FAQ

ChoiceCash is focused on providing car title loans, which are also known as auto equity loans or pink slip loans. Thanks to our focus on just offering one product, we believe ChoiceCash is one of the most competitive online title loan offers available in the United States. All ChoiceCash loans are installment loans, allowing you flexible repayment terms to pay back your loan.

ChoiceCash is available in more than 20 states, including Alabama, California, Florida, and Texas to name a few. For the most up-to-date list, please refer to the map on our location page. We are continuously working on expanding the cities and states where ChoiceCash is available.

Absolutely! Simply fill out a small prequalification form and get started on the next steps.

Borrowers choose ChoiceCash Title Loans for a number of reasons, but some of the most notable are the benefits that come with the funds. Borrowers can have access to their funds in one business day and can expect to experience quality customer service throughout the entire process.¹

An auto title loan is a secured loan that uses the value of your car to get you funding. Since it is a secured loan, borrowers with higher valued collateral can potentially receive higher funding amounts by borrowing off of the value in their car, versus a traditional loan that relies on credit to secure larger sums of cash. Title loans can be a helpful financial solution in a multitude of ways, especially if you are a borrower in need of fast cash.

As a flexible loan with unique terms, a title loan can be the better option. Other alternatives like payday loans only offer small cash amounts and short repayment terms. In comparison, title loans can potentially offer higher funding amounts, and give you more time to repay your loan if needed.¹

If your credit is less than ideal, don’t worry. Credit is not the most important factor in the approval process with ChoiceCash Title Loans. Applicants from all credit histories can potentially be approved for a title loan!¹

The list of documents you’ll need to qualify is short. To be eligible for a title loan, you’ll need to submit these documents:

• Proof of Income
• Proof of Residency
• Government or State Issued ID
• Photos of the Vehicle
• Title to the Vehicle

The minimum requirements for a title loan are:

• Borrowers Must Be 18 Years of Age or Older
• Borrowers Will Need to Have a Title in Their Name
• Borrowers Must Provide Proof of Income or Alternative Income
• Collateral Must Have Market Value

Yes! Your Social Security, disability or retirement benefits can qualify as alternative proof of income for your loan.

One of the great conveniences of a ChoiceCash Title Loan is that qualified borrowers can get their funding in as little as one business day.¹

Responsible borrowers that make timely payments can keep driving their vehicle as they normally would! As opposed to a pawn loan, a vehicle title loan allows the borrower to maintain possession of the asset that is used to secure the loan.

Typically, you’ll be able to receive 25%-50% of your car’s equity if you qualify. Why not check out the title loan calculator and get a quote for your car?

Not necessarily. If you have a few payments left on a car that is financed, or you are close to the end of your existing loan term, you could still use your vehicle as collateral. If you have an existing title loan with another lender, you can apply for a title loan refinance with ChoiceCash to see if you qualify for a lower interest rate or monthly payment.¹

Yes, the title to your vehicle needs to be in your name. If it is not, you can transfer the title to your name at your closest DMV.

With ChoiceCash Title Loans, borrowers can expect access to some of the most competitive rates in the industry.

One of the biggest benefits of choosing ChoiceCash Loans is convenience. For borrowers, the process can be broken down into three simple steps:

1. Fill out a Loan Inquiry Online: The easiest way to get started for a loan is to go online and fill out a short prequalification questionnaire. This can take just five minutes to do!
2. Submit the Required Documents: These are likely things you already have laying around, and they can be submitted online via fax or email for your convenience.
3. Get Approved: Once you’ve got everything submitted, borrowers can get approved in just over thirty minutes!¹

After receiving approval for a loan, borrowers have a few different methods to pick from:

• Wire Transfer or Direct Deposit
• Debit Card deposit
• Pick up your funds at any participating Money Transfer Location nearby

Of course! Unlike other loans, your money is your own to spend once you’ve been approved.

You’ll only need a bank account if a Wire Transfer or Direct Deposit is your desired method to receive your funds. Otherwise, you won’t need to share account information or have a bank account at all.

ChoiceCash offers many convenient ways to make a payment, including making a payment online or over the phone using your bank account or card, or making a cash payment at participating money transfer locations. You can also sign up for free recurring payments.

The ChoiceCash loan is an installment loan, which means that payments are due monthly. Your first payment is typically due one month after the date of your loan contract. For example, if your loan has a date of July 5th, your first due date will be August 5th and your payment will be due on the 5th of each month thereafter (unless you request a due date change). Please make sure you carefully review your loan agreement which outlines your repayment schedule.

No, with ChoiceCash there is no pre-payment penalty. You are welcome to make larger payments than required, make extra payments, or fully pay-off your loan at any time!

You can access the secure portal to upload your documents by clicking here, or clicking on the “Document Upload” icon in the page navigation. You will need your application number to log on. Once you are logged on, please click on the upload icon next to the document type, and select the file you’d like to upload. Supported file types include image files (bmp, gif, jpg, tiff, png), PDF, text (doc, docx, txt), html and spreadsheets (xls, xlsx, csv).

If you are having issues with the document upload, please call us at 855-422-7402 during regular business hours.

If you anticipate not being able to make your payment by the due date, please contact us at your earliest convenience. ChoiceCash late payments may result in a late fee being assessed on your account. Please refer to the Federal Truth in Lending Act Disclosures in your loan agreement for details.