Title Loans with ACE

Money when you need it most.

ACE Cash Express proudly offers title loans or title pawns in participating stores. Learn more about title loan or title pawn availability and the loan requirements below.

What is a Title Loan or Title Pawn?

A title loan, or title pawn depending on your state, is a loan where a vehicle title is used as collateral in exchange for the loan amount. The amount that you receive and the availability of a title loan differs for each state. In some states, title loans and title pawns are not available. Learn more about your state, and requirements, below.

Where are Title Loans and Title Pawns available?

Your state may offer either title loans or title pawns.

You can apply for a title loan in-store in Arizona, Louisiana, Oregon, Tennessee, and Texas.
Select a state above to learn more.

Why choose ACE Cash Express?

Getting a title loan at ACE has plenty of benefits:

Fast and easy application.
Instant loan decision.
You get to keep driving your car.
Cash on the spot.¹

What you need to apply for a Title Loan

To apply for a title loan in-store, you will need the following:

Clear title in your name.
Valid government-issued photo ID.
Steady source of recurring income payments.

You can apply for a title loan in-store in Arizona, Louisiana, Oregon, Tennessee, and Texas.

Select a state above to learn more or search for the closest ACE Cash Express location near you.

Risk-Free

Loans at ACE come with a 72-hour satisfaction guarantee. So, if you change your mind about your loan, just return the principal within 72 hours and pay nothing more.

In Ohio, you have until 5 PM CT on the third business day after receiving your funds to cancel your loan. For example, if you take out a loan on Monday, you have until 5 PM CT on Thursday to cancel your loan.

Find Title Loans at ACE near you

Licenses and Rates: View our state license and short-term lending rates.

FAQs: Find answers to common questions about loans.

More Information: More details about how to use loans.

Requirements: View our minimum requirements for being approved for a loan.

All loans subject to approval pursuant to standard underwriting criteria. Not all consumers will qualify for a loan or for the maximum loan amount. Loans should be used for short-term financial needs only, not as a long-term financial solution. Customers with credit difficulties should seek credit counseling. Loans in Texas arranged by ACE Credit Access LLC, and all such loans are made by, and subject to the approval of, an unaffiliated third party lender. Terms and conditions apply.

Our credit decision on your application may be based in whole or in part on information obtained from a national database, including, but not limited to, TransUnion, Equifax, LexisNexis, and/or FactorTrust, Inc.

ACE Elite Plans	ACE Elite Pay-As-You-Go Plan	ACE Elite FeeAdvantage Plan (Monthly)	ACE Elite with Direct Deposit FeeAdvantage Plan⁴ (Monthly)
Cost of Fee Plan	N/A	$9.95	$5.00
Signature Purchase Transactions	$1.00 each	included	included
PIN Purchase Transactions¹	$2.00 each	included	included
Average Cost Per Month	$15.00³	$9.95	$5.00
ATM Cash Withdrawals (Domestic)²	$2.50 each	$2.50 each	$2.50 each

Goodbye to Hidden Fees Fees Related to the Service: Refunds are at par. None of the fees shown are assessed by MetaBank or the Card Association. ATM withdrawals may be subject to varying daily limits at the ATM owner's discretion.	ACE Elite™ Pay-As-You-Go Plan	ACE Elite™ FeeAdvantage™ Plan (Monthly)	ACE Elite™ with Direct Deposit FeeAdvantage™ Plan (Monthly)
Card Purchase Fee	$0	$0	$0
Plan Fee	N/A	$9.95	$5.00* *To be eligible for this optional fee plan, have $500 deposited during one calendar month.
Signature Purchase Transaction Fee	$1.00 each	included	included
PIN Purchase Transaction Fee	$2.00 each	included	included
Balance Inquiry Fee: via toll-free number (automated service) via toll-free number (customer service agent) at ATM online via Anytime Alerts™^**	$0.50 each $0.50 each $0.50 each Free Free	$0.50 each $0.50 each $0.50 each Free Free	$0.50 each $0.50 each $0.50 each Free Free
Bill Payment Fee	In addition to the one or more no-cost bill payment methods made available through third-party service providers, a full range of options and applicable fees appear at the Site.
Stop Payment Fee for Preauthorized Payment	$10.00 each
Domestic ATM Cash Withdrawal	$2.50 per withdrawal, plus ATM owner fees, if any
International ATM Cash Withdrawal	$4.95 per withdrawal, plus ATM owner fees, if any
ATM Transaction Decline Fee	$1.00 each

Direct Deposit	Free
Add cash, checks or withdraw cash at a NetSpend Reload Network location	Convenience fee determined by location
Bank Transfer	Free; transfer fees from the originating bank may apply
Instant Bank Transfer	$5.95 each (deducted from the transferor's debit card account
Account-to-Account Transfer via text message or online	Free; standard text message rates may apply
Account-to-Account Transfer via toll-free number (automated service)	$1.00 each
Account-to-Account Transfer via toll-free number (Customer Service Agent)	$4.95 each

Check or Additional Statement Mailing Fee	$5.95 each
Additional Card Fee	$3.95 each (standard Card)
Additional Card Fee		$4.95 each (custom Card)
Lost, stolen or damaged Card Replacement Fee	$3.95 each (standard Card)
Lost, stolen or damaged Card Replacement Fee		$4.95 each (custom Card)
Account Maintenance Fee	$5.95 per month (fee applies if Card Account has not had any activity, that is, no purchases; no cash withdrawals; no load transactions; or no balance inquiry fee for 90 days)