Fast review
Start online, share your vehicle details, and move through a streamlined review process with support at each step.
Title / Collateral Loans
Title/Collateral Loans as low as 7.05% APR
Need fast access to cash without surrendering your vehicle? Use a paid-off car, truck, or SUV as collateral and keep driving while you make low fixed monthly payments on a structured loan.
How title/collateral loans work
- Use your vehicle's title as collateral for the loan.
- Continue driving your car while making low, fixed monthly payments.
- Once the loan is paid off, your title is returned free and clear.
Benefits of a collateral loan from Apex Lend
- Competitive low rates: structured borrowing can be more affordable than many unsecured cash options.
- Keep driving your car: you maintain access to your vehicle throughout repayment.
- Flexible loan options: choose an amount and term that work better for your budget.
- Credit-friendly support: our team helps review fit, terms, and required documentation clearly.
- Streamlined funding: fast review and a simpler process when you need money for urgent expenses.
Collateral title loans are a short-term lending option for qualified borrowers who need access to funds while keeping monthly payments more manageable.
Keep your vehicle
Continue using your car for work, school, or daily life while repaying on the agreed loan schedule.
Predictable payments
Structured monthly payments make it easier to plan around major bills, home needs, or emergency expenses.
When a title loan can help
Use vehicle equity for the expenses that cannot wait.
A title or collateral loan can be helpful when you need quick funding but want a more structured option than high-cost, short-term cash products. Because your vehicle supports the loan, you may be able to access better pricing and a clearer repayment path.
Check Your Options
Before you apply
Get ready with a simple title loan checklist.
Having a few core details ready can make the process smoother and help you understand what loan amount and terms may be a better fit for your current situation.
- Vehicle title information and proof the vehicle is eligible.
- Current registration, insurance, and a government-issued ID.
- Income details to help evaluate repayment capacity.
- Estimated vehicle condition, mileage, and usage pattern.
- A clear goal for how much you want to borrow and why.
Tip: Borrow only what you need and match the
payment to your monthly budget before moving forward.
FAQ
Common title loan questions
Vehicles generally need to be paid off or have enough usable
equity. Final eligibility, rate, and any fees depend on
underwriting, vehicle condition, title status, and state
requirements.
Depending on the program and reporting practices, on-time
repayment may support your credit profile. The exact impact
varies and cannot be guaranteed.
You keep possession and use of your vehicle while making
payments. As with any secured loan, failure to repay could
affect the collateral, so borrowing should match your budget.
Borrowing limits depend on your vehicle's usable equity,
overall application profile, and lender guidelines. A review
of the vehicle and documentation helps determine the final
amount.
After submission, the team typically reviews your identity,
vehicle details, title status, and repayment information. If
approved, you receive final terms, closing steps, and funding
details.
Loan protection
Loan protection gives you peace of mind
Add optional protection features designed to help support your payment plan when life changes unexpectedly.
Help protect your loan payments against life events such as disability or involuntary unemployment.
See how a simple coverage add-on can fit alongside your current monthly budget.
Coverage options may help when an accident or qualifying event affects how you use your vehicle.
Call in and ask our member service team to review available protection choices with you.