Get A Car Title Loan In Wisconsin

Getting a title loan in Wisconsin is relatively easy if you have equity in your vehicle, and you can qualify for funding in less than 24 hours when applying with Highway Title Loans. A paid-off vehicle secures a title loan, and a lender places a lien on the car once the loan is funded. You'll make monthly payments to pay the balance, and you can keep driving your vehicle while making monthly payments on your loan.

Are you wondering how easy it is to get a car title loan in Wisconsin? These loans are possible for anyone with a vehicle valued at over $4,000, with loan amounts ranging from $2,000 to $20,000. A credit check is sometimes needed when you apply for a title loan, but it's not the main requirement, and most applicants can get approved with minimal credit requirements. Are you looking to learn more about how these auto title loans work and the essential requirements in WI?  Read on to find out what you need to know!

What Is Required For A Title Loan In Wisconsin

Vehicle Ownership. You'll likely qualify for a Wisconsin title loan if you own a vehicle with equity. This is the main requirement for any title loan, and you should have minimal issues if the car has a resale value of $4,000 or more.

Clear Title and Registration. In addition to owning a vehicle, a borrower needs a clean and clear title indicating no outstanding liens on the car or other cosigners. The vehicle's registration should also be updated with the Wisconsin DMV.

Proof of Income. Can you verify your monthly income? We need to know how much you make monthly, and this can be done with pay stubs, employer records, or other income documents.

Identification and Age. Applicants must provide a state-issued ID or driver's license identifying them as Wisconsin residents. These documents must show they meet the minimum age requirement set by the lender (usually 18 years or older in WI).

Vehicle Inspection. Although every title loan does not require a vehicle inspection, these are common for title loans and title pawns in Wisconsin with loan amounts over $2,000. Complete your inspection at locations in Milwaukee, Madison, or Green Bay.

Interest Rates & Repayment Terms For Title Loans In Wisconsin

The Wisconsin Consumer Act regulates title loan companies in Wisconsin, and all licensed lenders must follow the state limits on interest rates and loan terms. As of 2025, interest rates are capped at 3% monthly for title loans in Wisconsin, and while your repayment term is not capped, most customers pay off their loan in less than 36 months. Monthly payments are set per how much you make each month, and some lenders offer loan amounts over $20,000 for well-qualified vehicles.

Are you worried you won't qualify for a title loan because you don't have a full-time job? Title loan lenders in Wisconsin won't ask for employment records, but they'll still want to know that you have a reliable source of monthly income. Even if you make $1,000 a month, that may be enough to qualify for a title loan of $3,000 or more.

Call Highway Title Loans at 877-433-5454, and we'll estimate your loan amount and monthly payment options. All we need is your vehicle information to get you a payoff quote, and most applicants in Wisconsin for a low-interest title loan with a newer lien-free car as collateral!

Apply For A Title Loan Online Or With A Local Lender in Wisconsin

Local companies offering car title loans in Wisconsin can start your application online, and Highway Title Loans can provide fast approval with a lending estimate in less than 30 minutes. Since 2014, Highway Title Loans has worked with customers in Wisconsin, and we can connect you with a neighborhood title loan company in Appleton or Kenosha. It doesn't matter where you live within the state, and we can even get you started over the phone at 877-433-5454.

Of course, some people are more comfortable submitting an application in person with a local lender, and Highway can also help you there, as we work with direct lenders throughout the state! Most auto title loan companies can get everything approved simultaneously, as you would expect online. The added benefit of working with a title loan company in your neighborhood is that you can complete the vehicle inspection at the same time when you first get pre-approved. Whichever option you choose, a licensed lender in WI will fund your loan with the opportunity for you to get fast cash through direct deposit in one business day!

Auto Title Loans In Wisconsin With Bad Credit

Before you contact a lender, it’s essential to know that most companies will approve you for a car title loan with bad credit. Past bankruptcy or multiple title loan defaults can be problematic. However, even in those cases, you can still get approved for loan amount of $3,000 or less if you have enough equity in your car, truck, or motorcycle!

Vehicle title loans in Wisconsin can be a win-win situation for you. They are fast and easy, and the only alternative you have for some money is a bevy of high-priced personal loans that all require excellent credit. These other financing options take weeks to get approved; even then, your loan amount may be less than $1,000.

Apply With Highway Title Loans

Applicants in Wisconsin can apply for Highway Title Loans and get instant cash approval for their vehicle without leaving their homes! We offer a flexible application process where you can submit your vehicle details entirely online and get a quote with payment options that same day. Pick up the funds in Milwaukee or anywhere else throughout the state on that same day of business. Call 877-433-5454 or apply online for a loan based on your vehicle's value today!

Cities In Wisconsin:

• Appleton
• Eau Claire
• Green Bay

• Kenosha
• Madison
• Milwaukee