TFC Title Loans

What TFC Title Loans does

TFC Title Loans, founded in 1994 and headquartered in Los Angeles, California, operates as a title loan broker connecting consumers with a nationwide network of state-licensed lenders. The company does not fund loans directly; instead, it earns referral commissions when loans are originated through its platform. Its core product is a brokerage service for secured vehicle-titled loans, accepting collateral across multiple vehicle types including cars, motorcycles, RVs, semi-trucks, classic cars, and mobile homes, with loan amounts up to $30,000 and APRs ranging from 29% to 204% depending on lender and state. The underlying platform combines an online application system, vehicle valuation tools (referencing Kelly Blue Book), and a lender matching workflow that routes qualified borrowers to the most suitable referral lender in their state.

The business serves primarily subprime and credit-constrained consumers — individuals with bad credit, urgent cash needs, military personnel, freelancers, and small business owners — across all 50 U.S. states. Distribution is digital-first: state-specific landing pages, SEO-optimized content, and a phone-based sales channel drive customer acquisition, with local partner offices facilitating in-person fund pickup. The company has expanded its product surface to include refinancing, salvage title loans, and specialized products for military and entrepreneur segments. Revenue is generated through broker/referral fees from lenders, with origination fees set by individual lenders rather than by TFC. The company employs 11-50 people, holds no disclosed funding rounds, and operates as a privately held entity with no publicly disclosed ownership or financial data.

Name

TFC Title Loans

Legal name

TFC Title Loans

Website

https://tfctitleloans.com

Company type

Private

Founded year

1994

Operating status

Operating

Headcount range

11–50 employees

Short description

TFC Title Loans is a Los Angeles-based title loan broker founded in 1994 that connects borrowers across all 50 U.S. states with a nationwide network of state-licensed lenders, earning referral fees on secured vehicle-titled loans up to $30,000.

Ownership category

akta.pro rank

Product category

Title Loan Brokerage

NAICS

Mortgage and Nonmortgage Loan Brokers (522310), Mortgage and Nonmortgage Loan Brokers (52231)

SIC

Loan Brokers (6163), 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), Auto Title Loans (FSAKALAB), Subprime Auto Title Lending (FSAKAOAB)

Keywords

• Title loan brokerage
• Vehicle title loans
• Secured auto lending
• Online loan broker
• Consumer installment lending

Headquarters

HQ city

Los Angeles

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Broker/Referral Fees: TFC Title Loans acts as a broker connecting borrowers with lenders. The company earns referral fees or commissions from lenders when loans are originated through their platform. They do not charge customers fees for using their service.
2. Origination Fees: Lenders may charge origination fees which are disclosed in loan agreements. These fees are set by individual lenders, not TFC Title Loans.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels4 records

Core offering

TFC Title Loans operates as a title loan broker connecting individual borrowers with a nationwide network of state-licensed lenders across all 50 US states. The company facilitates secured loans using vehicle titles as collateral — including cars, motorcycles, RVs, semi-trucks, and classic vehicles — with applications completed online or by phone and funding typically within 24–48 hours. It also offers title loan refinancing for borrowers seeking better terms.

Product overview

TFC Title Loans operates as a title loan broker connecting borrowers with a nationwide network of licensed lenders. The company has been in business since 1994 and offers a comprehensive portfolio of secured loan products centered around using vehicle titles as collateral. The core product lineup includes Car Title Loans, Motorcycle Title Loans, RV Title Loans, Semi Truck Title Loans, Classic Car Title Loans, and Mobile Home Title Loans, all available through both online and local partner office channels. Supporting products include Refinance Title Loans for debt consolidation, various vehicle-specific online title loan products (for older cars, vintage cars, pickup trucks, diesel trucks, box trucks), and specialized products like Military Title Loans and Salvage Title Loans. The company positions itself as a broker with the largest lender network nationwide, helping borrowers find the most money at the lowest interest rates across all 50 states. The platform emphasizes fast approval (often within 24 hours), no prepayment penalties, flexible repayment options including long-term installment plans, and accessibility for borrowers regardless of credit history.

Differentiator

Problem solved

Functional benefit

Products and services

• Car Title Loans Secured loan where a borrower uses their vehicle title (including cars, SUVs, salvage-title vehicles, and pickup trucks) as collateral to access quick cash while continuing to drive the vehicle. Loan amounts are based on vehicle value and monthly income; available through online application or in-person at partner offices.
• Motorcycle Title Loans Title loan product using motorcycles as collateral, allowing two-wheeled vehicle owners to access funds through TFC's broker network while retaining use of their motorcycle.
• RV Title Loans Secured financing using recreational vehicles and mobile homes as collateral, enabling owners to leverage their RV equity for emergency cash needs.
• Semi Truck Title Loans Commercial vehicle title loans allowing owners and operators to use semi-trucks, big rigs, box trucks, and diesel trucks as collateral for funding through TFC's nationwide lender network.
• Classic Car Title Loans Specialized title loans for vintage and classic automobiles (typically 30+ years old), with vehicle valuation based on rarity, condition, market demand, and Kelley Blue Book assessments.
• Refinance Title Loans Refinancing service that helps borrowers with existing high-interest title loans secure better terms, lower rates, and potentially additional cash-out. Includes consolidation of multiple existing title loans into a single loan with better repayment terms.
• Military Title Loans Title loan products compliant with the Military Lending Act (MLA) and Service Members Civil Relief Act (SCRA), providing consumer protections for active-duty military personnel and their families accessing vehicle-secured funds.

Quantifiable outcome

• Loan approval within 24 hours for most applicants
• +3 more outcomes

Named customers1 record

Segments5 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature2 records

Scale indicators3 records

Recent moves5 records

Expansion highlights4 records

Direct peers

• TitleBucks: Direct title loan lender with online and in-store presence across multiple southeastern states. Competes for the same vehicle-backed short-term credit demand as TFC.
• LoanMart: Direct title loan lender that also operates a broker-style acquisition funnel for car title loans across multiple states. Competes directly for TFC's borrower segments, including bad-credit and emergency-cash consumers.
• Cash Title Loans: Online title loan broker targeting similar emergency-cash and bad-credit borrower segments with a referral-based lender network model.
• 1-800-TitleLoans: Nationwide title loan broker and referral service connecting borrowers with licensed lenders, using a phone-driven and online lead funnel similar to TFC's model.
• Max Cash: Online title loan broker that connects borrowers with a network of lenders, directly cited in TFC's website as a referral partner. Operates with the same affiliate referral model across multiple U.S. states.

Regional players

• Embassy Loans: Title loan lender operating primarily in Florida and surrounding states. Provides a regional comparison point for TFC's title loan offerings in the Southeast.
• Car Title Loans California: California-focused title loan broker serving the same primary market in which TFC is headquartered. Comparable broker model and geographic concentration.

Broad incumbents

• Check Into Cash: Multi-state payday and title loan lender with both retail and online channels. Provides a comparison point for TFC's blended online-plus-partner-office distribution strategy.
• TitleMax: One of the largest direct title loan and personal loan lenders in the U.S., operating both retail locations and online. Despite being a direct lender rather than a pure broker, it competes with TFC for the same borrower demand and SEO keywords.
• Advance America: Large multi-product storefront and online lender offering payday loans, installment loans, and title loans. While broader than TFC, it competes for the same subprime short-term credit borrower.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/trading-financial-credit-llc

Revenue estimate

Valuation estimate

Number of profiles

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 TFC Title Loans