If you need quick cash, motorcycle title loans can be a convenient solution. Similar to car title loans, these loans allow you to use the equity in your motorcycle to secure funds, even if you have bad credit. With same-day funding available, you can access money quickly without giving up your motorcycle.
TFC Title Loans has been helping borrowers nationwide since 1994, connecting you with licensed lenders to find the best loan terms, competitive rates, and flexible repayment options.
What Is a Motorcycle Title Loan?
A motorcycle title loan is a secured loan that uses your motorcycle’s title as collateral. The loan amount is based on your motorcycle’s value, not your credit score, making it accessible even for borrowers with poor credit.
Key Features:
- Keep riding your motorcycle while repaying
- Fast approval and same-day funding
- Flexible repayment terms based on your needs
Emergency motorcycle title loans are ideal for:
- Emergency expenses
- Unexpected bills
- Short-term cash flow needs
How Motorcycle Title Loans Work
Getting a motorcycle title loan is simple and straightforward, this is how title loans work:
- Apply Online: Submit your application with your personal and vehicle information.
- Provide Documents: Include your motorcycle title, proof of insurance, ID, and proof of income.
- Loan Evaluation: Lenders assess your motorcycle’s value and determine your loan amount.
- Receive Funds: Get cash directly via direct deposit or pick up at a partner location—often the same day.
- Repay Loan: Make payments according to your agreed schedule and retrieve your title once fully repaid.
If you fail to repay, the lender has the right to repossess the motorcycle to recover their losses.
Benefits of Motorcycle Title Loans
Motorcycle title loans offer advantages over other short-term financial options:
- Fast Funding: Receive cash in as little as one business day
- No Credit Required: Approval focuses on your motorcycle’s value
- Keep Your Motorcycle: Continue riding while repaying
- Flexible Terms: Options range from 24–36 months
- High Approval Rates: Accessible for borrowers with low or no credit
Types of Title Loans We Offer
TFC Title Loans offers a variety of vehicle-based title loans, giving you options to fit your financial needs:
- Car Title Loans: Secure a loan using a car, SUV, or sedan.
- Motorcycle Title Loans: Use your motorcycle as collateral for fast cash.
- RV & Recreational Vehicle Loans: Borrow against motorhomes, campers, and trailers.
- Commercial Vehicle Title Loans: Use work trucks, vans, or fleet vehicles to access funds.
- Classic & Specialty Vehicle Loans: Loans for collectible, vintage, or specialty vehicles.
- Installment Title Loans: Spread payments over time for manageable monthly installments.
- Single-Payment Title Loans: Full repayment in a lump sum, often within 30 days.
- Pink Slip & Vehicle Equity Loans: Borrow based on the equity in your vehicle rather than total value.
- Online Title Loans: Apply, upload documents, and get approved completely online.
Motorcycle Title Loan Refinancing
If you already have a motorcycle title loan, refinancing may help you:
- Lower Monthly Payments: Spread out payments to fit your budget
- Extend Loan Terms: Gain extra time to repay without penalties
- Reduce Interest Costs: Refinance at a lower rate, if available
Refinancing is especially useful if your financial situation has improved or your motorcycle’s value has increased since the original loan. TFC Title Loans connects you with lenders who offer refinancing options to help you save money and regain flexibility.
Eligibility Requirements
You can use our title loan calculator, to see you monthly payments, and how much money you can get.To qualify for a motorcycle title loan, you typically need:
- Clear Motorcycle Title: Fully paid off with no existing liens
- Valid Government-Issued ID: Driver’s license or other official ID
- Proof of Income: Demonstrates ability to repay
- Proof of Insurance: Motorcycle must be insured
- Bank Account (optional): Needed for direct deposit in some cases
- Credit Score: Often not required; lenders focus on vehicle equity
Note: Requirements may vary by lender and state. Always check specific lender guidelines, all of our lenders, comply with the CFPB.
Frequently Asked Questions
Can I get a motorcycle title loan with bad credit?
Yes. Approval is based on your motorcycle’s value, not your credit history.
How do I apply for a motorcycle title loan?
Apply online, over the phone, or by texting a representative. Submit your motorcycle title, ID, proof of insurance, proof of income, and photos of your bike.
What are the benefits of using TFC Title Loans?
Quick approval, competitive rates, same-day funding, and expert guidance from a licensed broker with over 30 years of experience.
How does a motorcycle title loan compare to a car title loan?
Both provide fast cash using your vehicle as collateral. Motorcycle title loans work the same way and are equally convenient for emergency financial needs.
Can I refinance my motorcycle title loan?
Yes. Refinancing can lower your payments, extend repayment terms, or reduce interest costs.
Visit our FAQ page for more title loan information.
Why Choose TFC Title Loans
Since 1994, TFC Title Loans has been helping borrowers access fast cash using vehicle equity. We are a licensed title loan broker, connecting you with trusted lenders across the U.S.
Why work with us:
- Largest nationwide network of licensed lenders
- Transparent loan terms with no hidden fees
- Flexible repayment options and refinancing solutions
- Fast, same-day funding and online applications
- Expert guidance from a trusted, experienced broker
Get Started Today
Whether you need an emergency motorcycle title loan or want to refinance your existing loan, TFC Title Loans makes it simple. Apply online today and get cash quickly, safely, and responsibly.
Apply now and see how much you can qualify for with your motorcycle!
