Need Cash Fast? Get A Title Loan!


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Frequently Asked Question

How long does it take to be approved?

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.

How do you determine the value of my vehicle?

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

How often can I get a title loan?

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

What if my car title is not in my name?

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.

How much can I borrow?

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

How do I get started?

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.

What is a clear or lien-free car title?

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.

Where is a location near me?

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

Canadian Equity Loans report to the credit agencies if my loan defaults?

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

Can I still drive my car? Do I get to keep my car?

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

How old do I have to be to get a title loan?

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

Will my personal info be kept confidential?

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.

Is it necessary to have a driver’s license to get a title loan?

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

I have bad credit. Can I still qualify?

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.

Do I need a checking account?

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

What do I need to qualify for a title loan?

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.

What is the total amount of the loan, including the interest and fees?

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

What is a title loan?

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.