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BlogBlogHow Much Can I Borrow With A Car Title Loan?

How Much Can I Borrow With A Car Title Loan?

Fast-Money

Getting Fast Cash with a Car Title Loan

If you need money quickly, one of the easiest ways to access it is through a car title loan. While there are a few requirements to meet, this type of loan can help you get cash within a day or two. The amount you can borrow depends mainly on your vehicle’s value and the lender’s policies.

How a Car Title Loan Works

A car title loan allows you to use your vehicle as collateral in exchange for cash. In most cases, your car must be fully paid off, although some lenders make exceptions.

You’ll need to fill out an application — either in person or online — and provide documentation such as:

  • A valid driver’s license
  • A utility bill or other proof of address
  • The original vehicle title, ensuring the VIN matches your car

Once verified, the next step is assessing your vehicle’s value.

Vehicle Assessment and Loan Value

Lenders will inspect your vehicle or review photos to confirm its condition. They typically use Kelley Blue Book or NADA values to determine fair market price. Usually, you can borrow 50% to 75% of your vehicle’s value. For example:

  • If your car is worth $20,000, you may qualify for a loan between $10,000 and $15,000.

Choosing the Right Loan Amount

Even if you qualify for a higher amount, it’s best to borrow only what you need and create a clear repayment plan. Across the U.S., most car title loans range between $600 and $3,000. These short-term loans are designed to help with urgent financial needs — but make sure you repay on time to avoid additional fees or penalties.

A car title loan can be a fast and convenient way to access cash when you need it most. By understanding how the loan amount is determined and planning ahead, you can borrow responsibly and stay in control of your finances.

Call Embassy Loans today at (833) 839-2274 to learn more or start your application.



Embassy Loans is a leading provider of auto title loans since 2005

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Embassy Loans Inc. is licensed under the “Florida Consumer Finance Act” and as such Embassy Loans is exempt from any licensing requirements under the “Florida Title Loan Act” to the extent that any of Embassy Loans’ activities involve the making of a loan of money to a consumer secured by bailment of a certificate of title to a motor vehicle.

Monthly Interest Rates range from 2%, 2.5%, 3% int, up to 24 months.

No Prepayment Penalties!

Embassy Loans uses “Title Loans” for advertisement purposes only and provides auto equity loans. Embassy Loans Inc. is licensed under the “Florida Consumer Finance Act” under Florida Statute 516 and as such Embassy Loans is exempt from any licensing requirements under the “Florida Title Loan Act” to the extent that any of Embassy Loans’ activities involve the making of a loan of money to a consumer secured by bailment of a certificate of title to a motor vehicle.

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Frequently Asked Questions
What is an Auto Equity Loan?

An auto equity loan, sometimes known as a car title loan or a car equity loan, is a type of loan that allows you to borrow money by using your vehicle as collateral. The loan is secured by your vehicle, meaning you agree to use the equity in your car to back the loan. 

What is an Unsecured Personal Loan

An unsecured personal loan is a loan that does not require collateral. Funds are provided based on your credit worthiness and your ability to repay. 

What Is the Credit Builder Program

The credit builder program is designed to help individuals establish or improve their credit score with the primary purpose of building a positive credit history through regular payments.

Can i have more than one Loan at a time?

Embassy Loans can only extend one loan at a time and it’s advisable to start with one and focus on making payments in a timely manner to prevent default.

What happens if I miss a payment?

Missing a payment can have negative consequences, including late fees, a drop in your credit score, and potential default on the loan. Consistent, on-time payments are crucial to benefit from the program.