How It Works

Apply today and get the cash you need in 30 minutes or less with a payment plan you can afford.  Here is how the whole process works in four easy steps:

  1. The first step is to apply!  Start the process here online or stop by one of two locations, and our friendly staff will have you set up in no time.  All you need is proof of income, a lien-free car title, and a government issued ID.
  2. Next a Title Wave employee will do a quick appraisal of your vehicle in order to approve the loan.  We will then use this value and the amount requested by you to calculate the terms of the loan.
  3. The third step is for you to agree to the terms and the cash you need is yours instantly!
  4. Once you’ve paid back your title loan, Title Wave releases the lien on your vehicle and you get your title back.