car keys

How Do Cash Loans on Car Titles Work?

Get up to $10,000 Cash

Cash-2-U provides residents throughout Virginia with easy access to payday loan alternatives, like car title loans and revolving lines of credit. The application process is quick and painless, but because it’s a relatively new form of financing, many of the people who need it go without.

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Use Your VA Title Loan for Emergency Funding

Unlike traditional financing, you can use title loan funds for any purpose you choose. Cash-2-U considers your income and your car’s age and condition when approving or denying loans. We don’t assess your risk depending on your intended purchase, but on current conditions. This makes it easy for our associates to approve your funding in just a few minutes and to establish a repayment plan that works with your real budget.

Person holding empty wallet in need of emergency funding

Need money for medical bills? Suffer a surprise spike in your utility bills? Need cash for a last-minute purchase you can’t do without? Cash-2-U is here to help, and we make the process as simple as possible. Feel confident and secure obtaining a car title loan. Let us explain exactly how our cash loans on car titles work:

Bring in the required documentation.

Because auto-title loans can only be applied for in-person, we’ve made sure to have a location near you. With 19 loan places in Virginia, please locate the branch nearest you. The documents we typically need to process a loan application include:

  • State license or ID
  • Social security card
  • Pay stub, tax return or award letter
  • Clean car title

We understand that paperwork can be misplaced, so talk to us if you need to make any substitutions. We can often verify information using alternative sources when needed.

Allow your car to be inspected.

Title loans use your car title as collateral for the money borrowed. They let you get the cash you need while you stay behind the wheel. Applicants must have full ownership of an automobile in decent condition, but we don’t expect your car to be brand new or without any problems. The vehicle used to secure your loan must:

  • Be less than 20 years old
  • Be owned by the applicant, meaning your name must be on the title
  • Be free of any liens
  • Meet the age and condition guidelines required for the financing requested

In addition, depending on your branch location, you’ll need to show proof of at least $800 – $1,000 of monthly income.

Once approved, you walk out with the cash you need and keep possession of your car, making it easy for you to stay employed and capable of repaying your loan on time.

Repay Your Loan in up to 12 Months

Cash-2-U strives to be a community resource, and for that, we go the extra mile when it comes to designing realistic repayment plans. While we give you up to a year to pay your loan off, we also have a no-penalty early repayment policy. That means you can pay off your title loan in as little time as necessary and you won’t be surprised by ridiculous fees or interest, as you would with some of our competitors. Ask us about our three-tiered interest program and the many ways we can help your monthly payments stay within your budget.

Stack of one-hundred dollar bills

You can also stay up-to-date with our interest rates and repayment terms. We know a knowledgeable customer is one who thrives, so take your time when deciding on the best financing options available to you. For many consumers, a title loan allows for additional freedom and stress-free lending while you access the funds you really need.

Use Cash for Car Title Loans to Improve Your Financial Future

In addition to covering emergency expenses, you can use a car title loan smartly to rise out of the rat race and put an end to living from one paycheck to the next. Cash-2-U provides you with reliable alternative financing, but it’s easy to use the funds together with traditional banking. For instance, you can:

  • Prevent checking account overdrafts and returned checks
  • Keep your bank balance high enough to avoid monthly fees
  • Put a deposit down on a secure credit card
  • Automate the repayment of your financing through online banking


Get started right away by finding the closest Cash-2-U branch near you for a quick and convenient Virginia title loan today!

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Due to recent law changes in Virginia, Cash-2-U Financial Services is no longer offering loans