Vehicle Title and Equity Loans

When you need cash, and you have a vehicle, you may be able to get a title or equity loan.

Use the Equity You Own

Borrow against your title or the equity in your vehicle for a quick and easy way to cash.

If your vehicle is paid off or your car is worth more than you owe, and you are looking for cash, you can use the equity in your vehicle (auto, motorcycle, and RV) as collateral for a loan.

Which type of loan is right for you?

Vehicle Title Loan

Your lien-free title is all you need to qualify to get the cash you need when you need it. The loan amount is based upon the vehicle’s value and your ability to repay. Once you are approved for the loan, we’ll keep your title until you have paid off the loan in full.

Vehicle Equity Loan

When your vehicle is worth more than what you owe, you have equity in your vehicle that you can borrow against.

Contact Our Team

Interested in applying? Start your application online or contact us by phone.

Apply Now

Business Call Us 800-375-3674

Features and Benefits

When you’re in need of cash, you might be tempted by late-night commercials offering quick cash with only your car as collateral, but did you know your credit union also offers these loans at much more affordable rates with less risk. These loans are most commonly known as car title loans but go by many names—collateral loan, pink-slip loan, title pledge, or title pawn. Is this a smart option? Here are some reasons to choose a title loan through your credit union instead of another lender.

Looking Out for You

As a member of Resource One Credit Union, we are here to offer short-term loans designed to eliminate predatory loans (such as title loans and payday loans). We look out for your best interest, that’s why we make sure the loan is financed with your wellbeing in mind.

Fixed-Rate, No Hidden Fees

Resource One Title Loans are a low-fixed rate, all the time. Unlike title lenders whose rates, on average, charge 25 percent per month to finance the loan. That translates to an APR of at least 300 percent, and it could be higher depending on additional fees that the title and payday lenders may require.

Ready to Get Started?

Apply Online

Use our easy online application process to get started right away.

Apply Now

Apply in Person

Visit any of our locations to start the process of your new loan.

Find a Branch

Apply by Phone

Questions? Call us anytime to speak with a specialist.


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Resource One Credit Union is committed to serving all persons within its field of membership, including those with disabilities. We strive to make not only our physical braches accessible, but also to conform to WCAG 2.0 guidelines for website accessibility. Our efforts are ongoing including frequent testing and updates to improve accessibility. Should you have any problems accessing our branches or website, please call us at 800-375-3674 so that we may promptly assist you and remedy any accessibility concerns.