Title Loan Calculator

Last reviewed on April 27, 2026.

Estimate the monthly payment, total interest, and total repayment for a title loan based on amount, term, and your state.

Loan Details

$5,000

Typically 25% - 50% of your vehicle's value

Interest rates vary by state

Newer vehicles may qualify for better rates

Your Estimated Payment

Monthly Payment: $--
Total Interest Paid: $--
Total Repayment: $--
Estimated APR: --%
Note: These are estimates only. Actual rates depend on your state, lender, vehicle condition, and credit profile.

Total Cost Breakdown

Principal: $0
Interest: $0

Payment Schedule

Payment # Payment Date Payment Principal Interest Balance

Before you act on this estimate

  • High APR. Title loans typically carry APRs from 36% to 300%, significantly higher than traditional loans.
  • Repossession risk. Your vehicle is collateral. See our repossession guide for what default actually involves.
  • Short-term only. Title loans are designed for emergencies. Rolling them over multiplies the cost.
  • State rules vary. Check our state regulations overview — some states ban title loans entirely.
  • Try the alternatives first. Most readers find a cheaper option in our alternatives guide.

What You'll Need to Qualify

Clear Vehicle Title

You must own your vehicle outright with a lien-free title in your name. The title serves as collateral for the loan.

Valid Government ID

A current driver's license or state-issued ID is required to verify your identity and residency.

Proof of Income

Recent pay stubs, bank statements, or other documentation showing you have the ability to repay the loan.

Vehicle Inspection

Your car will be inspected to determine its current market value and condition.

Proof of Residence

Utility bill, lease agreement, or other document showing your current address.

Vehicle Insurance

Most lenders require that your vehicle maintains current insurance coverage throughout the loan term.

Walk through the before-you-sign checklist