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AAA1 Auto Title Loans - FAQ Questions

Questions & Answers


How much can I borrow?

In Illinois, the amount we lend is between $1,000 to $4,000. In Wisconsin and Missouri, the amount we lend is between $1,000 to $5,000. The amount we lend is based on your vehicle’s actual wholesale value. Some of the things that define that value include the year, make, model and trim level of your vehicle, and its mileage and condition. To see how much we can lend to you using your specific vehicle, click on “How Much Money Can I Get, located on this page.

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Can I continue driving my vehicle while my loan is in force?

Yes, absolutely. Get the cash—keep the car!

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How long will it take me to get my loan?

With AAA1 you can finalize your Auto Title Loan in 30 minutes or less*. Call us now at 1-800-869-2274 and we can get your loan process started immediately. We will tell you what documentation you need for the speediest processing at our location. You can even speed up the process by filling out our on-line application. Click on the on-line application tab located on this page. Click it or call to get started. *Total time may vary by customer.

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Do I have to be a resident of one of the states AAA1 operates in to get a loan? (IL, WI, MO)

Yes, but residents of Michigan and Indiana can also borrow with us.

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Is there a prepayment penalty if I decide to pay off early?

No. You can pay off your loan any time. There is never any prepayment penalty with a AAA1 Auto Title Loan.

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Is there a balloon payment at the end of the loan?

No—our Auto Title Loan is a true installment loan, where principal and interest are applied with each payment when you make your affordable monthly payments on time.

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Do I have to have good credit to get a loan?

No. Good Credit, Bad Credit or No Credit, it does not matter. Everyone is welcome. Your Vehicle Title is your credit. We lend to people with credit problems every day.

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Do I need to be currently employed?

No—if you’re retired or otherwise receiving income from Social Security, a pension or other program, we can lend to you.

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What if my auto title is in the name of both me and my spouse?

No problem. Both names will appear on the loan.

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Does my vehicle have to be insured?

MO Payday Loan charges a $25 fee on returned items used for a payday loan transaction. It is likely your bank will also charge you a fee.

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