List of Car Title Lenders in Ohio

Instant Auto Title Loans

Short North615NHighStColumbus,OH43215(800) 210-079

Offer the vest service in the industry and claim that customers can receive pre-qualification on their application within 60 seconds of applying. They allow users to apply for a loan either on the phone or online. They also offer a loan calculator where you enter youpersonal information, the year, make, model, mileage, and status of your vehicle in order to get an estimate of what kind of loan you could receive.

Cleveland Car Title Loans

2075 W 25th St, Cleveland, OH 44113(440) 253-9943

This lender boasts law rates, same-day cash, and loans valued up to $50,000. They boast their ability to accept and approve borrowers despite bad credit. On their site, they say they approve title loans on cars, RVs, motorcycles, or boats. If you own one of those types of vehicles and have a photo ID, they claim that you are already as good as qualified. Borrowers can fill in information regarding their car such as year, make, model, style, and estimated mileage, in order to accept an estimate for the valueof their loan. You can visit there site here

Columbus Car Title Loans

Easton4449EastonWayColumbus,OH 43219
(877) 931-1224

Located in the center of Columbus, Columbus Car Title Loans offers short-term collateral loans. In order to take out a car title loan here, borrowers must be 18 years or older, must be able to present the car’s original title that is free of liens, must have a car that is under 15 years old, and must have the car in good condition. They state that there can be no extensive body damage and no characteristics that could disqualify the car from the loan.

Auto Cash UA

3588 S High St, Columbus, OH 43207(614) 409-9267

Auto Cash USA offers fast cash in exchange for customer’s car titles. They offer competitive rates, approved loans and cash in hand with 30 minutes, and excellent customer service. In order to apply, customers must fill out a loan inquiry form, hop on the phone to speak with a lender representative, and apply for the loan, It is an easy and straightforward process. This is their website

Loan Cheetah -Ohio

One of the most popular car title loan companies in America, Loan Cheetah offers car title loans to Ohioresidents within 24 hours of applying. On their website, Loan Cheetah boasts cash in as little as 24 hours, competitive and low interest rates, installment based repayment plans that allow borrowers to pay over time, flexible repayment options, zero pre-payment penalties, and on-call support for borrowers.

Ohio Auto Loan Services

Southside3588SHighStColumbus,OH43207(380) 867-1556

Do not supply a website, so it seems these title loans are only available by phone. That being said, they seem to be one of the more experienced companies in the state and offer competitive interest rates. They offer fast approval, top of the line service,and make it their priority that you get the money you need and get to keep your car by the end of your loan. This is their website

Title Loans Columbus

DowntownColumbus,OH43215(614) 328-8196

This title lender is located in downtown Columbus. They accept applications over the phone and will walk you through filling out the application form. They offer cash in return for your car title and promise for a quick and easy application process.

Lorain Car Title Loans

1980 Cooper Foster Park Rd, Lorain, OH 44053(440) 787-2128

This small-town lender offers unmatched interest rates and longer loan periods. –in factthey offer loan periods up to 42 months. They also offer home visits if you are unable to travel to one of their Ohio locations. On their site they claim that they accept bad credit and are happy to offer title loans on RVs, cars, motorcycles, and boats. In order to take out a car title loan with Lorain Car Title Loans, applications must provide their car title, a photo ID, and that’s it.

Title Plan

Rather than a direct lender, this indirect lender can connect you with online direct lenders from the comfort of your home. They operate in Ohio and are able to help you source a loan today.

Title Loans Ohio

This is one of the most extensive tilte lenders in the state of Ohio. Title Loans Ohio operates in major Ohio cities such as Akron, Bowling Green, Canton, Cincinatti, Cleveland, Columbus, Kettering, Lorain, Toledo, Westlake, and more. On their site, Title Loans Ohio state that customers can apply on the phone, through email, or online. On top of that, if an applicant lives in Toledo, Columbus, Cleveland, or Cincinnati, they are already pre-approved as long as they own their car in full. Find your nearest Title Plan store here.

Title Loan Fast

This Ohio title lender allows applicants to apply online and get an instant email quote. In order to do so, they ask for personal information as well as information regarding the applicant’s vehicle such as year, make model, style, and the loan amount they are seeking. They allow multiple options when it comes to paying back loans. The forms of payments they accept include credit card or debit card payments, money orders or cashier’s checks, and a Western Union Quick Collect.

American Title Loans –Ohio

3713 Belcome Ave,Youngstown, OH 44505330-707-4225

One of the most popular title lending companies in the country, American Title Loans offers quick loan estimates for prospective borrowers. Their Ohio location is location in Youngstown, Ohio. In order to get an estimate, applicants must share somepersonal information, as well as information regarding their car such as year, make, model, time, and mileage.

Refinance a Title Loan in Ohio

For many Ohio, an Ohio car title loan can provide much-needed financial relief during a time of uncertainty and financial difficulty. But when your title loan becomes a reason for your financial hardship, you may be wondering what your options are. One option that many decide to take is to refinance a title loan. 

One of the main reasons why car title loans can offer relief to so many is because typically car title loans can be taken out within 24 hours of applications regardless of a customer’s credit score and history. While it often takes several days or more to take out a more traditional personal loan from a bank, a title loan can be approved and borrowers can have their loan funded with 24 hours, and hour, even 30 minutes!

While title loans are quite easy to take out, they are sometimes harder to pay off. Title loans often come with high interest rates, and because they are short-term loans (typically with a payment term of 30 days or less), but that can also get some customers in trouble. This is especially true if you find out that you are not going to be able to pay off your title loan by the end of your payment term.

The scariest outcome of a car title loan is that your lender is forced to repossess your car in order to recoup their losses. No one wants that, however. Not your lender, and especially not you.

So, what are your main options when it comes to getting title loan relief? 

If you have taken out a title loan and are saying to yourself, “I can’t pay my title loan,” and are asking yourself, “Can you refinance a title loan,” have no fear. The answer is yes! 

The way this works is when you are able to find a loan with a lower, fixed interest rate. You’ll still owe the same amount of money you owed on your title loan, possibly more, but it will not balloon and grow the way that your title loan was doing on account of its high interest rates.

Can I refinance a title loan?

To refinance a title loan basically means replacing it with another loan, or taking out a different loan to pay off the original loan.

Target a fixed-rate loan from a bank, credit union, or online lender first. You can also use a convenience check from your credit card if you are positive you’ll be able to pay it off in time before the promotional period ends.

If you find yourself running into roadblocks by seeking out loans from those types of establishments, consider visiting small local banks and credit unions. You may have a better chance of getting approved at places like that.

As a final resort, consider seeking out a peer-to-peer loan, or even asking someone you know to co-sign on a loan with you to help you get approved. Just make sure that they know what they are financially and legally responsible for when they agree to be your co-signer.

Another option you have when it comes to title loan relief in Ohio is asking your lender to roll over your loan.

One simple way to get momentary relief from your title loan is to roll over your loan and its payment term. That means that you will simply elect to get another payment term from your lender. Often, there are stipulations to when you are able to do this. Often, in order to roll over your loan, you will have had to pay a certain percentage of your loan’s principle amount. If you haven’t done that, this may not be an option to you.

It is important to know what else comes with rolling over your title loan. Taking another payment term to pay your loan means accruing another month’s worth of debt. If you truly believe you will be able to pay off your loan thanks to an added payment term, then rolling over your term could be a great option. If you are, however, just delaying what feels like an inevitable default on your loan, it is best not to roll over your loan. That’s because you will simply be accruing more interest and added fees while you tread water.

Car title loans in Dayton, Ohio are great if your treat them responsibly.

If you are unable to pay back your loan by the end of your payment term, it is good to know what options are available to you.

Refinancing a title loan can be a great way to both buy yourself some extra time, and try to find better terms, better rates, and even a better loan. What’s important is that you stay ahead of your repayment term. If you should default on your existing title loan, refinancing your title loan will become much harder. 

Good luck!