Need Cash Fast? Get A Title Loan!

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    Frequently Asked Question

    Canadian Equity Loans promotes the informed use of Consumer credit by rigidly adhering to federal and provincial regulations requiring Disclosures about interest rates, rollover limits, fees, charges and terms. Before consumers assume any obligation they will be presented, in writing, with the exact rates, fees, and other details of their car title loan as required by federal and provincial Law.

    Submitting your inquiry on this website incurs absolutely no obligation. Based on the inquiry you submit, a Canadian Equity Loans customer service representative will call you to discuss your title loan needs.

    As noted above, federal and provincial law requires disclosures about the terms and cost of consumer credit. All rate and fee information will be disclosed to you by Canadian Equity Loans at the location before you sign any agreement. Please review all the rate information provided to you by our customer service representative thoroughly and completely before signing any agreement. You are under no obligation to accept the terms arranged by Canadian Equity Loans.

    Should an unexpected emergency arise which prevents you from making a payment pursuant to the terms of your agreement, representatives at Canadian Equity Loans are trained to work with you to bring your account back into good standing. Your vehicle will be pledged to Canadian Equity Loans as collateral. If you fail to make a payment pursuant to the terms of your agreement, your vehicle may be repossessed and sold. Additional charges may also apply.

    Refinances are permitted. Check your agreement for all terms and conditions.

    There exists a common misconception that a poor credit history may result in a higher interest rate for title loans. With Canadian Equity Loans your credit score does not affect the interest rate, fees or charges determined for a title loans.

    A title loan is a loan using a vehicle title as collateral for that loan. Our sales representative can assist you with detailed information. Title loans are designed as a short-term cash flow solution and not designed as solutions for long term financial problems.

    Your sales representative will go through all terms and fees with you before you sign the loan documents.

    All you need is a clear title to your vehicle, the title, have both collision and comprehensive insurance on the vehicle, vehicle registered and insured in your name and photo ID. Canadian Equity Loans makes the title loan process hassle free unlike our competitors. We are committed to providing all our customers with unsurpassed customer service. The process is simple:

    • Bring your car with a clear car title to a Canadian Equity Loans location
    • Fill out an application while our sales representative
    • Our sales representative will assist you in qualifying for a title loan based upon your need, the value of your vehicle, your ability to repay the loan, applicable provincial law, and lenders conditions.
    • Once approved, you will receive the cash you need and keep driving your vehicle. This process can take 30 minutes or less.

    No! You do not need a checking account to qualify for a title loan at Canadian Equity Loans

    Absolutely! Good credit, bad credit or no credit. For most title loan amounts, any credit is welcome. Canadian Equity Loans is committed to helping you get the cash you need.

    You do not need a driver’s license, but you do need a valid photo ID.

    At Canadian Equity Loans we are committed to keeping all the information you provide confidential. Please see the privacy policy on our website for details.

    You must be of legal age in the province you reside in to qualify for a title loan.

    Yes! You keep your car when you take out a title loan.

    Canadian Equity Loans DOES NOT report to credit agencies if you default.

    The Canadian Equity Loans website has a location page which helps you find the nearest location.

    A clear or lien-free car title simply means that you own your car outright, with no outstanding loans or judgments against it. To get a title loan you need to have a clear or lien-free car title.

    You can get started by submitting the online form on the left with your basic information, after which you will be contacted by a friendly Canadian Equity Loans sales representative who will explain the application process. Applications will be taken in person at the Canadian Equity Loans location.

    Your title loan amount depends on the value and condition of your vehicle. The maximum you can obtain is $50,000.

    To get a title loan you need to have the vehicle title in your name. You will need to go to the MV Branch or registry and have the title transferred to your name prior to applying for a loan.

    Title loan terms and frequency may vary. Please check with a sales representative at the Canadian Equity Loans location for all the details.

    The value of your vehicle is based on the Canadian Black Book and the condition of the vehicle.

    From the time you call one of our Canadian Equity Loans locations, you can be approved in as little as an hour or less for a collateral loan.