• (816) 363-8600

Frequently Asked Questions About Title Loans

What does Midwest Title Loans do?

We offer car title loans for people who need quick cash in Kansas City. All you need is a photo ID and a vehicle with a clear title, and we can get you the cash you need in as few as 20 minutes!

How does a title loan work?

  • Bring your vehicle with your title (free and clear of liens) and your photo ID to a location near you.
  • Fill out a simple information sheet while we do a quick evaluation of your vehicle.
  • We will issue a title loan based on the value of the vehicle and your ability to repay.
  • The transaction is based on a 60-day renewable contract. You have the option of renewing your account for an additional 60 days by paying at least the interest due, or you can pay your account in full. Any amount paid over the interest is directly applied to your principle loan amount.

You will promptly receive your title back once you have paid your account in full.

Who can use title loans?

Everyone. Our customers use title loans for a variety of reasons. Whether you need quick cash for unexpected household repairs, meeting employees’ payroll, or even college expenses, title loans are a fast and easy way to obtain the cash you need.

How soon can I get the loan?

You can drive away in your own car with the cash you need in as few as 20 minutes. Our quick and easy loan process offers same-day approvals with no need for credit checks or waiting periods. You can make this process even faster by filling out our Online Title Loan Info Sheet before you come in.

What are the requirements for a title loan?

At Midwest Title Loans, all you need is a vehicle with a title that is free and clear of liens and a photo ID. You must be 18 years of age or older, and the vehicle must be in your name.

What is a vehicle lien?

Essentially, a lien is any claim that another lending institution (such as a bank or lending company) has over your vehicle. In other words, if you’ve financed your vehicle and you’re still making payments, that means that another financial institution has a lien on your vehicle. If you still have a lien on your title, then you do not qualify for a title loan.

Is my information kept confidential?

We take the privacy of our customers very seriously. No personal information is ever sold or given out over the phone, or in person.

What happens to my vehicle?

You get to keep it! We hang on to the title, but you keep driving your vehicle while you repay your loan.

Does the car title have to be in my name?

Yes. The car title must be in the name of the person getting the title loan.

Is good credit required?

Absolutely not! At Midwest Title Loans in Kansas City, no credit check is required, and customers with every kind of credit are welcome. All our transactions are simple, convenient, and confidential.

How old do I need to be?

You must be at least 18 years of age.

How much money can I borrow?

Our loans typically range from $150 to $5,000. At Midwest Title Loans, we’ll work with you to match you with the loan you need based on the value of your vehicle, your cash needs, and your budget.

Can I get a loan if I don't have car insurance?

YES.  We do not require car insurance to get a title loan.

Can I get a loan if my car is wrecked?

YES. If you can drive it to us for our evaluation, then chances are you’re eligible for a title loan.

Can I get a loan if I have a title from another state?

YES. If you have a car title from either Missouri or Kansas, and live within 80 miles from one of our convenient locations in Kansas City, Gladstone, St. Joseph, or Overland Park, then Midwest Title Loans can help you.

What happens when I pay off the title loan?

When you take out a title loan from Midwest Title Loans, we hang on to your title and you keep your car. When your loan is paid off in full, you promptly get your title back along with our sincere thanks, and you’re good to go!


330 W. 85th Street
Kansas City, MO 64114
Phone: (816) 363-8600
M-F: 10:00am – 6:00pm
Sa: 8:00am – 1:00pm

6420 North Oak Trfwy
Gladstone, MO 64118
Phone: (816) 436-7711
M-F: 10:00am – 6:00pm
Sa: 9:00am – 2:00pm

8212 Metcalf Ave.
Overland Park, KS 66204
Phone: (913) 381-2222
M-F: 10:00am – 6:00pm
Sa: 9:00am – 2:00pm

2500 State Ave.
Kansas City, KS 66102
Phone: (913) 281-9997
M-F: 10:00am – 6:00pm
Sa: 9:00am – 2:00pm

How much can I get?
Let's see! Start with the following info:
Just a little more detail:
Loan amount subject to vehicle evaluation
and ability to re-pay.

Why Choose Midwest Title Loans?

Midwest Title Loans is one of the oldest, largest, and most respected title loan companies in the Kansas City area. We opened for business in 1997 and have maintained thousands of satisfied customers by helping them with title loans. We are the most flexible and customer-friendly title loan company, and we want to earn your business.