Car Title Loans in Memphis, Tennessee
Local Network
Shelby County Partners
Quick Decisions
Often Same-Day
Simple Process
3-Step Inquiry
$500 - $2,500

Need Cash for an Emergency? Your Car Title Can Help

We connect Memphis residents with reputable title pledge lenders. Keep your car and get the funds you need as soon as the next business day.

  • Keep Your Keys and Drive
  • Stay on the road in Memphis
  • High Approval Rates
  • Bad credit is rarely an issue
  • Local TN Lenders
  • Licensed and regulated partners
Check Your Eligibility Now
SSL Secure Connection
Tennessee Licensed Network
Privacy Guaranteed
Transparent Terms

How It Works

Get the funds you need in a few simple steps

1

Online Inquiry

Complete our brief online form with your vehicle's make, model, and mileage plus your basic contact info.

2

Lender Match

Our system connects you with a lender in our network who will reach out to discuss your specific loan terms.

3

Quick Inspection

A brief physical inspection of your vehicle and title will be conducted at a convenient Memphis location.

4

Get Your Cash

Once the agreement is signed, you can receive your funds via direct deposit or in person, often within 24 hours.

Apply Now

Fill out the form below to get matched with a lender

Lenders in our network may perform credit checks or verify your information through alternative databases. Submitting an inquiry form does not guarantee you will be connected with a lender or approved for a loan.

Loan Information

Explore our loan options and find out if you qualify.

Loan Amounts

$500 - $2,500

Loan Terms

30 Days (Renewable per TN Law)

APR Range

Approximately 264% (2% interest + 20% customary fee per month)

Loan Types Available

Car Title Loans Motorcycle Title Loans Title Pledge Agreements Commercial Vehicle Title Loans

Eligibility Requirements

  • Clear Tennessee vehicle title in your name
  • Steady source of income
  • Valid government-issued ID
  • Proof of residency in Memphis or surrounding area
  • Must be at least 18 years old

Required Documents

  • Original Vehicle Title
  • State-Issued Photo ID
  • Proof of Income (Paystubs or Bank Statements)
  • Vehicle for Inspection

Why Choose Us

  1. Keep Your Vehicle

    You get the cash you need while continuing to drive your car for work and daily life in Memphis.

  2. Flexible Credit Requirements

    Lenders focus more on your vehicle's value and your ability to repay than your credit score.

  3. Local Tennessee Network

    We connect you with a network of lenders familiar with Tennessee title pledge regulations and Memphis neighborhoods.

  4. Simple Online Process

    Our 100% online inquiry form takes just minutes to complete from your phone or computer anywhere in Shelby County.

  5. Same-Day Decisions

    Many lenders provide a decision within hours, helping you address urgent financial needs like utility bills or repairs.

  6. Transparent Terms

    The lenders in our network provide clear disclosures regarding interest rates and customary fees as required by TN law.

What Our Customers Say

5/5

Fast and Professional

I needed $1,200 for an unexpected medical bill. The process was way smoother than I thought it would be, and the lender explained everything clearly.

Marcus Washington ·Germantown, TN
4/5

Helpful service

They helped me find a lender nearby on Union Ave. I appreciated the clear explanation of the fees involved and that I could keep my SUV for work.

Elena Rodriguez ·Midtown Memphis, TN
5/5

Exactly what I needed

Used my 2018 Camry to get a $2,000 loan to cover repairs on my rental property. I kept my car and paid it off in two months without any issues.

David Chen ·Cordova, TN
4/5

Good experience

Got a call back from a lender in about 30 minutes. It was much faster than going through a traditional bank for such a small amount.

Sarah Miller ·South Memphis, TN
5/5

Highly recommend

Quickest way to get cash in the city. The staff at the location they sent me to were polite and didn't make me feel bad about my credit situation.

Robert Jackson ·Bartlett, TN
5/5

Very convenient

The online form was easy to use. I was able to handle most of the work from my phone while I was on my lunch break.

Linda Thompson ·Whitehaven, TN

Payday Loan and Financial Service Stores in Memphis, Tennessee

Borrowers in Memphis can visit these local stores for quick financial solutions like payday loans, cash advances, and title pledges, or apply online through our matching service to find a lender that fits their needs.

Payday Loans

ACE Cash Express

3310 Jackson Ave, Memphis, TN 38122

(901) 324-9965

Mon-Fri 9:00 AM - 7:00 PM, Sat 9:00 AM - 6:00 PM

Payday Loans

LendNation

3204 South Perkins Rd, Memphis, TN 38118

(901) 795-5084

Mon-Fri 9:00 AM - 6:00 PM, Sat 9:00 AM - 1:00 PM

Cash Advance

Check Into Cash

8385 US Highway 64, Suite 118, Memphis, TN 38133

(901) 377-9722

Mon-Fri 10:00 AM - 6:00 PM

Payday Loans

Advance America

3431 Austin Peay Hwy, Memphis, TN 38128

(901) 386-3017

Mon-Thu 10:00 AM - 6:00 PM, Fri 9:00 AM - 6:00 PM, Sat 9:00 AM - 2:00 PM

Title Loans

Tennessee Title Loans, Inc.

3906 Park Avenue, Memphis, TN 38111

(901) 323-8884

Mon-Fri 10:00 AM - 6:00 PM, Sat 10:00 AM - 5:00 PM

Check Cashing

Walmart Money Center

7525 Winchester Rd, Memphis, TN 38125

(901) 757-1442

Mon-Sun 6:00 AM - 11:00 PM

Cash Advance

745-CASH

6526 Winchester Rd, Memphis, TN 38115

(901) 255-1516

Mon-Thu 9:00 AM - 5:30 PM, Fri 9:00 AM - 6:00 PM, Sat 9:00 AM - 2:00 PM

Payday Loans

Speedy Cash

5126 Summer Ave, Memphis, TN 38122

(901) 767-5834

Mon-Fri 9:00 AM - 7:00 PM, Sat 9:00 AM - 4:00 PM

Title Loans

Check Into Cash

1213 Getwell Rd, Memphis, TN 38111

(901) 327-8383

Mon/Wed/Fri 10:00 AM - 6:00 PM, Tue/Thu 2:00 PM - 6:00 PM, Sat 10:00 AM - 1:00 PM

Title Loans

Tennessee Title Loans, Inc.

4227-29 Elvis Presley Blvd, Memphis, TN 38116

(901) 396-3835

Mon-Fri 10:00 AM - 6:00 PM, Sat 10:00 AM - 5:00 PM

Cash Advance

745-CASH

3400 Elvis Presley Blvd, Memphis, TN 38116

(901) 255-1506

Mon-Thu 9:00 AM - 5:30 PM, Fri 9:00 AM - 6:00 PM, Sat 9:00 AM - 2:00 PM

Payday Loans

ACE Cash Express

32 S 2nd St, Memphis, TN 38103

(901) 523-2144

Mon-Thu 9:00 AM - 6:00 PM, Fri 8:00 AM - 7:00 PM, Sat 9:00 AM - 3:00 PM

Memphis Community Profile

Memphis, Tennessee, serves as a vital logistics and transportation hub for the Mid-South, anchored by the presence of the FedEx World Hub and a major inland port. Despite its critical role in global commerce, the city faces distinct economic pressures, including a poverty rate significantly higher than the national average and a median household income that necessitates careful budgeting for many families. These financial conditions, often compounded by a workforce largely comprised of private-sector wage earners, contribute to a local demand for short-term lending and credit options to manage liquidity gaps and unexpected household expenses.

610,936
Population
$52,679
Median Income
24.0%
Poverty Rate
4.8%
Unemployment

Transportation

Drove Alone 74%
Carpooled 13%
Public Transit 1%
Walked 2%
Work from Home 8%
Other 2%

Worker Class

Private Wage & Salary 84.7%
Government 11.4%
Self-Employed 3.8%
Unpaid Family 0.1%

Income Distribution

Under $25K 28%
$25K - $50K 19%
$50K - $75K 17%
$75K - $100K 13%
Over $100K 23%

Source: U.S. Census Bureau, American Community Survey 2024 1-Year Estimates; U.S. Bureau of Labor Statistics, December 2025

Frequently Asked Questions

How do title loans work in Memphis?
In Memphis, a title loan involves using your vehicle's clear title as collateral for a short-term cash advance. You provide the title to the lender, but you keep and drive your car during the repayment period.
How much can I borrow in Tennessee?
According to the Tennessee Title Pledge Act, the maximum amount for any single title pledge agreement is $2,500.
Can I get a title loan if I have bad credit?
Yes. Because the loan is secured by your vehicle, your credit score is not the primary factor for approval. Lenders focus more on the value of your car and your ability to repay.
Do I get to keep my car during the loan?
Absolutely. You retain possession of your vehicle and continue to drive it as usual while you make your scheduled payments.
What is the maximum interest rate in TN?
Tennessee law allows for a 2% monthly interest rate and a 20% monthly customary fee, totaling 22% per month or approximately 264% APR.
How long does it take to get the money?
The online inquiry takes minutes. If connected with a lender, the inspection and funding can often be completed on the same day or the following business day.
What happens if I can't pay back the loan on time?
If you can't make a payment, contact your lender immediately. Tennessee law allows for renewals, but you will be required to pay down the principal balance after the third renewal to avoid a cycle of debt.
Are there any hidden fees with these loans?
Lenders in our network are required to disclose all costs upfront. Common costs include the state-regulated interest and the customary fee. Always review your contract carefully before signing.

Ready to Get Started?

Need cash by tomorrow? Start your inquiry now to connect with a Memphis lender today.

Check Your Eligibility Now