Do I Qualify?
Find out if you meet the simple requirements to unlock your vehicle's equity. Approval takes minutes — your credit score doesn't matter.
Basic Car Title Loan Requirements
Meeting these 6 simple requirements is all it takes to get started. No lengthy
paperwork, no credit score checks.
Lien-Free Vehicle
Your car must be fully paid off with no existing loans or liens against the title. The vehicle title must be registered in your name.
Under 10 Years Old
Most lenders prefer vehicles 10 years old or newer. Some may accept older vehicles in excellent condition — call us to confirm.
Government-Issued ID
Provide a valid government-issued photo ID, such as a driver's license or passport, to verify your identity and help speed up the approval process.
Proof of Residence
Provide a recent utility bill, lease agreement, or bank statement to confirm your current Canadian address.
Registration & Insurance
Your car must be registered and insured in your name. Lenders accept full or basic coverage depending on the agreement.
Spare Set of Keys
Some lenders may request a second set of keys as a precaution — you still keep full use of your vehicle throughout the loan.
Who Can Apply for a Car Title Loan?
Our vehicle equity loans are designed to help all Canadians — regardless of
employment status, credit history, or financial background.
Full-Time Employees
Need extra cash before payday? A low-interest car title loan can help you cover unexpected expenses quickly and conveniently.
Self-Employed & Business Owners
Run a small business and need quick cash flow? Get the funds you need without restrictive bank checks or lengthy approvals.
Students & Recent Graduates
Need money for tuition, books, or rent? A car title loan can help you manage education expenses without the stress.
Unemployed or Between Jobs
Car title loans do not require proof of employment — you can still qualify even if you are temporarily out of work.
Bad Credit or No Credit Borrowers
Unlike traditional bank loans, your credit score is not a factor in approval. Get approved regardless of your credit history.
Individuals Facing Financial Emergencies
Whether it's medical bills, urgent repairs, or unexpected expenses — get quick access to cash when you need it most.
Get Your Cash in 4 Simple Steps
Apply Online
Fill out our quick 2-minute application form from any device
Vehicle Assessed
We evaluate your vehicle's market value to determine your loan
Get Approved
Same-day approval once your vehicle meets our criteria
Receive Funds
Funds deposited within 24 hours — keep driving your car
Check Your Eligibility Today
Our application takes less than 2 minutes. Fill out our online form or call one of our Canadian loan agents right now.