Borrow $500 to $10,000 against the equity in your paid-off (or nearly-paid-off) vehicle. Fixed APR between 17.99% and 35.99%, terms from 6 to 36 months, and you keep driving while you repay. Mississippi-licensed and reported to the credit bureaus.
Estimates only. Final terms depend on vehicle equity, credit, and ability-to-repay verification. Read full terms.
Not a payday loan, not a pawn. A regulated installment loan secured by your vehicle title — with the kind of paperwork you can actually read.
Apply online and get a real lending decision the same business day. Funds typically reach your account in 24 hours.
The lien goes on the title — the keys stay with you. Drive your car to work and back every day of the loan.
Same payment every month. No balloon. No reset. The schedule we hand you on day one is the schedule you finish on.
Pay early, pay extra, pay it off — interest is calculated daily, so what you don't borrow is what you don't owe.
On-time payments are reported monthly to one of the three nationwide credit bureaus. A title loan you can build credit on.
805 City Ave S, Ripley. Walk-in welcome. We sign loans in person on request — bring your title, ID, and proof of insurance.
Most borrowers go from inquiry to funded in under 36 hours. Nothing about that is a marketing trick — the steps below are the entire underwriting flow.
Tell us your vehicle, mileage, and how much you'd like. Soft pull — no impact on your credit score.
Upload title, ID, proof of insurance, and a recent paystub. We confirm equity and ability to repay.
Review the disclosure, payment schedule, and APR in plain language. Sign electronically or in our Ripley office.
Funds arrive by ACH within one business day. You keep the car, we record the lien with MS DPS.
Everything below applies to every borrower. We don't run silent tiers, teaser rates, or "introductory" APR.
| Parameter | What we offer |
|---|---|
| Loan amount | $500 – $10,000 |
| Term length | 6 – 36 months |
| APR (fixed) | 17.99% – 35.99% |
| Origination fee | $0 |
| Late payment fee | $15 after a 10-day grace period |
| Prepayment penalty | None — pay off any time |
| Collateral | Lien recorded on a clear or near-clear vehicle title |
| Vehicle age | 2010 or newer · ≤140,000 miles |
| Repayment | Equal monthly installments via ACH or in-office |
| Funding speed | ACH within 1 business day after signing |
If your question isn't here, call us at +1-333-444-5566 or email info@instantcash-titleloans.com.
We're building a self-service app so you can check your balance, schedule payments, and message your loan officer without picking up the phone. Drop your email and we'll let you know the day it lands on the App Store and Google Play.
We're in Ripley, MS. Walk in, call us, or send a message — every inquiry is answered by a human, usually within the same business day.