What Types of Vehicles Can Be Used for Title Loans?

Title loans are a type of secured loan where borrowers use their vehicle as collateral to obtain funds from a lender. This form of lending has gained popularity in recent years due to its accessibility and relatively straightforward application process. Here are the types of vehicles that can be used for title loans:


Cars are the most common type of vehicle used for title loans. This includes many vehicles, like compact, SUVs, and luxury cars. Whether you own a sedan, hatchback, coupe, or convertible, your car can likely be collateral for a loan. The loan’s value is typically determined by its make, model, age, condition, and market value.

Lenders will often require you to provide the car’s title, which should be in your name and free of any liens or existing loans. Your vehicle should have a certain amount of equity, meaning its value exceeds any outstanding loans or liens.


Larger commercial trucks or pickups are also commonly accepted as collateral for loans. Similar to cars, the value will influence the loan amount you can obtain. Trucks are especially valuable for borrowers needing larger loan amounts due to their higher market value. Make sure the truck’s title is in your name and there are no existing liens or loans against it.


Motorcycles are another type of vehicle that can be used for a loan. Whether you have a sportbike, cruiser, touring bike, or any other type of motorcycle, it may qualify as collateral. Keep in mind that motorcycles often have a lower market value than cars and trucks, affecting the loan amount you can obtain.

As with cars and trucks, you must have a clear title for the motorcycle in your name. The lender may have specific requirements regarding the age and condition of the bike. A motorbike loan from Georgia Title Loans can be a better option if you own a motorcycle that is paid off. 

Recreational Vehicles (RVs)

Some lenders also accept recreational vehicles (RVs) as collateral for title loans. RVs can include motorhomes, travel trailers, campers, and similar vehicles. These types of loans can benefit individuals who own RVs and need access to cash.

Keep in mind that the loan amount may be influenced by the age and condition of the RV, as well as its market value.

Boats and Watercraft

In some regions and with specific lenders, boats, and watercraft may also be eligible for title loans. Boats can range from small fishing boats to luxury yachts. To qualify, you must have a clear and unencumbered title for the boat or watercraft. 

ATVs and Off-Road Vehicles

In select cases, all-terrain vehicles (ATVs) and other off-road vehicles can be used as collateral. ATVs, dirt bikes, and other recreational off-road vehicles may be eligible.

Specialized Vehicles

Some lenders may consider unique or specialized vehicles for loans, such as classic, vintage, and custom-built cars. These vehicles often have distinct market values, and their eligibility for a loan will depend on the lender’s policies, the vehicle’s condition, and value.

Visit Georgia Title Loans Today

At Georgia Title Loans, we have a simple and quick application procedure. After submitting your application online, bring in your car, the title, driver’s license, and other necessary paperwork. You can drive away with the money and make the agreed-upon installments when we decide how much you qualify for. Contact us today for a loan.