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If you own and insure your vehicle, you can borrow as much as $50,000 against its title.

You keep driving and get the cash you need!

Our lending specialists will assess your vehicle and loan you the cash you need. We don't do credit checks because your vehicle is your credit! As long as you own and insure the vehicle, we can lend against its value, no other questions asked.

Once you're approved, you will receive your money in as little as 24 hours. It's that easy!

How it Works

Title Loan Example

A borrower needs $1,000 for an emergency home repair. They use their car title as collateral. They make monthly payments including $30 interest at 36% APR.

They pay $1,360 in total. At the end of 12 months, their title is returned to them!


There's value in your vehicle. Title loans unlock that value as collateral for short-term loans. Depending on the value of your vehicle, you can borrow between $1,000 and $5,000.

Got other valuables to use as lending collateral?

Try a Collateral in Possession loan!


Get your title loan, Fast

Title loans aren't just for cars. You can borrow against the titles of:

  • Cars and trucks
  • Semi trucks
  • Heavy-duty equipment
  • Boats
  • RVs
  • …And more!


Title Loan Requirements

  • Your vehicle must be fully owned by you — free and clear of liens and leases.
  • Most vehicles must be less than 10 years old and under 200,000km. Some exceptions may apply.

  • Vehicle must be fully insured with collision and comprehensive coverage
  • Vehicle must be in good mechanical and physical condition
  • We will need a set of keys for the vehicle
  • You must present two pieces of government issued ID (drivers license, birth certificate SIN card, health card, etc.)

Real Life Case Study

At uLoan we know that unexpected costs happen! For example, Monica S. came to uLoan when her husband had emergency surgery which left him unable to work for three weeks. With little savings, this left them short for that month’s mortgage payment and bills.

They did however own their late model SUV free and clear. uLoan was able to place a charge against this asset and provide a short term loan to cover their immediate expenses, that very same day. Within three months, the husband was back to work, the loan was repaid and life was good again!


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