Online Car Title Loans in Alabama

Apply for Alabama Title Loans Online to get emergency funding fast same day with no credit check.

Just provide a vehicle title as collateral and get guaranteed approval from the best Alabama Title Loan lenders. Available for bad credit borrowers with no bank account, no income verification, no job. All you need is a vehicle and its title to provide as a collateral. Online application is fast and very convenient. Besides, with Car Title Loans in Alabama you keep your vehicle, get instant approval and same day funding.

Completely Online Title Loans and Pawns provide same-day funding to bad credit borrowers with no credit check and no inspection required. Besides, you keep driving your car while repaying the loan.

Start now

Why Choose Compacom for Title Loans in Alabama

Quick and Easy
Apply for a fast payday loan online right now and pay the money back with your next paycheck.
No Hard Credit Check
Get guaranteed instant approval decision without hard inquiry no matter what your credit is.
Safe and Reliable
Get connected with the best legit direct lenders. OLA certified. Trusted by thousands of US borrowers.

How Alabama Title Loans Online Work - 3 Easy Steps to Instant Cash

Complete a simple application form online in minutes at the best Alabama lender's website.
If you qualify, you'll be approved fast same day. Check your rates and sign a loan agreement.
Get your Title Loans fast with a direct deposit to your bank account.
Start Now

Car Title Loans Near Me

Get a quick cash loan near your location

Cash Advance and other Money Offers in Alabama

Up to $1,000 instant cash advance for a short term of 14 - 30 days. Same-day financing once approved. Bad credit is considered too.
Up to $5,000 instant cash with guaranteed approval from direct lender with a few months of scheduled installments.
$5,000 - $35,000 quick loans for any personal needs. Available for any credit score and don't require any collateral.

Apply for Online Title Loans to get Instant Decision from the Best Alabama Title Loan Lenders


Rates last updated May 22nd, 2024

Are Title Loans Legal In Alabama?

Yes, title loans are legal in Alabama, but they are subject to certain regulations and restrictions. The Alabama Pawnshop Act regulates title loans in the state, and the Alabama Title Loan Act sets the maximum loan amount, fees, and interest rates that lenders can charge.

In Alabama, the maximum amount that borrowers can borrow through a title loan is $2,500. Title loan lenders can charge a maximum interest rate of 25% per month, which translates to an annual percentage rate (APR) of 300%. Lenders can also charge additional fees, such as document fees and processing fees, but these fees are subject to a maximum of 3% of the original loan amount.

It's important to note that title loans in Alabama can come with high interest rates and fees, and borrowers who are unable to repay the loan on time may face additional fees and charges, which can lead to financial hardship and a cycle of debt. Therefore, borrowers should carefully consider all options and choose a lender that offers fair and transparent terms and conditions.

Alabama Title Loans Rates and Terms

Legal Status

Legal Status

The status of a loan type according to the Federal laws and regulations. What concerns Payday Loans some states consider them legal, some – illegal and some restrict them in terms of amounts and interest rates.

Maximum Loan Term

Maximum Loan Term

It’s the maximum period of time within which you are to allowed to pay off your loan.

31 day(s)
Minimum Loan Term

Minimum Loan Term

It’s the minimum period of time within which you are allowed to pay off your loan.

10 day(s)
Maximum APR

Maximum APR

The maximum percentage allowed that actually represents annual cost of your loan. The APR is based on several things, including the amount you borrow, the interest rate and costs you’re being charged, and the length of your loan.

Finance Charges

Finance Charges

All the payments you’re going to be charged for the loan including APR and other fees.

25% a month

Apply online

How Do Title Loans Work in Alabama?

Title loans in Alabama work by using the borrower's vehicle as collateral. The borrower must have a clear title to the vehicle, meaning that there are no liens or other claims against it.

To apply for a title loan in Alabama, the borrower must provide their vehicle title, a photo ID, and proof of income and residency. The lender will assess the value of the vehicle and offer the borrower a loan amount based on a percentage of the vehicle's value, up to a maximum of $2,500.

If the borrower agrees to the loan amount and terms, they will sign a loan agreement and turn over their vehicle title to the lender. The lender will then place a lien on the vehicle title, which means that they have a legal right to the vehicle until the loan is repaid.

The borrower can continue to use their vehicle while they repay the loan, but they must make timely payments according to the terms of the loan agreement. If the borrower is unable to repay the loan, the lender may repossess the vehicle and sell it to recover the outstanding balance of the loan.

It's important to note that title loans in Alabama come with high interest rates and fees, and borrowers should carefully consider all options and choose a lender that offers fair and transparent terms and conditions. Borrowers should also ensure that they are able to repay the loan on time to avoid additional fees and financial hardship.

Can you get a title loan online in Alabama?

Yes, it is possible to get a title loan online in Alabama. Many direct lenders offer online applications and may be able to provide funds through direct deposit. However, it is important to note that title loans are subject to state laws and regulations, so be sure to research the specific requirements and limitations in Alabama before applying for a title loan online. Additionally, it is important to carefully review the terms and conditions of the loan agreement and make sure to only borrow what you can afford to repay.

What do I need for a title loan in Alabama?

To qualify for a title loan in Alabama, you will typically need the following:

  1. A clear vehicle title in your name
  2. A valid government-issued ID
  3. Proof of income (pay stubs or bank statements)
  4. Proof of residency (utility bill, lease agreement, etc.)
  5. A working phone number and email address
  6. Proof of car insurance
  7. The vehicle for inspection and appraisal

How long does it take to get a title in Alabama?

It typically takes 15 business days to receive a title in Alabama once the application has been submitted and all requirements have been met. However, expedited online title services with instant same day direct deposit are also available for an additional fee.

How much does it cost to get a title in Alabama?

The cost of an Alabama title loan is typically calculated based on the principal amount borrowed, the length of the loan term, and the interest rate or finance charge. Lenders are required by law to disclose the APR (annual percentage rate) and all fees associated with the loan before the borrower signs the loan agreement. In Alabama, the maximum interest rate that can be charged on a title loan is 25% per month, which translates to 300% APR. However, lenders may also charge additional fees, such as processing fees, lien fees, and late fees, which can significantly increase the overall cost of the loan. It is important for borrowers to carefully review the loan terms and all associated fees before agreeing to a title loan.

Here is a table with representative examples of the cost of title loans in Alabama:

Lender Name

Loan Amount


Finance Charge

Total Repayment






Alabama Title Loans










Check Into Cash










Note that these figures are for illustrative purposes only and may vary depending on the lender, loan amount, and other factors. It is important to carefully review the terms and conditions of any title loan before accepting it to understand the total cost of borrowing.

What are the pros and cons of Alabama title loans?

Advantages of Alabama Title Loans:



Quick Access to Cash

Title loans in Alabama offer a fast and easy way to get cash when you need it. You can typically get approved for a title loan in a matter of hours or even minutes, and receive the funds the same day.

No Credit Check

Unlike other types of loans, title loans don't require a credit check. This means that even if you have bad credit or no credit, you can still qualify for a title loan as long as you have a vehicle to use as collateral.

No Need to Surrender Your Vehicle

While you use your car's title as collateral for a title loan, you don't have to give up your car. You can continue to drive your car as usual while you repay the loan.

Flexible Repayment Options

Title loan lenders in Alabama may offer flexible repayment options, allowing you to repay the loan in installments that fit your budget.

Disadvantages of Alabama Title Loans:



High Interest Rates

Title loans typically come with very high interest rates, often in the triple digits. This means that you could end up paying a significant amount of money in interest over the life of the loan.

Risk of Vehicle Repossession

If you're unable to repay the loan on time, the lender can repossess your vehicle and sell it to recoup their losses. This can be a significant risk, as losing your vehicle can have serious consequences for your finances and daily life.

Fees and Charges

Title loan lenders in Alabama may charge a variety of fees and charges, including origination fees, late fees, and prepayment penalties. These fees can add up quickly, making the loan even more expensive.

Limited Loan Amounts

The amount of money you can borrow with a title loan is typically limited by the value of your vehicle. This means that if you need a larger loan, a title loan may not be the best option.

Comparing Alabama Title Loans to Other Quick Financing Options:


Alabama Title Loans

Payday Loans

Credit Cards

Quick Access to Cash

No Credit Check

No Need to Surrender Your Vehicle

Flexible Repayment Options

High Interest Rates

Risk of Vehicle Repossession

Fees and Charges

Limited Loan Amounts

Note: While payday loans and credit cards can be quick financing options, they may not be available to everyone and may come with their own set of pros and cons.

How do I get out of a title loan in Alabama?

Getting out of a title loan in Alabama can be a difficult and stressful process, but there are some steps you can take to make it easier. Here are some detailed instructions on how to get out of a title loan in Alabama:

  1. Review your loan agreement: Carefully read the terms and conditions of your loan agreement to understand the amount you owe, the interest rate, and any fees associated with the loan.
  2. Create a budget: Assess your current financial situation and determine how much you can realistically afford to pay towards your loan each month.
  3. Contact your lender: Reach out to your lender and explain your situation. Ask if they are willing to work with you to create a repayment plan that fits your budget.
  4. Negotiate: If your lender is willing to work with you, negotiate a new payment plan that is more affordable for you. Ask them to waive any late fees or penalties and to reduce the interest rate if possible.
  5. Consider refinancing: If you are unable to negotiate a new payment plan with your lender, consider refinancing your loan with another lender at a lower interest rate.
  6. Sell your vehicle: If you are unable to make payments on your loan, you can consider selling your vehicle to pay off the loan balance. Make sure to check with your lender to see if there are any penalties or fees associated with early repayment of the loan.
  7. Seek professional help: If you are unable to negotiate a new payment plan or refinance your loan, seek the advice of a credit counselor or financial advisor. They can provide you with guidance on how to manage your finances and get out of debt.

Remember, getting out of a title loan in Alabama may take time and effort, but it is possible. Be patient, stay committed to your budget, and seek professional help if needed.


In conclusion, car title loans in Alabama can provide quick and easy access to cash without the need for a credit check or surrendering your vehicle. However, they come with high interest rates, the risk of vehicle repossession, and various fees and charges. It's essential to carefully consider your financial situation and repayment ability before taking out a title loan in Alabama. Exploring other quick financing options like payday loans or credit cards may also be beneficial. Ultimately, it's crucial to compare the pros and cons of each option and choose the one that suits your needs and budget the best.

Title Loans Hub

In the Title Loans Hub, we've collected all the useful guides and resources on Title Loans. Our experts conducted thorough research to give you the answer to any possible question on the topic.

Top Articles

Apply OnlineCall Now