What is an auto title loan?

An auto title loan is a secured borrowing option where your car’s equity serves as collateral. You can borrow against its current market value if your vehicle is paid off and you hold the clean title.

What does 'lien-free title' mean?

'Lien-free title' indicates that you own your vehicle outright—there are no outstanding loans or claims against it. Lenders require this clean title before approving a title loan.

How does the title loan application process work?

You submit your request, and we forward your details to a panel of licensed lenders in Shreveport, LA. The lender then appraises your car’s condition and value, reviews your income information, and provides a loan offer.

What documents and information will I need?

You will need to provide proof that you are at least 18 years old, a lien-free vehicle title in your name, a valid driver’s license, current auto insurance, and disclosure of military or reserve duty status if applicable.

Can I qualify if I have poor credit?

Yes, you can still qualify. While some lenders may check your credit, low credit scores typically do not prevent approval. The focus is on the car's equity and your ability to repay.

What if the vehicle title isn’t in my name?

You must hold the title in your own name for lenders to consider your application. If the title shows multiple owners, all co-owners must provide additional documentation.

Does my employment status matter?

Lenders emphasize the consistency of your income rather than your formal employment status. Retirement income, disability benefits, or steady revenue streams can all qualify.

I’m disabled/retired—can I still apply?

Yes, income from Social Security, disability benefits, or retirement accounts can satisfy the lender’s requirements, provided they show your ability to repay.

How can I boost my approval chances?

You can improve your approval chances by ensuring you have a lien-free vehicle in good condition, substantial equity in your car, and a dependable income source.

What loan amounts are available?

In Shreveport, LA, you can typically borrow between $500 and $50,000, depending on your car's make, model, year, and condition.

How quickly will I get an answer?

You will usually receive an approval decision almost instantly. The timing for final paperwork and funds depends on how quickly you provide any required documents.

When will I get my title back?

The lender returns your vehicle title once you've repaid the loan in full. Sticking to the repayment schedule helps ensure there are no unexpected delays.

Are there fees for paying off early?

Most lenders allow early repayment without penalty, so you regain full ownership of your car sooner.

What should I consider before applying for a title loan?

Consider all available options and consult a certified financial professional if experiencing financial strain. Keep in mind that late or missed payments may impact your credit rating.

What types of items do you buy?

We purchase a variety of items including electronics, jewelry, musical instruments, firearms, and more.

What payment methods do you accept?

We accept cash and credit cards for sales and layaways, but only cash for pawn transactions.

What types of loans does Century Loans offer?

We offer a variety of loans including auto loans, title loans, and personal loans.

How can I schedule a consultation?

You can call us at 318-377-6509 or 318-992-2792 to schedule a free consultation.

Where are your locations?

We have locations in Minden and Jena, LA.

Do you offer walk-in service?

Yes, we provide quick walk-in service at both our locations.

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