The short answer: you borrow against your vehicle with a car title loan (a form of auto equity lending). You pledge your clear title as collateral, the lender values your car, and you receive cash based on its equity — all while you keep driving.
Step 1: Estimate Your Equity
Equity is your vehicle’s value minus anything you still owe on it. If your car is paid off, the full value is equity. You can get a rough idea from resources like Kelley Blue Book or NADA, and we confirm the figure with Black Book data during the appraisal.
Step 2: Apply Online or by Phone
Fill out our short form with your vehicle’s year, make, model and mileage, plus your contact details, and get an instant estimate. No appointment is needed to start.
Step 3: Quick Appraisal and Verification
We value your vehicle and confirm your income and title. A local specialist reviews clear terms with you, usually within about 15 minutes.
Step 4: Get Your Cash — and Keep Driving
Sign your agreement, hand over the title, and collect your funds — often the same day. You drive your car throughout the loan, and your title returns to you when it is repaid. Ready? See the requirements or learn how using your car as collateral works.