What 1 (800) Car-Title does

1 (800) Car-Title is a private consumer finance company founded in 2001 in Los Angeles, California, that specializes in secured vehicle title lending. The company operates as Wilshire Commercial Capital, LLC, doing business as 1 (800) Car-Title and Wilshire Consumer Credit, and is a wholly owned subsidiary of Westlake Financial Services, itself part of the Hankey Group of Companies led by Don Hankey. The core product is the car title loan, a secured installment loan using the borrower's vehicle title as collateral, with loan amounts ranging from $2,000 to $30,000, terms of 24-48 months, and APRs from 34.99% to 157.99% depending on state, credit, and collateral. The product set also includes refinancing, motorcycle title loans (capped at $4,000), RV title loans, regional variants such as California pink-slip loans and Florida secured loans, and a Gold Program tier for credit-qualified (680+ FICO) or repeat on-time borrowers.

The company serves subprime individual consumers with vehicle equity across 8 U.S. states (Arizona, California, Georgia, Idaho, Missouri, New Mexico, South Carolina, and Utah) and reports more than 100,000 cumulative customers served since inception. The technology stack is a conventional online loan application platform with digital document submission, e-signature integration through DocuSign, third-party vehicle valuation referencing Kelley Blue Book, and MoneyGram as a cash payment channel; no mobile application is offered. Go-to-market combines a sales-led inside-sales motion (a 1-800 number staffed by loan officers) with digital self-serve application, supported by TV, radio, paid search (Bing, Google, Yahoo), direct mail, SEO state landing pages, and customer referrals. Revenue is generated through interest charges and origination fees on each loan transaction; no revenue, funding round, or M&A figures are publicly disclosed. The business is NMLS-registered (ID 907578), holds a California DFPI Finance Lenders License, and is licensed in every state in which it lends, and is positioned as a niche subprime lender within a larger diversified auto-finance parent's portfolio.

Name

1 (800) Car-Title

Legal name

Wilshire Commercial Capital, LLC

Website

https://1800cartitleloan.com

Company type

Private

Founded year

2001

Operating status

Operating

Short description

1 (800) Car-Title is a private consumer finance company founded in 2001 that provides secured car title loans and refinancing to subprime borrowers across 8 U.S. states. Operated as Wilshire Consumer Credit, a subsidiary of Westlake Financial Services within the Hankey Group.

Ownership category

akta.pro rank

Product category

Auto Title Lending

NAICS

Credit Intermediation and Related Activities (522), Sales Financing (52222)

SIC

Personal Credit Institutions (6141), Loan Brokers (6163)

akta.pro primary industry

Title Loans (Vehicle-Backed Short-Term Credit) (FSAKAMAD)

akta.pro secondary industries

Subprime Auto Title Lending (FSAKAOAB), Auto Refinance (FSAKADAB), Auto & Vehicle Loan Brokerage (FSAEAEAK)

Keywords

• Car title loans
• Title loan refinancing
• Secured vehicle lending
• Motorcycle title loans
• RV title loans

Headquarters

HQ city

Los Angeles

HQ country

United States

HQ region

North America

Offices3 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Marketing or Sales, Operations, Technology or R&D, Others

Revenue model

1. Title Loans: Secured personal loans using vehicle titles as collateral. Borrowers receive cash based on vehicle equity while retaining use of their vehicle. Revenue generated through interest rates (APR ranging 34.99%-157.99%) and origination fees. Repaid in monthly installments over 24-48 months.
2. Refinancing: Existing title loan customers can refinance for potentially lower rates and monthly payments. Helps prevent default and repossession. New loan pays off old lender.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels8 records

Core offering

1 (800) Car-Title provides secured personal loans using borrowers' vehicle titles as collateral, with loan amounts determined by vehicle equity rather than solely by credit score. Customers retain use of their vehicle during repayment, with terms of 24-48 months and APRs ranging from 34.99% to 157.99% depending on state, creditworthiness, and collateral. The company also offers title loan refinancing to help existing borrowers lower payments, plus variants for motorcycle and RV titles, supported by same-day funding and an online application platform.

Product overview

1(800) Car-Title operates as a single-product platform specializing in title-secured lending. The core product is Car Title Loans, with specialized variants including Motorcycle Title Loans (capped at $4,000), RV Title Loans, and Pink Slip Loans (California regional term). The company offers refinancing services to help existing title loan customers lower payments or APR. Products are delivered through both physical locations across multiple states and an online application platform. A Gold Program add-on rewards qualified borrowers with reduced rates. State-specific offerings include Florida Secured Loans. The platform's architecture is unified, with all products sharing the same lending infrastructure, application process, and customer service channels, differentiated primarily by collateral type and geographic availability.

Differentiator

Problem solved

Functional benefit

Brands

• Gold Program: A rewards program for qualified customers offering reduced rates and streamlined verification process.

Products and services

• Car Title Loans
• Refinance Title Loan
• Motorcycle Title Loans
• RV Title Loans
• Car Title Loans Online
• Florida Secured Loans
• Pink Slip Loans
• Gold Program

Quantifiable outcome

• Same-day funding available for approved borrowers
• +2 more outcomes

Named customers6 records

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

Scale indicators5 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• LoanMax: LoanMax is a title-secured installment lender that competes head-to-head with 1(800) Car-Title in the same Sun Belt and Southeast states (GA, SC, MO). Similar product set (car title loans with monthly installment repayment), similar APR profile, and similar refinancing of existing title loans make it the closest like-for-like peer.
• TitleMax: TitleMax is the largest U.S. title-loan specialty lender, operating hundreds of storefronts across ~16 states. It is the most direct competitor to 1(800) Car-Title, offering vehicle-title secured installment loans with similar APR bands, multi-channel marketing, and refinance products to the same subprime borrower pool.
• World Finance: World Acceptance Corporation (World Finance) is a large installment lender serving subprime borrowers, with a significant auto-secured installment book. Similar customer, similar regulatory exposure, similar installment-against-collateral economics; strong direct peer despite World primarily being unsecured personal installment.
• ACE Cash Express: ACE Cash Express is a national short-term consumer credit provider offering title pawn and installment products alongside payday loans. It overlaps with 1(800) Car-Title on vehicle-secured installment products and shares the same subprime, multi-channel acquisition model.
• Check Into Cash: Check Into Cash is a payday and title-loan storefront/online lender with overlapping multistate licensure, same 1-800 style direct-response marketing approach, and a near-identical borrower demographic. Highly comparable on product mix and go-to-market.
• Speedy Cash: Speedy Cash operates a multi-product subprime lending storefront network (payday, installment, title, and lines of credit) that overlaps directly with 1(800) Car-Title's title-loan offering. Online + retail omnichannel model, similar customer segment, and overlapping geographic footprint make it a strong comparable for benchmarking.

Broad incumbents

• Mariner Finance: Mariner Finance is a large, multi-state subprime personal and auto-secured installment lender. It shares the same anchor-borrower demographics and the same mix of secured installment and refinance products, and competes on overlapping state footprints (e.g., California, Missouri, Utah).
• Lendmark Financial Services: Lendmark Financial is a specialty consumer lender offering personal, auto, and home-secured installment loans to subprime borrowers across ~20 states. Comparable on installment product design, subprime underwriting, and multi-state licensing footprint to 1(800) Car-Title.
• OneMain Financial: OneMain is the largest U.S. subprime personal installment lender, with a substantial auto-refinance and secured-loan portfolio. While broader and more prime-leaning than 1(800) Car-Title, it sets the competitive ceiling in subprime vehicle-secured credit and benchmark origination operating costs.

Regional players

• Regional Finance: Regional Finance operates a ~350-branch subprime installment lender network concentrated in the U.S. Southeast/Midwest. While primarily unsecured personal installment, it shares customer and state overlap with 1(800) Car-Title and is a useful regional benchmark for unit economics in subprime installment.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/1800CarTitle
• Facebookfacebook.com/1800CarTitle

Compliance6 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about 1 (800) Car-Title