Title Loans Salt Lake City, UT

When people run short of cash for rent or emergencies, they often turn to their credit union or their bank to get a personal line of credit or a personal loan.

On the surface, this seems like the most logical step to take if you just need a couple of hundred or even a few thousand dollars. However, people are often surprised to learn that they can’t qualify for a loan with their own bank.

Renters and homeowners are learning the hard way that banks have tightened up their loan requirements since the recession. Getting a loan, even for a small amount, is much more difficult than it was 10 years ago.

Utah State Capital Salt Lake City UT

Salt Lake City Title Loans Online

Often, you are expected to produce all kinds of documentation like pay-stubs, income tax records and have a credit rating in the good to excellent range. For many folks, the hassles involved just aren’t worth it, or they simply can’t qualify because of bad credit.

At Velocity Cash, we approve loans for people with bad credit, and you’ll never be required to produce excessive documentation. Our simple and quick title loans in Salt Lake City, Utah only require the title to your car, and you’ll have your cash in a day or less.

How We Handle Title Loans Salt Lake City, UT

Getting Started

At Velocity Cash, we encourage anyone in need of fast cash title loans to apply online. There is no need to take time off from work or make an appointment to begin the loan process. We have a very short application that is easily filled out in just a couple of minutes and we never charge fees for loan applications.

Loan Consultation

All applicants will spend a few minutes consulting with one of our loan representatives. Your loan representative will walk you through the various stages of the loan process, so you’ll have a clear understanding of how everything works.

Our loan rep may also discuss your income to determine an affordable loan amount for your particular circumstances. Our goal is to help you get the money you need. It is also our duty to make sure that you are not taking out a loan that you can’t afford.

After establishing your income and ability to pay, your loan rep will offer various payment plans to fit your budget and income.

Choosing the right plan not only helps you to make timely payments, but it also helps to assure us that you won’t be falling behind in your payments. It’s a winning situation for everyone.

Finishing the Loan Process

Once we’ve ironed out all the details of the loan with you, you’ll receive a copy of the contract. It is up to you to read through it carefully and ask questions if needed.

Assuming everything is in order; you’ll sign the contract and turn over the title of your vehicle to your loan representative. Titles are returned shortly after completing your last payment.

Acceptable Types of Income for Title Loans Salt Lake City, UT

Our professional loan representatives work to qualify borrowers for loans everyday using a variety of incomes. We are fairly flexible when it comes to income.

Be sure to discuss all your income options with your loan rep.

You don’t want to overlook an acceptable income source. Listed below are just a few examples of acceptable income sources for title loans Salt Lake City.

  • Pension plan income.
  • Disability income.
  • Unemployment benefits.
  • Retirement income.
  • Income from your current job.
  • Self-employment income.
  • Alimony.
  • Social Security income.
  • Welfare

Qualifying Borrowers

Unlike traditional bank loans that usually have a lengthy qualification process, Velocity Cash only has a few requirements. This keeps it simple for everyone involved, reduces stress and speeds up the entire loan process.

  • Each borrower applying for car title loans in Utah must be at least 18 years of age. To make everything legal, we will also need to see a state identification card, or you can supply your driver’s license to confirm your age.
  • Any vehicle like a car, SUV, truck, van or motorcycle must have a valid paper title with no liens attached to it.
  • You must be the owner of the automobile and have a registration listing you as the owner.

Loan Amounts

Loan amounts may differ greatly depending upon a number of factors. The condition of the car is very important. For instance, cars that have been in an accident normally result in lower loan amounts. Besides the overall condition of the car, we take into consideration the number of miles and the age of the auto.

We also consider the equity in the car, and we use Kelly Blue Book as a guide to determine the car’s value. Loan amount estimates offered to customers are a percentage of the car’s value. Payouts can range from a couple of hundred to thousands.

Be sure to keep in mind that these are short-term loans when making your payment arrangements based on the loan amount. We offer the highest payout amounts possible based on the assessment of your vehicle. However, you are not required to accept the full loan amount if it poses a problem with your monthly budget.

Online Application

In all likelihood, this will be the quickest loan application you will ever fill out. It is short, to the point and only takes a couple of minutes to complete. To apply for title loans Salt Lake City, you need to supply:

Your telephone number, zip code and your full name.
The style, model and make of your automobile. We also need the age of your auto, the odometer reading or a rough estimate of the mileage.

You’ll receive an estimate from our car title loan calculator right after applying and a call from a loan representative. The representative will answer questions and help you to select an affordable payment plan.


  • No loan application fees.
  • No loan consultation fees.
  • Competitive interest rates.
  • Professional services.
  • Convenient online application.
  • Fast cash in just 24 hours or less.


  • People with no credit or bad credit are not penalized when applying for a loan. We never pull credit reports and even those who are unemployed may still qualify for a loan.
  • If you run into financial difficulty when making your payments, we may work with you to lower your payments or roll the debt into a new loan with better interest rates.
  • We research interest rates to find the lowest rates for you at the time of your application. Lower rates can have a direct impact on your payment amounts.
  • We don’t charge any prepayment fees or penalties if you would like to pay your loan off early.
  • We go out of our way to approve loans, provide friendly customer service and ensure your loan process is hassle free.


You will never be asked for the purpose of the loan when applying for title loans in Salt Lake City, UT.

You can use your money to go on vacation, buy new car tires, pay for college tuition or make repairs around the home. You determine how and when you will spend your loan payoff.

Even though you are securing the collateral loan with your automobile, you are still allowed to use it as frequently as you like and drive wherever you want to.

Consumer Protections

Our loan representatives at Velocity Cash work with each borrower to answer their loan questions and make sure they understand the terms of the loan and their payment responsibilities.

To comply with state regulations, we make sure the total loan amount, minimum payments and the payment schedule are posted within the contract. You should also take note of any additional fees and the interest rate you’ll be charged.

If you have bills you just can’t pay and need some fast cash to make it through a tough financial situation, consider title loans Salt Lake City offered by Velocity Cash.

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Average rating:  
 4 reviews
 by Jasmine

I used my title loan to pay the last of my students loans and then went on vacation.

 by Betsy
Fair Loans

Title loans are easy to get if you have a good modern car that's fully paid. Got me through a tough financial time.

 by Jo Jo Ramsey

Got a loan quick. Salt Lake City is the best.

 by Macy McKinsey
Quick Loan

Just fill out the form and get a loan. It's basically that easy. The money was deposited in my account after just a few hours.