• (205) 798-2080

What does Alabama Title Loans do?

Alabama Title Loans provides a quick and easy way for Alabama residents to get the cash they need. Individuals with a lien-free car title and valid photo ID in Pelham and Birmingham can apply for a title loan and drive away in their own car with cash in their pocket.

How does a title loan work?

Obtaining a title loan is a fast and easy process. Simply bring in your vehicle to our Birmingham or Pelham location with its clear title and a valid photo ID. While we evaluate your vehicle, you’ll fill out a simple application that will allow us to accurately assess the value of your vehicle and your ability to repay the loan in full. We’ll then issue you a title loan based on that information. You keep your keys, you keep your car. You have the option of repaying your loan in full in 30 days, or extending it for an additional 30 days by paying at least the interest due. When the loan is paid in full, we will hand you your title back. It’s really that easy!

Who can use title loans?

Sometimes people just need a little extra cash—a little help to make ends meet. Our customers use their car title loans for any number of reasons. Sometimes it’s for an essential household repair that comes at the wrong time, meeting their employee’s payroll, paying college tuition, or getting their bills paid that come due before payday. Life is a road full of unexpected twists and turns. Quick cash in your hand can make that road a bit less bumpy.

How soon can I get a loan?

Most of our applicants drive away in as little as 20 minutes after walking through the door. We’ve streamlined our process so that we can hand you the cash you need as quickly as possible. We know you need the money now – not in days or weeks.

What are the requirements for a title loan?

Alabama Title Loans only requires that our applicants possess a clear title (free of liens), a photo ID, and drive the vehicle in for a quick evaluation. The title must be in the applicant’s name, and that applicant must be at least 19 years of age. That’s it!

What is a vehicle lien?

Your vehicle may or may not have a lien on it, depending on how you bought it. If you have financed your vehicle, and are still paying on it, then you have a lien on your title. Unfortunately, Alabama title loans cannot make a loan on a title with a lien on it. As soon as the vehicle is paid off, and your lien is removed, we can help you. Liens can be confusing, so if you have any questions, feel free to contact us for more information.

Is my information kept confidential?

Confidentiality is something we take very seriously at Alabama Title Loans. We promise that none of our clients’ personal information will be sold, or given out over the phone or in person. We pride ourselves on being a discreet as well as a quick lender.

What happens to my vehicle?

When you get a title loan from Alabama Title Loans, your car is not held as collateral. We only hold the title as collateral. You keep your car, and you keep your keys.

Does the car title have to be in my name?

Yes. The vehicle’s title must be in the name of the individual who is applying for and receiving the title loan.

Is good credit required?

Absolutely not. Alabama Title Loans does not run a credit check on our applicants. Title loans are convenient, confidential, and easy transactions, many times taking fewer than 20 minutes from the moment you walk in the door to when you drive away in your own car.

How old do I need to be?

Alabama Title Loans will provide title loans to anyone 19 years of age or older.

How much money can I borrow?

When you come into Alabama Title Loans, we will evaluate your vehicle, assess your cash needs, and discuss your ability to repay your loan. We treat our clients on a case-by-case basis, but applicants can expect a loan of $150 up to $5,000 upon approval.

Can I get a loan if my car tags are expired?

Absolutely! Actually, many people use their car title loans to get the money they need for their car tags. All we care about is that applicants possess their car’s lien-free title, the car itself, and a valid photo ID.

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

Yes! Car insurance is not a requirement to obtain a title loan from Alabama Title Loans.

Can I get a loan if my car is wrecked?

Yes, a wrecked car is just fine, as long as the vehicle is drivable.

What happens when I pay off the title loan?

We happily hand back your car’s title, and you drive away!

Have questions? Contact us today!

Choose Title Loan Location*

Your Name (required)

Your Email (required)


Your Message

How much can I get?
Let's see! Start with the following info:
Just a little more detail:
Loan amount subject to vehicle evaluation
and ability to re-pay.

Why Choose Alabama Title Loans?

Established in 1993, Alabama Title Loans has been a highly respected institution in Alabama for over two decades. With two convenient locations in Birmingham and Pelham, we can get you the money you need quickly, regardless of where you are in the area. Let us show you the Alabama Title Loans difference today.