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What does Mid-South Title Loans do?

Mid-South Title Loans provides a fast and easy way for individuals in and around Memphis, Tennessee to obtain quick cash using their car titles as collateral. Offering a hassle-free application process and same-day approvals, we help customers get the cash they need, when they need it. Our loans are also no-strings-attached, meaning that you are free to use your loan money however you see fit.

How does a title loan work?

  • Bring your drivable vehicle, a title that is free and clear of liens, and your photo ID to one of our three Memphis locations.
  • Fill out our simple application while we perform a quick inspection of your vehicle.
  • Upon approval of your loan application, we will create a Title Loan based on your vehicle’s value, your cash needs, and your ability to repay.
  • Title loans are designed to be short term loans, and are based on a 30 day renewable contract. You have the option of either renewing your contract for an additional 30 days, contingent upon your payment of the interest due, or you may pay your account in full.
  • Your vehicle title will be promptly returned to you once your account has been paid in full.

You will receive your title back once you have paid your account in full.

Who can use title loans?

Virtually anyone can use a title loan. Our customers use Title Loans to cover a broad spectrum of expenses, including unexpected household and automotive repairs, employee payroll needs, college tuition and fees, medical payments, relocation costs, and routine living expenditures between paychecks. We place absolutely no restrictions on how you utilize your loan, so whatever financial obligations you’re facing, a title loan is a quick and convenient way to obtain the cash you need.

How soon can I get the loan?

We understand the immense stress that can accompany dealing with an unexpected expense. We thus place high priority on time efficiency, which translates to same-day loans for our customers. You can obtain your title loan in as little as 20 minutes from the time you walk in our door. Our application process and vehicle evaluation are fast and painless, and upon approval you can drive away with your cash—and in your own vehicle.

What are the requirements for a title loan?

The only requirements to apply for a title loan are a drivable vehicle for evaluation, a lien-free title, and a form of photo ID.

What is a vehicle lien?

A vehicle lien is a lending institution’s rights to a vehicle that has yet to be paid for in full. For example, if you have financed your vehicle and are still in the process of paying it off, another financial institution (such as a bank or loan company) has a lien on your vehicle. If your title has a lien, it cannot be used to obtain a title loan.

Is my information kept confidential?

The privacy of our customers is a matter of utmost importance to us. Your personal information will never be distributed or sold to another party, either via phone or in person.

What happens to my vehicle?

While we retain your vehicle’s title for the duration of your loan, the vehicle itself remains in your hands. You are free to use your vehicle just as you always have.

Does the car title have to be in my name?

Yes. The vehicle’s title must be in the name of the person receiving the title loan.

Is good credit required?

No. We strive to make the process of obtaining a title loan as easy as possible for each of our customers, new and returning. No credit check is required to apply, so your credit history will not impact your qualification for a convenient, confidential loan.

How old do I need to be?

You must be at least 18 years old to apply for a title loan.

How much money can I borrow?

Our loans typically range from $150 to $2,500. Your individual loan amount will be determined based on an evaluation of your vehicle, your cash needs, and your ability to repay the loan.

Can I get a loan if I don't have car insurance?

Yes.  Car insurance is not required to obtain a title loan.

Can I get a loan if my car is wrecked?

Yes. As long as your car is drivable, you are eligible for a loan.

Can I get a loan if I have a title from another state?

Yes.  We provide loans to customers holding titles originating across the Tri-State area and within 80 miles of any of our three Memphis-based locations.


What happens when I pay off the title loan?

Once your loan is fully repaid, your vehicle title will be promptly returned to you.


Have questions? Contact us today!

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Why Choose Mid-South Title Loans?

Mid-South Title Loans is your one-stop destination for quick and painless title loans. We have three convenient locations throughout the Memphis metro to serve our customers. When you choose to get a loan with Mid-South Title Loans, you’re not just getting the money you need – you’re getting peace of mind. Stop by any of our locations and see us today.