What Is the Minimum Credit Score for a Title Loan?

August 25, 2025

It's no secret that many people in the U.S. are dealing with money troubles. The rising costs of goods and services already make it harder to overcome a financial crisis, so you can imagine the stress of dealing with a sudden emergency. It helps to know what your options are in cases like this, and your credit score plays a huge part in determining what to choose.

What Is Credit Score?

The Consumer Financial Protection Bureau (CFPB) defines credit score as a prediction of your credit behavior, such as how likely you are to pay a loan back on time, based on information from your credit reports.

To get an estimate of a person's credit score, companies look into things like the client's bill-paying history, the amount of available credit they use, the number of loans they have taken, and whether they've met the repayment deadlines, along with any pending debt.

Most credit scores range from 300-850, with a score of 579 usually being the threshold between good credit and bad credit. If your resulting score is below this number, you're less likely to qualify for a traditional loan.

Bad Credit and Car Title Loans

It's common knowledge that loan options are limited for people with bad credit. Companies can't risk losing large amounts of money when borrowers don't have the means to pay for the loan. You won't be getting a loan from a bank or a credit union if you have a history of missing the deadline for your bills and have accrued debt because of it.


Car title loans are an appealing alternative. For one, they use the client's vehicle as collateral, so the company will be more willing to grant its approval. Moreover, companies like Quick Cash Auto Loans will only check that you have a stable source of income, so any previous debt you're carrying won't hurt your chances of getting a title loan.

What Is the Minimum Credit Score for a Title Loan?

Here's the best part! There is no minimum credit score because the company doesn't need to evaluate your credit history to calculate the loan amount. Some lenders might do a standard check of your credit, but it won't affect your eligibility for the loan. When you get a title loan, the amount of money you're granted is determined by the vehicle's condition and your ability to show proof of income.

At Quick Cash Auto Loans, we know that a sudden emergency is much more stressful when you're already struggling to boost your credit score. That's why your credit history is irrelevant to get a car title loan with us. Your ability to repay the loan is measured by your current income, especially if your vehicle has no loans in your name.

The process itself will not alter your current score in any way, and we don't report to any credit bureaus, so you can get much closer to turning things around after getting the loan money. This is all the more likely when you look at our interest rates and compare them to other loan options; with monthly rates as low as 1.50%, we provide one of the most competitive alternatives in Florida.

You can count on our specialists to help you! We are ready to support you as you work to protect your financial stability. With Quick Cash Auto Loans, you get a smooth, fast loan process, with a schedule that's tailored to your needs. Moreover, you can complete the first step of the process without leaving the house, just by filling out our website's fill out the application form (786) 600-3411 to get in touch with us. Quick Cash Auto Loans makes things easier and more efficient while getting you the money you need!