How Will a Title Loan Affect my Credit Score?

Let's get started

Get your cash today by filling out this form or for instant pre-approval call (855) 561-56262

  • 1
    Car Information
  • 2
    Your Information
  • 3
    Free Estimate

By tapping or clicking “Get Your Estimate”, you acknowledge and agree to the Terms of Use, FCRA Policy, Electronic Consent and Privacy Policy. You acknowledge and agree that you are providing express written consent for Tradition Media Group LLC to share information you've provided, and for TMG and/or up to six partners to contact you with marketing and other messages via email and/or at the phone number provided via automatic dialing systems, recurring autodialed and prerecorded calls, or SMS/MMS messages (charges may apply), even if my telephone number is listed on a Federal, State, or other jurisdiction Do-Not-Call list. You acknowledge that consent to these communications is not a condition to utilizing these services.

Are Loans, Debt management, or Credit Score enhancements on your mind?

Thank you!

Your application has been submitted.

For faster service call us now!


Next steps

Confirm there are no errors on your credit reports! Your credit score is not a factor but your information must be accurate.

Thanks for Applying

Congrats! We received your application. You might need car insurance for your loan. Click here to compare rates.

Click to Find Insurance

* Clicking the button will direct you to our partner for Car Insurance.

Application Submitted

While we process your info we recommend also applying for a personal loan or credit card to get more money!

Click Here

* Clicking the button will direct you to our partner for Personal Loan or Credit Card Offer.

Thanks For Applying!

We don't offer title loans in your state might be able to help with a personal loan or credit card.

Click Here

* Clicking the button will direct you to our partner for Personal Loan or Credit Card Offer.

Thanks For Applying!

We got your application. If you need immediate cash try a personal loan or credit card offer and we will call you 1st thing in the morning.

Click Here

* Clicking the button will direct you to our partner for Personal Loan or Credit Card Offer.

Thanks For Applying!

We have found a great match for Car Financing!

Get My Financing

* Clicking the button will direct you to our partner for Car Financing.

Thanks For Applying!

We have found a great re-financing match with CarZing!

Get My Financing

* Clicking the button will direct you to our partner for Car Refinancing.


Want to know how much your payments will be? Use our title loan calculator to find out.

Max Cash Calculator
Big Phone Icon - Transparent and Black

Instant Pre-Approvals

Call us anytime seven days a week for instant pre-approvals! 2

(855) 561-5626

At times, it can feel like your credit score has a momentous impact on so many aspects of your life. If you are considering getting an online title loan, it’s a great idea to understand exactly how that title loan might affect your credit score!

You deserve financial peace of mind when it comes to your credit score and Max Cash® Title Loans would like to help you obtain that when deciding whether you would benefit from an auto title loan.

What Are Title Loans? 

A title loan is a kind of loan that uses some form of collateral to secure the loan. The collateral used most often is the equity of one’s car. The use of the equity value in your car as security for a loan is what makes car title loans very quick and easy financing options compared to other lending products. 

Car title loans can be good options for individuals who need money quickly and may have limited options when it comes to unsecured loans, which are notoriously hard to be approved for.

How Does the Credit Score System Work? 

The FICO Credit Score system can be confusing for many, but it serves a very specific purpose for individuals and American financial institutions alike.

If your credit history is not where you want it to be, take a look at how it is calculated:

  1. 35% is your payment history
  2. 30% is your credit utilization
  3. 15% is the age of your credit
  4. 10% is your recent credit inquiries
  5. 10% is the variety of your credit

In short, every single time that you borrow money from a financial institution- whether that be a credit card company, a bank, or an auto title loan lender-it will show up on your credit score and have the ability to impact it either negatively or positively.

Can I Get a Title Loan with Poor Credit?

Your credit score is often used as a way to give security to a lender who is considering approving you for a loan. A higher credit score minimizes the risk for the institution lending you money. However, with title loans, it is possible to be approved even with poor credit because they are secured through other means outside your credit rating.

Title loans are a secured loan that uses the equity in your personal vehicle as collateral for the loan. The use of collateral minimizes the risk to lend to a borrower without a strong credit history.

Can a Title Loan Affect my Credit Score?

In any circumstance where you are opening a new line of credit, obtaining a new loan, or entering into a new lease agreement, there is a risk of your credit score being damaged if you do not make the necessary payments. If a title loan is not paid on time, your credit history could reflect that.

Payment history is 35% of credit score calculation. If you do not make all your monthly payments on time to your car title loan, it could affect your credit score. 

Max Cash Title Loans is committed to helping you get affordable monthly payments and competitive interest rates. That way it is easier to avoid late payments or defaulting on your loan. Additionally, automatic payments can keep your credit score in the best shape possible. 

Can a Title Loan Help my Credit Score?

Getting approved for an auto title loan could automatically give your credit score a little boost. 10% of how a credit score is calculated is through credit variety/diversity. Additionally, consistently making all of your monthly payments on time could help your credit score increase slowly over the months you have your title loan. This can make it easier to access a wider variety of financial opportunities in the future. 

If you want to utilize a title loan to improve your credit score, you will need to budget carefully. You could also pay it off early to give your FICO report a further boost.

If you are diligent and fiscally responsible, there is no reason why a title loan could not end up helping your credit score in the long run!

Max Cash Title Loans Helps Find a Title Loan Right for You and Your Credit

It’s normal to worry about your credit score, especially if you want to apply for a title loan. However, Max Cash Title Loans is here to help you each step of the way. 

Max Cash Title Loans understands all the ins and outs of the title loan industry. This includes how these kinds of loans might impact consumers credit scores. We make it a priority to find a loan that works for you and your needs.

Our top priority is working for you, not the lender! And that is why, with Max Cash Title Loans, you can always expect customer-focused benefits that you can rely on:

Poor Credit OK

Max Cash Title Loans can help you find a title loan right for you! Even if a borrower has a poor credit or a past bankruptcy, they may still meet the criteria for a car title loan.

Competitive Rates4

We work diligently with credited lenders to get you competitive rates that won’t take you by surprise. We do our best to ensure you get the best deal possible with a reliable lender.

Convenient Terms5

To improve your credit score with a title loan, you need to make your payments on time. However, the easiest way to do that is with terms that work well for you. With our help, you can work out a payment plan with your direct lender to fit your budget needs.

Free Service

Max Cash Title Loans services are completely free of charge. Yes, you heard that right! Max Cash Title Loans is completely free. We can help you find the title loan and lender right for your needs at no extra cost to you!
Find out if you qualify by filling out the online inquiry form now!