Online Car Title Loans Las Vegas, NV

Everyone faces financial problems at some point in their life.

When life throws you something unexpected or you find yourself facing an emergency or something that causes you to miss working, a car title loan can give you a way out of a difficult financial situation.

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If you need financial help, learn more about our Las Vegas title loans, even if you have no job. If you have income, you can get a title loan.


A car title loan is a short-term, secured loan that gives Nevada residents easy, fast access to funds to cover temporary financial emergencies.

Fast Cash

With a Las Vegas title loan company, your loan is secured with your vehicle’s title. This means you can qualify even if a traditional lender will not approve you for a loan due to credit problems.

Your car is used for the loan’s value, but you do not need to give up your car and means of transportation to get a loan. Instead, the lender holds the car’s title and you continue driving your vehicle until the loan is paid in full, at which point your title is returned.

Quick Car Title Loans

Velocity Cash, as a trusted provider of title loans in Las Vegas, does not restrict how you use your loan proceeds.

The loan can be used to help you catch up on credit bills and utility bills to avoid disconnection, late fees, and credit damage, or you can use the loan for car repairs, groceries, medical bills, or anything else.

There are plenty of misconceptions about how car title loans in Nevada work, but the truth is they are a source of short-term cash to help you through any financial difficulty as long as they are used responsibly. Not sure if you qualify for a title loan? Here’s how the process works.

How to Apply for Title Loans in Las Vegas

As a trusted car title loans Las Vegas lender, Velocity Cash makes the application process as easy and pain-free as possible. The process begins by completing our short five-minute application online.

This application will require information about your car — including the year, make, model, and mileage — as well as basic contact information. The information about your vehicle is used to determine the value of your car and the maximum amount you can borrow.

Your loan is based on the value of your car and your ability to repay. You can borrow up to the maximum fair market value of your car.

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After you submit your car title loan application online, you will receive a free car title loan estimate with your estimated loan amount, interest, and repayment terms.

A loan representative will then contact you to finalize your loan and give you the money. This process usually takes no more than 1-2 business days from start to finish.

Qualifying for a loan from a car title loans Las Vegas lender is straightforward. You need:

  • State or government-issued ID to verify you are at least 18 years old
  • Clear title for the vehicle. This means you should have no outstanding loans or liens on the car.
  • The ability to repay the loan. Your ability to repay, in part, determines how much you can borrow. We lend responsibly and will not give you a loan with payments that exceed your ability to repay, which increases your risk of default.

In short, as long as you can show a reliable source of income and you want to borrow less than your car is worth, you will likely be approved for a title loan and get funded in a matter of days.

Regulations for Title Loans in Las Vegas

Nevada has title loan regulations that are fair to consumers and lenders. Unlike many other states, Nevada law allows car owners to receive a title loan for up to their vehicle’s fair market value rather than capping loans at an arbitrary limit.

A loan cannot be made for higher than the car’s market value, however. This protects consumers by limiting the size of the payments on the loan and reduces the risk the borrower will find themselves in default.

It also protects the lender by ensuring they do not loan too much money.

Title Loans Las Vegas, NV

In Las Vegas, a car title loan can be made for up to 30 days with a maximum of six loan renewals. This means your loan can be for up to 210 days (7 months) if you qualify for and request all six renewals.

Nevada regulations also protect car owners who have had their auto repossessed due to missed payments on their title loans. Consumers are never surprised with repossession as lenders are required to give 30 days written notice.

Borrowers who are in default can use this time to make arrangements or attempt to bring their loan into good standing.

In the case of a default, the lender is barred from collecting more than the vehicle as repayment which means the lender cannot seek other forms of payment or assets.

If the vehicle is repossessed, the title loan is complete and the borrower has no additional repayment responsibilities for the loan.

Benefits of Title Loans in Las Vegas, NV

Car title loans offer several real benefits if you need a short-term loan and lack the ability to qualify for a traditional loan from a bank — or you cannot wait weeks for the loan to be funded. Nevada residents turn to title loans for many reasons:

Easy Qualification Process

Title loans do not require perfect credit, so you can qualify even if you have a poor credit score. While having bad credit can make it feel like you have no options, Las Vegas title loans can be a solution for short-term cash to help you through a financial hardship or if you just need some extra cash to spend.

Your vehicle’s title is used as collateral for the secured loan and you can qualify as long as you own your vehicle and have income to repay.

Funding for Title Loans in 1-2 Days

Traditional loans can easily take weeks or months for the underwriting, approval, and funding process. With a title loan, you can get the money you need within just one to two business days.

If you are dealing with a financial emergency like utilities that will be disconnected or important car repairs, a title loan can help where traditional funding cannot.

You Continue Driving Your Car

While a Nevada pawn loan can also give you fast access to money, you must surrender your stuff first. Our Las Vegas car title loans do not require giving up your vehicle, only the title. You continue driving your car while you pay off your loan.

Avoid Fees and Disconnection

Las Vegas title loan lenders do charge a fee for the service, as with any loan, but they can be used to help you save money. If you are facing utility disconnection, for example, a short-term loan can help you get your account current to avoid hefty disconnection/reconnection fees as well as late fees.

Las Vegas Online Title Loans

Using title loans in Las Vegas to catch up on credit card bills can also help you save money and your credit score by avoiding late payments and late payment reports on your credit file.

It’s important to note that title loans are usually more affordable than cash advances on a credit card and payday loans because the loans are secured with your vehicle’s title. This can make it even easier to save on loan costs as well as any late fees and penalties you may be facing.

Qualify with Any Source of Income

You do need some source of income to qualify for a Las Vegas, NV title loan, but providers do not have the same strict requirements as traditional lenders.

While a bank will likely disqualify someone for a loan if their source of income is disability benefits, retirement income, Social Security, or even income through self-employment, you can qualify for a title loan as long as your income is sufficient to make the payments.

You will not be disqualified just because your income source is difficult to document to a bank’s satisfaction or you make income through a means other than wages.

Convenient Repayment Options

Traditional loans have very strict repayment plans that cannot be customized to fit your needs or financial situation. A title loan can be paid back early with no prepayment penalties, or it can be rolled over into a new loan if your financial situation has not improved.

You also have the option of paying online, at our Las Vegas, Nevada location, or another way that is convenient to you. Our title loan company will work with you if you are struggling with repayment to help you avoid default.

If you are struggling with a temporary financial issue and need access to a fast short-term loan, a car title loan can be an excellent solution and save you from financial stress.

Las Vegas Title Loans in Nevada

You can also use the loaned money for anything you want, even for gambling in Las Vegas, Nevada.

Our title loan company is here to help with affordable title loans to give you the cash you need to improve your finances and potentially save money. Get started with our fast five-minute application process and you can have the cash you need in just 1-2 days.

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Average rating:  
 8 reviews
 by Sonny
No job

I didn't have a job and still got approved for the loan.

 by Rosie

Got a quick $2,000!!

 by Charles Bailey
Las Vegas Car Title Loans

This was better than other car title loan companies.

 by Dawn Mays
Applied Online

I applied online for the estimate and they helped me through the loan process.

 by Kristoffer

Vegas can get expensive and I lost some money and needed to recover fast. I took out a loan against my car.

 by Shantelle

Good service. I got a cash loan.

 by Lisa Joplin

It was nice to get some extra cash with the title loan while on vacation in Vegas. My hotel charged us way more money than expected.

 by Shayne
Vegas Baby!

I got a title loan and went gambling!