Licensed Ontario lender since 2008 · Mon-Sat 9am-6pm · 416-633-2408
New at Xcash

Car title loans: borrow against your car, keep driving it

Your vehicle is worth more than a spot in the driveway. Use a fully-paid car, truck, van or SUV as collateral for a larger loan with longer terms, and keep the keys the whole time.

Keep your car Drive as usual
Credit issues OK Secured by the vehicle
Fast approval Value assessed same day

Do you qualify?

  • Do you own your vehicle outright? (No loan or lease on it.)
  • Is it registered and insured in your name in Ontario?
  • Are you 18 or older with a chequing account 3+ months old?
Yes, Check My Car's Value

Loan amount depends on your vehicle's year, make, model, mileage and condition. Approval is not guaranteed and conditions apply.

Why a title loan?

Bigger amounts. Longer terms. No credit drama.

When you need more than a payday loan but your credit score is holding you back, your vehicle can vouch for you. Because the loan is secured by your car's value, we can say yes when unsecured lenders say no.

  • You keep driving. The car stays with you. We only register a lien on the title until the loan is repaid.
  • Credit issues welcome. Approval is based on your vehicle's value and your ability to repay, not your past.
  • Instalment payments. Repay over months, not weeks, with a schedule that matches your paydays.
  • Lien removed at payoff. Finish your payments and the title is yours again, free and clear.
Start My Application
Car title loan at a glance
CollateralFully-paid car, truck, van or SUV
You keep the vehicleYes, drive it for the life of the loan
Loan amountBased on vehicle value (year, make, model, km)
Credit checkFlexible, bad credit accepted
RepaymentFixed instalments matched to your pay cycle
What we needOwnership, insurance, valid Ontario licence
Quick & straightforward

How a title loan works

1

Tell us about your car

Apply online with your vehicle's year, make, model and mileage. We'll assess its value the same day.

2

Get your offer

We confirm the vehicle and your details, then present a clear loan offer: amount, payments and term, no surprises.

3

Cash in your account

Sign, receive your funds by direct deposit, and drive home in the same car you arrived in.

Car title FAQ

Common questions

Do you keep my car during the loan? +
No. You keep and drive your vehicle for the entire term. We register a lien on the title, which is removed as soon as the loan is fully repaid.
How much can I borrow against my car? +
It depends on the vehicle's market value: year, make, model, mileage and condition all factor in. Apply online and we'll give you a firm number quickly.
My car still has financing on it. Can I apply? +
Title loans require a fully-paid vehicle. If you're close to paying it off, call us at 416-633-2408. Depending on the remaining balance, there may still be options.
Is a credit check required? +
Because the loan is secured, credit plays a much smaller role. A poor score or past bankruptcy generally won't stop an approval if the vehicle has sufficient value.

Your car has value. Use it.

Apply in minutes and find out how much your vehicle qualifies for. You keep the keys either way.

Apply for a Car Title Loan