Vehicle Equity / LTV Estimator
Adjust the inputs to see an illustrative decision aid. Actual offers and legal terms control.
VEHICLE-SECURED AND STATE-DEPENDENT
Vehicle Title Loan Options
A title loan uses an eligible vehicle as collateral. Check state availability, estimated equity, repayment and the risk to the vehicle before starting a request.
Collateral riskFailure to meet the agreement can put the vehicle at risk of repossession.
Title statusOwnership, lien and title requirements depend on state and product.
Vehicle useExplain whether the customer keeps the vehicle during repayment.
1. Check availabilityAmount + ZIP
2. Compare costFees, APR, total repayment
3. Check payment fitTiming + repayment burden
4. Review written termsAccept only after full disclosure
Compare related online products
The right product depends on state rules, amount, repayment structure and affordability. Compare the alternatives before continuing.
Personal LoansMulti-purpose borrowing with monthly payments; compare APR, fees, term and total cost.Installment LoansMultiple scheduled payments with a defined term; compare payment and total repayment.Emergency Loan OptionsMatch urgency to cost and repayment instead of choosing by speed alone.Non-Loan AlternativesCompare payment plans, assistance and other lower-risk ways to handle the expense.
Interactive decision tool
Estimate equity—not a guaranteed loan amount
Vehicle Equity / LTV Estimator
The tool explains the difference between market value, outstanding lien and potentially usable equity.
What you enter
- State
- Year/make/model/mileage
- Estimated market value
- Existing lien balance
- Product-specific advance percentage
What you see
- Estimated equity
- Illustrative product range
- Payment/term preview
- State availability warning
- Documents still needed
How the result guides you
The estimate is labeled “illustrative only.” A final amount requires product eligibility and vehicle/title verification.
What is clear before you continue
Collateral risk
Failure to meet the agreement can put the vehicle at risk of repossession.
Title status
Ownership, lien and title requirements depend on state and product.
Vehicle use
Explain whether the customer keeps the vehicle during repayment.
Cost
Show APR, fees, payment schedule and total repayment.
Insurance/inspection
State any requirements before collecting sensitive information.
Alternatives
Compare unsecured installment/personal options and payment plans.
A title-loan request flow
1
Check state/product availability — A title-loan request appears only where the product is lawfully available and currently offered.
2
Estimate vehicle equity — Use vehicle information and existing lien balance.
3
Verify identity, title and vehicle — Required documents and inspection method are explained in advance.
4
Review the complete agreement — Focus on payment, total cost, lien terms and repossession rights.
5
Maintain the repayment plan — Provide payment reminders and early-contact guidance for hardship.
Compare the collateral trade-off
| Option | Key trade-off |
|---|---|
| Title loan | Vehicle secures the obligation; potential access depends on equity and state rules. |
| Installment loan | Often unsecured; payment and total cost depend on offer and term. |
| Personal loan | Multi-purpose and usually unsecured; may involve different credit criteria. |
| Payment plan / assistance | No new lien; may be available directly from the biller or service provider. |
Vehicle-risk checkpoint
Transportation dependence
If the vehicle is essential for work, medical care or childcare, the collateral risk is especially significant.
Payment cushion
Budget for insurance, fuel, repair and loan payment together.
Exit plan
Know how the lien is released after payoff and how to obtain confirmation.
Check the state and collateral risk before the request
Estimate usable equity and compare at least one unsecured alternative.
FAQs, provider details & source notes
Questions customers commonly ask
Can I get a title loan in every state?
No. Availability, licensing and product structure vary substantially by state.
Is the estimator a guaranteed amount?
No. It is an illustration based on customer-entered value and lien information.
Can I keep driving the vehicle?
Product terms vary. The possession and vehicle-use arrangement is stated before the request.
What is the biggest risk?
The vehicle is collateral and may be subject to repossession if the agreement is not repaid as required.
Who provides the product shown
Before you continue, MVP identifies the legal provider or service role for the product available in your state. The written agreement names the party that makes or arranges the credit, identifies who makes the credit decision, and lists the charges, payment schedule and contact information that control the transaction.
Primary sources
CFPB — Consumer tools: View source →
CFPB — Payday loans and short-term borrowing: View source →
FTC — Loan scams: View source →
CFPB — Regulation Z / Truth in Lending: View source →
Customer reviews
4.6/5
879 reviews
I used the site from my phone and didn’t run into much trouble. I liked being able to see the payment information before deciding.
SR
Sandra ReyesDebt Consolidation
I was surprised by how straightforward the process felt. The identity check was a little annoying, but I understand why they do it.
AM
Amanda MartinCash Advance
I was surprised by how straightforward the process felt. Did everything on my phone, which was convenient. I still read the repayment details carefully, but there were no surprises for me.
LA
Laura AllenPayday Loans
The whole thing was easier than I expected. The online form was easy to follow and I didn’t have to guess what came next. No long story here — it did what I needed it to do.
JH
Joanna HarrisInstallment Loans
I had an unexpected expense come up and this was simple to work through. The repayment dates were easy to follow and lined up reasonably well with my paycheck.
KC
Kevin ColemanPersonal Loans
Read the terms, not only reviews
- Check total cost and payment dates
- Confirm state availability
- Review approval and funding conditions
- Compare alternatives before borrowing
Review the cost, terms and fit before you decide
Keep your amount, state and repayment preference in view as you continue through MVP Cash Advance.