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Frequently Asked Questions (FAQs)

Q: What is a Car Title loan?

A: A Car Title Loan is a personal loan that is secured by the equity in the borrower’s vehicle. The loan amount is based upon the vehicle’s value and the borrower’s ability to repay. The borrower gets to keep driving the car while the loan is outstanding.

Q: How long have you been in business?

A: We have been in business since 2001 and have helped thousands of customers get cash when they needed it most. We have offered some of the lowest rates and payments in the industry for over 15 years.

Q: How can a Car Title Loan help my credit? Do you report to the credit bureaus?

A: We report to the major credit reporting agencies. Making payments on time can improve your credit score because credit scores are heavily weighted towards current accounts. This loan may help you to raise your credit score and obtain new credit in the future.

Q: Are you a licensed lender?

A: Yes. We are fully licensed or registered and in good standing in every state in which we lend.

Q: Is there a penalty to pay off my loan early?

A: No. There is no penalty to pay off your loan early. In fact, paying off your loan early will reduce the interest paid on your loan.

Q: What do I need in order to get approved for a Car Title Loan?

A: You need a car that meets the minimum value requirement and the ability and willingness to pay back the loan.

Q: Does my car need to be paid off?

A: No. Many people who have a few payments left on their car loan still qualify. Best of all, we offer some of the most competitive rates in the industry and flexible payment terms.

Q: Can you help if I already have a title loan with another company?

A: Yes. We offer some of the most competitive rates in the industry and flexible payment terms. We can often pay off your existing car title loan to lower your monthly payment and save you money.

Q: Do I need to be currently employed?

A: No, but we do need to know that you have the ability to make payments. This means you need some sort of income that you can prove.

Q: Is it possible to have a co-signer on my car title loan?

A: Yes. You can have a co-signer on your car title loan. The co-signer will need to sign a credit application and provide identification, proof of residence, and proof of income. We keep all non-public personal data private and will not let the borrower see the co-signer’s data and vice versa.

Q: How much does my car have to be worth?

A: The car needs to be worth more than the amount of money you borrow. It takes only a few minutes to find out how much you can borrow, and there is no charge and no obligation to find out.

Q: What is the minimum Car Title loan amount?


  • Arizona – $2,000
  • California – $2,510
  • Georgia – $3,010
  • Missouri – $2,000
  • New Mexico – $2,510
  • South Carolina – $2,000
  • Utah- $2,000
  • Idaho – $2,000

Q: What can I do with the money I borrow?

A: Anything you want. There are no restrictions on how you use your money. We always suggest that you use the money you borrow responsibly because you are obligated to pay it back.

Q: How fast will I get my money?

A: Depending on how fast you supply us the documentation, we will process all documents and approved your loan as fast as possible. You will get you cash in your hands fast.

Q: When is my first payment due?

A: Your first payment is due 30 days after you receive the money.

Q: Who backs Wilshire Consumer Credit?

A: Wilshire Consumer Credit is financially backed by Westlake Financial Services, a leader in indirect automotive finance. Westlake has over 25 years of experience and operates nationwide. To learn more about Westlake Financial, go to

Q: Can I get a car title loan if someone else’s name is on the title with mine?

A: Yes. We can offer a loan if more than one name is on the vehicle’s title.

Q: Can I get a car title loan if I cannot find the title to my car?

A: Yes. We can offer a loan if you have lost or misplaced the vehicle’s title.

Q: Do I get to drive my car while the loan is outstanding?

A: Absolutely! One of the benefits of a car title loan is that you can keep driving your car while the loan is outstanding.

Q: How do I get my title back after I have paid off the loan?

A: We will release our lien on the vehicle after you have paid off your loan. The title will be returned to you in accordance with the requirements of your state’s Department of Motor Vehicles (or similar agency).

Q: I’m not comfortable providing my social security number online. What should I do?

A: Since our application is secure (, you should not be concerned about any information you enter on your application. However, we understand that some people may be uncomfortable providing sensitive information on the web. If you do not wish to provide this information online, simply call us at (877) 512-3889 to submit an application over the phone.

Q: What is the cost of my credit going to be?

A: Our interest rates vary depending on the state of residency of the borrower, creditworthiness, collateral, and terms agreed to. Our annual interest rates vary between 35.50% and 199.99%. For a typical loan of $4,000 with an 80% APR and a 24 month term, the payment is $338.61 and the total scheduled interest is $4,126.87. The interest collected on the loan may vary depending upon the timing of the payments made.

For Utah residents only please click here to see our Utah Fee Schedule.

For Missouri residents only please click here to see out Missouri Fee Schedule.

For any customer service related questions please head over to My Account.