Car Loans of America

What Car Loans of America does

Car Loans of America is a private, California-based online broker that connects consumer borrowers with third-party lenders for vehicle title-secured loans. The company serves individuals who need quick access to cash using their car title as collateral, including borrowers whose credit history limits access to traditional financing. Car Loans of America explicitly acts as a referral intermediary — the company states it "may act as a broker and may not be the direct lender" — and frames its role as providing clear, educational guidance rather than originating credit. Its customer acquisition is built around a phone-first sales line (844-243-4437) supported by an online inquiry form and a basic social presence on Facebook and X/Twitter; target customers are individual consumers with qualifying vehicle titles, including those with less-than-perfect credit histories.

The company's only disclosed product offering is the Car Title Loan, a collateralized short-term financing product structured across amount tiers ranging from "Under $1,000" to "$5,000+". The technology stack is described as a standard web-based lead generation and brokerage platform with no proprietary AI, models, or integrations disclosed. Internal operations rely on human phone representatives rather than automated self-serve underwriting; the inquiry form intentionally collects only basic contact, ZIP code, and vehicle information and explicitly asks consumers not to submit SSNs or banking details at first contact. The platform differentiates on process transparency — disclosing APR, fees, repayment schedule, and repossession risk up front — rather than on technology differentiation.

Car Loans of America generates revenue via broker/referral fees paid by lending partners when qualified consumers are matched with and accept loan offers; the company describes this as an affiliate-referral revenue model. Pricing is quote-based and variable, with loan amounts, rates, terms, funding times, and eligibility determined by individual lenders and state law. The company holds California Department of Business Oversight license DBO 6038192, the primary regulatory anchor permitting brokerage activity in California, and operates a multi-state footprint subject to differing state title-loan regulations and lender licensing.

Name

Car Loans of America

Legal name

Car Loans of America

Website

https://carloansofamerica.com

Company type

Private

Operating status

Operating

Headcount range

11–50 employees

Short description

Car Loans of America is an online broker that connects individual consumers seeking vehicle title-secured loans with third-party lenders. It serves borrowers with credit challenges who need quick access to cash, earning referral commissions on matched loans.

Ownership category

akta.pro rank

Product category

Auto Title Loan Brokerage

NAICS

Mortgage and Nonmortgage Loan Brokers (522310), Nondepository Credit Intermediation (5222)

SIC

Loan Brokers (6163)

akta.pro primary industry

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

akta.pro secondary industries

Auto Title Loans (FSAKALAB), Auto & Vehicle Loan Brokerage (FSAEAEAK), Subprime Auto Title Lending (FSAKAOAB)

Keywords

• Title loan broker
• Auto title loans
• Vehicle title financing
• Title-secured lending
• Car title brokerage

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, Operations, Technology or R&D

Revenue model

1. Broker/Referral Fees: Car Loans of America acts as a broker and may not be the direct lender. The company earns referral fees or commissions by connecting qualified consumers with lending partners. Revenue is generated when consumers are matched with and accept loan offers from lender partners.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels5 records

Core offering

Car Loans of America is a broker that connects consumers with third-party lenders offering car title loans, in which borrowers use their vehicle title as collateral while typically retaining possession of the vehicle during repayment. The company collects basic vehicle and contact information through an online inquiry form or phone line (844-243-4437), reviews eligibility based on vehicle value, title status, income, and state regulations, and refers qualified consumers to lender partners. Loan amounts range from under $1,000 to $5,000+, with rates, terms, and availability varying by lender and state.

Product overview

Car Loans of America operates as a loan brokerage service connecting consumers with title-secured lending options. The company serves as an intermediary, not a direct lender, helping consumers explore automotive financing through car title loans where a vehicle title serves as collateral. The primary offering is the Car Title Loan product, which allows qualified borrowers to access funds while maintaining vehicle possession during the repayment period.

Differentiator

Problem solved

Functional benefit

Products and services

• Car Title Loans Brokerage service connecting consumers with third-party lenders offering title-secured loans using a vehicle title as collateral. Borrowers generally retain possession and use of the vehicle while making payments; loan amounts range from under $1,000 to $5,000+, with rates, terms, and eligibility determined by lenders and varying by state.

Segments2 records

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators2 records

Recent moves4 records

Expansion highlights3 records

Broad incumbents

• ACE Cash Express: ACE Cash Express is a broad incumbent in subprime short-term credit, offering payday loans, title loans, and installment products via retail and online channels. Larger and more diversified than Car Loans of America, but directly competes in title-secured lending.
• Speedy Cash: Speedy Cash is an established subprime lender offering title loans, payday loans, and installment loans. It serves a similar subprime borrower base, though with a much larger operational footprint than Car Loans of America.
• Check Into Cash: Check Into Cash is a multi-product subprime lender with title loans, payday loans, and cash advances across many states. It overlaps with Car Loans of America's core audience but operates with a broader product portfolio and retail footprint.
• LendingTree (Auto): LendingTree operates a broad online loan marketplace that includes an auto loan category connecting consumers with multiple lenders. While focused on prime borrowers more than subprime, it represents a scaled broker/aggregator model analogous to Car Loans of America's referral approach.

Direct peers

• LoanMart: LoanMart specializes in vehicle title-secured loans and refinancing for borrowers across the credit spectrum, including subprime. It competes in the same title-loan category with similar collateral-based, short-term liquidity products.
• Cash Express: Cash Express offers title loans, payday loans, and installment lending to subprime consumers across multiple U.S. states — directly overlapping with Car Loans of America's customer base and collateral-based product set.
• TitleMax: TitleMax is one of the largest U.S. title loan lenders and operators, offering vehicle title-secured loans to subprime consumers — directly comparable to Car Loans of America's core product. Both target credit-challenged borrowers using their vehicle title as collateral.
• TitleBucks: TitleBucks is a direct title lender serving customers seeking vehicle-secured short-term financing, with overlapping state coverage and similar subprime target customers as Car Loans of America.
• 1FirstCashAdvance: 1FirstCashAdvance is an online broker connecting subprime consumers with title and payday lenders. It mirrors Car Loans of America's referral-based, sales-led approach with a focus on credit-challenged borrowers.
• Max Cash Title Loans: Max Cash is an online title loan broker and lead-generation platform connecting consumers with title lenders — essentially the same broker/referral model as Car Loans of America. Highly comparable business model and customer segment.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat2 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/CarLoansAmerica
• Facebookfacebook.com/carloansofamerica
• LinkedInlinkedin.com/company/car-loans-of-america

Compliance1 record

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 Car Loans of America