Are Title Loans Allowed in Ohio?

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So, are title loans allowed in Ohio? The short answer is yes. Title loans are available in Ohio, but it comes with some restrictions. For example, Ohio law sets a maximum loan term for borrowers of 180 days. Federal laws do not regulate title loans, it is up to the state to decide what the laws are! 

However, Ohio law also determines if renewals and rollovers are allowed, the limit on maximum and/or minimum title loan amount and terms for repayments, and any penalty fees. Not to mention, they also regulate what the lender can do in the case of a defaulted payment.

Max Cash Title Loans can connect individuals to thousands of verified title loan lenders online. For most borrowers, the process takes less than a day and requires minimal paperwork and time.5 Give us a call today to see if your income and vehicle can potentially qualify for the cash you need!5

What are the Requirements for Title Loans Allowed in Ohio?

Financial institutions in Ohio usually ask for mountains of paperwork to be filled out; the process is lengthy and a hassle. However, the convenient thing about Max Cash Title Loans is that you only need a few pieces of paperwork to find out if you can get connected to a great deal on a title loan.4,5

Typically, these are the requirements for a car title loan in Ohio:

  • A clear vehicle title with your name on it. 
  • Application form 
  • Photos of the car
  • proof of income
  • A Government-issued ID
  • Proof of residence
  • Bank account information (not always required, depending on the lender)
  • Proof of valid vehicle insurance and registration (also, depends on lender)

Max Cash Title Loans works with people of all types of credit scores, okay credit, bad credit, and even no credit.5 Don’t let your credit history stop you from getting approved. Let’s get started today on your loan application and get a loan amount that works for you in Ohio! 

What Can a Title Loan Be Used for in Ohio?

Obviously, if you are struggling to make ends meet, you are likely searching for a financial resource that can help you get back on your feet. Title loans allowed in Ohio can be used for various things, although some restrictions exist. But, you may find that many borrowers in Ohio have been in the same position as yourself. Here are a few ways you can spend your title loan funds:

  1. Wedding Expenses
  2. Travel Costs
  3. Debt Consolidation
  4. Medical Bills
  5. Car Repairs
  6. and More!

How Long Does it Take to Get Approved for a Title Loan in Ohio?

If you were looking to learn more about title loans allowed in Ohio,m you may also be curious about the repayment process. Firstly, you should be happy to know that most of the title loans are now accessible online for your convenience!  Secondly, after you submit your initial loan inquiry online or over the phone, the next step would be to send all of the required documents in. That can be done via email or text for your convenience. The faster you send that information, the faster we can get started on your new auto title loan and get your money.5 

If you are  approved for a cash loan, you can get your money in a variety of ways, like:

  • By Direct Deposit into your bank account
  • By Check.

How Does The Repayment Process Work if Title Loans are Allowed in Ohio?

Firstly, your repayment terms will be determined by the loan officer and approved by you. However, payment plans can be flexible depending on the lender you choose.5 You can choose to make your payments early, pay them off over time, or pay off the entire loan immediately.4 If, for some reason, you are unable to make your monthly payments, you can call your loan officer and let them know that you would like to review your repayment options. 

Key Points: 

  • Firstly, title loans in Ohio are regulated by Ohio Rev. Code Ann. 1321.35 et seq.
  •  Secondly, federal laws don’t regulate title loans, it’s the responsibility of each state. 
  • Thirdly, your repayment terms will be determined by the loan officer and approved by you within the limits of the law. 
  • Lastly, Max Cash Title Loans can help you navigate and answer any questions and concerns.

Why Work with Max Cash Title Loans?

If you are a resident of Ohio looking for a way to get the cash you need, don’t wait to apply! You have the chance to get connected to thousands of online title loan lenders through Max Cash Title Loans. Finding a great deal on a title loan has never been easier!5 

We take pride in what we do, we work with direct lenders to provide you with excellent customer service and competitive interest rates and always have your best interest in mind.4,5