LoanMax Title Loans
LoanMax Title Loans is a privately held U.S. consumer finance company founded in 1990 that originates short-term, vehicle-title-secured loans of $100–$10,000 through 300+ retail stores across 25+ states, serving subprime and credit-constrained borrowers needing rapid cash.
- Company typePrivate
- Founded1990
- HeadquartersOrem, United States
- Headcount101–250
- GTM typeB2C
- OfferingServices
What LoanMax Title Loans does
LoanMax Title Loans, operated by Instant Cash Loans on Car Titles, Inc., is a privately held U.S. consumer finance company founded in 1990 in Jonesboro, Georgia by sole owner Rod Aycox. The company originates short-term, vehicle-title-secured loans (and title pawns in certain states) ranging from $100 to $10,000, targeting subprime and credit-constrained borrowers who need rapid access to cash. Loan decisions are based primarily on vehicle value and ability to repay rather than credit history, and the product is structured as either a 30-day single-payment loan or a multi-payment loan with weekly, biweekly, or monthly schedules and no prepayment penalties.
The company distributes its product through a hybrid model: an online quote calculator and SEO-optimized location pages capture leads, but final origination requires an in-person visit to one of more than 300 retail storefronts across 25+ states, where staff perform vehicle appraisal, title verification, ID and income checks, document signing, and same-day cash disbursement (often within approximately 20 minutes). Supporting digital channels include iOS and Android mobile applications for payments, an online My Accounts portal, a toll-free customer service line (877-511-CASH), a Spanish-language line (866-TITULOS), and integrations with Western Union and Google Maps. The technology stack is conventional consumer-finance infrastructure (SSL-encrypted transactions, session cookies, web-based account management) without disclosed AI/ML components.
LoanMax operates through state-specific legal entities (e.g., Fairfax Elite Financial Services, LLC in Virginia; Vista Financial Services of MI, LLC in Michigan) and holds lending licenses in Delaware, Virginia, New Mexico, Michigan, and South Carolina among others, with GLBA-compliant privacy practices. The corporate mailing address is in Alpharetta, Georgia. The business is family/founder-owned, with no disclosed institutional investors, private equity, or venture capital funding. Revenue is generated entirely through interest and fees on originated loans, with no prepayment penalties, and is not publicly disclosed.
LoanMax Title Loans firmographics
Firmographics- Name
- LoanMax Title Loans
- Legal name
- Instant Cash Loans on Car Titles, Inc.
- Website
- https://loanmaxtitleloans.net
- Company type
- Private
- Founded year
- 1990
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Short description
- LoanMax Title Loans is a privately held U.S. consumer finance company founded in 1990 that originates short-term, vehicle-title-secured loans of $100–$10,000 through 300+ retail stores across 25+ states, serving subprime and credit-constrained borrowers needing rapid cash.
- Ownership category
- akta.pro rank
LoanMax Title Loans industry classification
Industry- Product category
- Consumer Title Lending
- NAICS
- Sales Financing (52222), Sales Financing (522220)
- SIC
- Personal Credit Institutions (6141)
- akta.pro primary industry
- Title Loans (Vehicle-Backed Short-Term Credit) (FSAKAMAD)
- akta.pro secondary industries
- Auto Title Loans (Vehicle-Backed Short-Term) (FSAKADAJ), Subprime Auto Title Lending (FSAKAOAB), Short-Term Loan Servicing & Collections (Payday/Title) (FSAKAMAO)
Keywords
Where LoanMax Title Loans is headquartered
LocationHeadquarters
- HQ city
- Orem
- HQ country
- United States
- HQ region
- North America
Offices53 records
Markets served
LoanMax Title Loans business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Infrastructure, Others
Revenue model
- Title Loans: LoanMax provides short-term secured loans using vehicle titles as collateral. Revenue is generated through interest and fees charged on loans. Loan amounts range from $100 to $10,000 depending on vehicle value, state regulations, and borrower qualifications. The company offers single-payment (30-day) and multi-payment loan structures with flexible weekly, biweekly, or monthly payment options.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | Standard Title Loan - Loan amounts from $100 to $10,000 |
| Transaction based/ take rate | Pay-as-you-go | Single Payment Option - 30-day term |
| Transaction based/ take rate | Monthly | Multi-Payment Loans - Flexible payment schedules |
Go-to-market motion2 records
Distribution channels4 records
Marketing channels6 records
LoanMax Title Loans product offering
Product offeringCore offering
LoanMax Title Loans provides short-term, vehicle title-secured loans and title pawns to individual consumers, with loan amounts ranging from $100 to $10,000 depending on vehicle value and state regulations. The service is originated primarily through more than 300 physical retail stores across 25+ U.S. states, with online and phone channels used for lead capture and ongoing loan servicing via a mobile app and web account portal.
Product overview
LoanMax Title Loans is a single-product financial services company offering title-secured loans (title loans and title pawns) as its core product, with loan amounts ranging from $100 to $10,000 depending on vehicle value and state regulations. The company provides its primary lending service through a network of over 300 physical store locations across more than 20 U.S. states, supplemented by digital touchpoints including an online quote tool, mobile applications for iOS and Android, and an online account management portal (My Accounts). The product ecosystem centers on enabling customers to access cash quickly using their vehicle title as collateral while maintaining use of their vehicle during the repayment period.
Differentiator
Problem solved
Functional benefit
Products and services
- Title Loans Short-term secured loans using the borrower's vehicle title as collateral, providing cash while the customer continues to drive the vehicle. Loan amounts up to $10,000 where available, with approval based on vehicle value and ability to repay, and all credit types considered.
- Title Pawns A state-specific variant of the company's title lending product, marketed as "title pawn" or "auto pawn" in jurisdictions using that terminology, providing the same short-term, vehicle-titled-secured financing with comparable terms and requirements.
Quantifiable outcome
- Many title loan customers funded in about 20 minutes
- +1 more outcomes
Companies that use LoanMax Title Loans
Customer profileNamed customers4 records
Segments3 records
Ideal customer profiles2 records
LoanMax Title Loans technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration4 records
Feature4 records
LoanMax Title Loans partnerships and signals
Strategic signalScale indicators5 records
Recent moves5 records
Expansion highlights5 records
LoanMax Title Loans competitors and assessment
Company assessmentDirect peers
- TitleMax: TitleMax is a direct competitor offering virtually identical vehicle-title-secured short-term loans at hundreds of physical locations across the U.S., targeting the same subprime borrower with the same keep-your-car-while-repaying value proposition. Operated by a closely related Aycox-family business, it is the closest one-to-one comparable for LoanMax.
- Check Into Cash: Check Into Cash is a multi-state storefront lender offering title pawns, payday loans, and installment lending to non-prime borrowers. Directly comparable to LoanMax in target customer, vehicle-collateral product, and store-led distribution.
- Regional Management Corp. Regional Management Corp. is a publicly-traded specialty consumer finance company that originates secured and unsecured installment loans through ~400 branches across the U.S. Southeast and Midwest. Comparable to LoanMax on subprime consumer profile, branch-led distribution, and small-ticket loan size.
- Speedy Cash: Speedy Cash is a direct competitor offering title loans alongside payday and installment products through a multi-state retail footprint and online channels. Comparable to LoanMax in target customer (subprime, all-credit-types considered), product mix (vehicle-secured short-term loans), and hybrid online/in-store distribution model.
- Mariner Finance: Mariner Finance is a private-equity-backed specialty consumer lender offering personal installment loans, some auto-secured, to subprime borrowers through a large branch network. Comparable to LoanMax in target customer and branch-led secured-lending model.
- World Finance: World Finance (World Acceptance Corporation) is a publicly-traded subprime consumer lender operating ~1,200 branches across the U.S. offering small personal installment loans. Highly comparable to LoanMax on customer (subprime, all-credit-types), small-ticket loan size, and branch-led distribution, though product is unsecured installment rather than title-secured.
- ACE Cash Express: ACE Cash Express operates a large multi-state retail and online network offering payday, title, and installment loans to subprime consumers. Comparable to LoanMax on product mix, target borrower, and physical-plus-digital distribution approach.
- Advance America: Advance America operates one of the largest U.S. networks of storefronts offering payday, installment, and title loans to subprime consumers. Directly comparable to LoanMax on customer profile, multi-state retail distribution, and short-term, vehicle-secured product offering.
Emerging players
- EZCORP: EZCORP is a publicly-traded pawn lender with significant U.S. and Latin America footprint offering small-dollar, collateral-based credit. Comparable to LoanMax on collateral-based short-term consumer credit and physical retail footprint, though product is pawn rather than vehicle-title.
Broad incumbents
- OneMain Financial: OneMain Financial is a large, publicly-traded specialty consumer lender offering secured and unsecured personal installment loans (including auto-secured loans) to non-prime borrowers through ~1,500 branches. Comparable to LoanMax on the secured-non-prime-consumer-lending axis, but operates at materially larger scale with a broader product set.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat4 records
Key risks6 records
Key highlights5 records
Customer concentration
LoanMax Title Loans social profiles
Digital presenceLoanMax Title Loans compliance and trust
Trust signalCompliance8 records
LoanMax Title Loans financial estimates
Financial estimateRevenue estimate
Valuation estimate
LoanMax Title Loans leadership team
Management profileNumber of profiles
Profiles1 record
LoanMax Title Loans funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
LoanMax Title Loans M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about LoanMax Title Loans
What does LoanMax Title Loans do?
LoanMax Title Loans provides short-term, vehicle title-secured loans and title pawns to individual consumers, with loan amounts ranging from $100 to $10,000 depending on vehicle value and state regulations. The service is originated primarily through more than 300 physical retail stores across 25+ U.S. states, with online and phone channels used for lead capture and ongoing loan servicing via a mobile app and web account portal.
Is LoanMax Title Loans a public or private company?
LoanMax Title Loans is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was LoanMax Title Loans founded?
LoanMax Title Loans was founded in 1990. It employs 101 to 250 people.
Where is LoanMax Title Loans based?
LoanMax Title Loans is headquartered in Orem, United States, in the North America region.
How does LoanMax Title Loans make money?
One revenue line is on record: title Loans.
Who are LoanMax Title Loans's main competitors?
Direct peers on record are TitleMax, Check Into Cash, Regional Management Corp., Speedy Cash, Mariner Finance, World Finance, ACE Cash Express and Advance America. EZCORP is listed as an emerging player. OneMain Financial is listed as a broad incumbent.
Does LoanMax Title Loans have an API?
No public API is recorded for LoanMax Title Loans.
What industry is LoanMax Title Loans in?
LoanMax Title Loans's product category is Consumer Title Lending. Its primary akta.pro industry code is FSAKAMAD, Title Loans (Vehicle-Backed Short-Term Credit), with a secondary code of FSAKADAJ, Auto Title Loans (Vehicle-Backed Short-Term). Its NAICS code is 52222 and its SIC code is 6141.