Car Title Loans

  • Get up to $25,000 online
  • No credit checks required
  • No store visit required
  • Keep driving your car while making payments
Apply Now
Won't affect your credit score

Online title loans in Idaho

Get the money you need without the hassle. Sound Financial makes applying online for a title loan in Idaho simple, safe, and secure.

Instant decisions

Apply online and get an instant decision within seconds.

Same-day funding

Get your funds deposited in your account as soon as today.

Secure application

Your data is protected with bank-level encryption.

Idaho rates and terms

Full transparency is our goal at Sound Financial. Get access to the interest rates and terms to help you make a sound financial decision.

Loan amount

$200 - $25,000

Repayment term

30 - 180 days

APR range

36% - 350%

* Loan amount, repayment term, and APR shown are for representative purposes only. Your actual rates and terms will be determined by your lender based on your creditwortiness and other factors.

How title loans work in Idaho

Few things are more stressful than being hit with a surprise bill or expense, especially if you're already short on cash. If you need a quick loan here in the great Gem State of Idaho, consider applying for a title loan. With a title loan, you can receive the cash you need today so you can handle your financial matters as quickly as possible.

What is a title loan?

A title loan is an excellent option for people who own their car to receive the money they need when they need it. If you own your vehicle and the title is in your name only, you can use it as collateral to secure a title loan. It's worth mentioning that auto title loans are a form of short-term financing and you risk losing possession of your vehicle if you don't repay your loan.

Learn: Can you get a title loan with bad credit?

Idaho title loan requirements

To begin your application for a title loan, you will need the following:

  • An Idaho driver’s license or state-issued ID
  • A lien-free vehicle title
  • Proof of income
  • Proof of residency in Idaho
  • A running vehicle

Learn: Can I get a title loan without the title?

You must also verify that you are not serving in the United States military and that you are at least 18 years old.

The title loan process

You only need to complete six steps to secure a car title loan. Most borrowers can complete this process in less than an hour:

1. Application

After determining if you meet the requirements, submit an application to tell us more about yourself and your vehicle.

2. Verification

Once you have completed the application and gathered all the necessary documents, your lender will verify your information.

3. Inspection

During the inspection, your lender will send someone to inspect your vehicle to determine its worth, verify that it's in working condition, and that any modifications made are legal in Idaho.

Learn: Can you get a title loan with a damaged car?

4. Agreement

During this step in the process, your lender will create a contract detailing the amount of your loan, your repayment plan, and the time you have to make those payments. All parties will sign this contract.

5. Disbursement

Upon signing, you will receive your loan as a bank transfer or a check.

Learn: Can you get a title loan without a bank account?

6. Repayment

Once you have received your cash, you will then have a specified amount of time to repay your title loan. Once your loan is paid off, you'll receive your title back.

Learn: What happens if you don’t pay a title loan back?

How title loans are regulated in Idaho

Title loans in Idaho are currently regulated under Idaho Code § 28-42-101 et seq.

Interest rates

Currently, there is no cap on the interest or fees a lender is able to charge on a title loan. This regulation means lenders can charge triple-digit APRs on car title loans in Idaho.

Repossession laws

In Idaho, if the borrower fails to pay their loan, the lender must send a written notice after the first missed payment. If the borrower cannot pay within ten days after receiving the written notice, the lender has the legal right to repossess the borrower's vehicle.

The lender will then sell the car to fulfill the borrower's debt. However, if the amount gained from the vehicle sale does not satisfy the outstanding amount, the borrower must make up the difference.

Cost considerations and title loan alternatives

The cost of a title loan in Idaho is dependent on your loan amount and your APR. Here are a few examples to help illustrate the true cost of a title loan.

  • Example 1: You borrow $1,500 at an APR of 300% and pay it back in 30 days.
    If you took out a $1,500 loan and paid it back in 30 days, you would pay a total of $1,875 back to your lender in 1 payment. In this example, you’re paying $375 in finance charges to borrow $1,500.
  • Example 2: You borrow $1,500 at an APR of 300% and pay it back in 6 months.
    If you borrowed $1,500 and paid it back in 6 months, you would pay a total of $3,049.38 back to your lender in 6 payments of $508.23. In this example, you’re paying $1,549.38 in finance charges to borrow $1,500.

Personal installment loans: A better and more affordable way to borrow money with bad credit

If you're not interested in a car title loan, there are other types of short-term loans you may apply for. For example, an installment loan is similar to a car title loan, except they usually allow the borrower a longer repayment period.

Another significant difference is that you will need to pass a credit check. However, installment loans can be a good option for those who have some credit but want to raise their credit score or those who prefer not to use their vehicle as collateral.

Frequently asked questions

Here are some of the most commonly asked questions that we get regarding Idaho title loans.

Can I qualify for a title loan with bad credit?

Yes! Having poor credit does not disqualify you from applying for a title loan.

Can I get a title loan completely online with no credit check and no inspection?

Yes! You can apply completely online with no credit checks. However, a vehicle inspection is necessary. The inspection will help your lender determine how much you can borrow.

Will I receive the funds from my title loan instantly?

Most often, borrowers will receive their money on the same day they apply if they are able to complete the application process before 2 p.m. EST.

Do you offer car title loans near me?

Yes! We offer title loans nearby through direct title loan lenders in many cities in Idaho, including:

  • American Falls
  • Ammon
  • Blackfoot
  • Boise City
  • Buhl
  • Burley
  • Caldwell
  • Chubbuck
  • Coeur d'Alene
  • Eagle
  • Emmett
  • Fruitland
  • Garden City
  • Gooding
  • Grangeville
  • Hailey
  • Hayden
  • Heyburn
  • Idaho Falls
  • Jerome
  • Ketchum
  • Kimberly
  • Kuna
  • Lewiston
  • McCall
  • Meridian
  • Middleton
  • Moscow
  • Mountain Home
  • Nampa
  • Orofino
  • Payette
  • Pocatello
  • Post Falls
  • Preston
  • Rathdrum
  • Rexburg
  • Rigby
  • Rupert
  • Salmon
  • Sandpoint
  • Shelley
  • Soda Springs
  • St. Anthony
  • Star
  • Twin Falls
  • Weiser
Customer reviews

Success stories from real people like you

Read real reviews from the many satisfied customers who chose Sound Financial for a title loan.

Jameson W.
star star star star star

I have taken out a title loan in the past and I can say much better experience with Sound.

Yusef K.
star star star star star

First time getting a title loan and this site made it super easy. They were upfront about fees and payments, which was hard to find, and the process was smooth.

Dennis M.
star star star star star

Best place to get this type of financing, hands down!

George V.
star star star star star

I appreciated the transparency and honesty of this marketplace. No hidden fees or surprises and exceedingly good customer service. A more than positive experience!

Paulina S.
star star star star star

Helped me find the right loan for my situation and did well in answering all my questions. 5⭐s!!!!

Jaime B.
star star star star star

I’ve been around the block a few times w/ these types of online loans and Sound is refreshing. Didn’t feel like I was being taken and it felt like they genuinely had my best interest at heart.

Ian G.
star star star star star

Ran into money trouble and came to Sound Financial for a title loan. Was pleasantly surprised by their quality of service (not typical). Very appreciative.

Creisha J.
star star star star star

Glad to see that there is a company out there that actually cares for borrowers with bad credit. 🤗❤️ Thank you!!

Antoinette C.
star star star star star

M/O 3 here with lackluster credit, so a title loan was my only resort. Sound helped me find a lender AND understand how to properly manage my repayment. Forever grateful.

Roderick T.
star star star star star

PROS: I was able to keep my car, fantastic customer care, site gave me all the pertinent details… CONS: None… Add me to the “another satisfied customer” list.

Idaho title loans in 30 minutes or less.

Get the cash you need with our fast and flexible title loans. Apply now and see how we can help you today.

Apply Now