check City Location in your area for additional information.

What are the rates and fees?

Title loan rates and fees are different depending on the state you're in. For your state's title loan rates and fees visit our Rates and Fees Page.

What do I need to bring?

  • Your vehicle and title. (Your title should have no other liens. If the title belongs to 2 people both need to be present. Rebuilt, restored, or salvaged titles can be accepted based on approval.)
  • Proof of vehicle registration
  • Proof of income (For example, a paystub, awards letter, bank statements, or tax return)
  • State or Federal ID 
  • Ability to repay

How much can I borrow?

How much a customer can borrow for a title loan is based on the state you're in. Please visit our Check City Rates and Fees Page for your state's specific title loan terms.

How much time do I have to pay back the loan?

Loan terms depend on the state you are in. For your state's available title loan terms, visit your state's Rates and Fees Page.

Could Check City take possession of my car if I fail to make my payments?

We do not want your vehicle, we want to make sure that you keep your car and have the ability to repay the loan. We do reserve the right to repossess the car in extreme cases of non payment on your loan.

Do I have to be a certain age?

You need to be at least 18 years old or older in order to take out a title loan.

What if the car is in my parent’s name?

The title needs to be in the applicant’s name. The vehicle title should also be clear and free of any liens. If there is more than one person on the title then both people need to be present to apply for the loan.

Can I refinance?

Refinancing is available for customers who qualify. After your first successful loan payment, you can refinance your loan anytime to access credit that is still available to you.

Can I make early payments?

Yes, customers have the option to make early payments. Customers can pay off the loan amount faster by paying early.

Can I make larger payments?

Yes, customers have the option to make larger payments in order to pay the loan off quicker. For payments that are larger than the scheduled amount due, the extra payment will be applied toward the principal loan amount.

Can I make partial payments?

Yes, customers have the option to make partial payments. Partial payments are first applied to the finance charge and then the principal loan amount. 

The due date will not be extended unless the entire finance charge and the entire principal amount have been paid. A partial payment can be accepted whether the customer is on time or late.

What happens if my payment is late or I fail to make a payment?

If a customer misses a payment or is late making a payment then Check City will work with the borrower to help them get back on track. Our friendly loan agents are eager to help our customers whenever they can. 

Check City may attempt to contact you using one or more authorized contact methods to arrange for payment. Authorized contact methods may include phone calls, emails, or text messages. 

Check City may charge you a fee pursuant to the terms of your loan agreement for late or failed payments. Please see your loan agreement for terms and conditions.