Online Title Loans in West Valley City, UT

Fast

Same-Day Decisions

Simple

3-Step Process

Secure

SSL Encryption

$500 - $25,000

Need Cash in West Valley? Your Car Title Could Be the Key

Skip the long bank lines. Connect with Utah title lenders for the funds you need today, even with less-than-perfect credit. Drive your car while you pay.

Keep Your Keys
Drive your car while you pay
Fast Decisions
Results in minutes, not days
No Credit Score Minimum
Your title is your collateral

Check Your Eligibility

How It Works

Get the funds you need in a few simple steps

Submit Online Request

Fill out our quick form with your vehicle's basic info, including make, model, and year.

Get a Quick Quote

A lender will review your vehicle's value and contact you with a customized loan offer based on equity.

Verify Vehicle

Bring your car and title to a local branch or complete a remote verification if available.

Receive Your Funds

Once approved, get your cash via direct deposit or at a local West Valley office, often the same day.

Apply Now

Fill out the form below to get matched with a lender

Lenders in our network may perform credit checks through major bureaus or alternative providers. Submitting an inquiry on this site does not guarantee an offer or approval.

Loan Information

Loan Details

Loan Amounts

$500 to $25,000 (depending on vehicle equity)

Loan Terms

30 days to 36 months

APR Range

36% - 359% (Varies by lender)

Types of Loans Offered

Car Title Loans Motorcycle Title Loans RV Title Loans Refinance Title Loans

Eligibility Requirements

Lien-free vehicle title in your name
Valid government-issued ID
Proof of residence in Utah
Must be 18 years or older
Verifiable income or ability to repay

Required Documents

Original vehicle title
Government ID (Driver's license)
Proof of income (Paystubs or bank statements)
Proof of insurance
The vehicle for inspection

Why Choose Us

Benefits that make the difference

Quick Approvals

Get a decision in minutes and often access your funds within one business day.

Keep Your Vehicle

You continue to drive your car or truck throughout the entire loan repayment period.

All Credit Types

Because the loan is secured by your title, a low credit score isn't an automatic disqualification.

Flexible Terms

Connect with lenders offering various repayment schedules tailored to your monthly budget.

No Hidden Fees

We prioritize lenders who provide clear, upfront disclosure of all interest rates and potential charges.

Utah Local Service

Our network includes lenders with physical branches right here in West Valley City and surrounding areas.

What Our Customers Say

Professional and Fast

I needed $2,400 to cover some unexpected repairs at my house near Redwood Road. The process was way faster than I expected, and I got to keep my SUV for work.

Sandra Miller ·West Valley City, UT

Clear Terms

The interest is higher than a bank, which I knew going in, but the person I talked to explained everything clearly. It helped me out of a tight spot before my next commission check.

Robert Chen ·Taylorsville, UT

Great Experience

I was worried because my credit isn't great, but they focused on my truck's value. I had the money in my account the next morning. Very helpful service.

Jessica Thompson ·West Jordan, UT

Saved my business

Needed a quick bridge loan for supplies. This site connected me with a lender right off 3500 S. Whole thing took maybe 45 minutes total.

Marcus Wright ·West Valley City, UT

Good Support

I had some questions about the title transfer and the customer support team was very patient with me. The local office was easy to find too.

Elena Rodriguez ·Kearns, UT

Payday Loan Stores in West Valley City, Utah

Borrowers in West Valley City can visit these local storefronts to access payday loans, title loans, and check cashing services in person. Whether you need an immediate cash advance or want to discuss installment loan options, these established businesses provide various financial solutions. Alternatively, you can apply online through our matching service to be connected with a lender from the comfort of your home.

Check City

3491 S Redwood Rd, West Valley City, UT 84119

Payday Loans (801) 924-0680 Mon-Fri 8:00 am - 8:00 pm, Sat 9:00 am - 5:00 pm, Sun 10:00 am - 5:00 pm

TitleMax Title Loans

3100 W 3500 S, West Valley City, UT 84119

Title Loans (801) 955-1779 Mon-Fri 9:00 am - 7:00 pm, Sat 10:00 am - 2:00 pm

Dollar Loan Center

2210 W 3500 S, West Valley City, UT 84119

Cash Advance (801) 983-9127 Mon-Fri 9:00 am - 7:00 pm, Sat 9:00 am - 2:00 pm

Money 4 You Loans

2630 W 3500 S, West Valley City, UT 84119

Payday Loans (801) 965-9095 Mon-Fri 9:00 am - 6:00 pm, Sat 9:00 am - 3:00 pm

Utah Title Loans, Inc.

3325 W 3500 S, West Valley City, UT 84119

Title Loans (801) 966-3000 Mon-Fri 10:00 am - 6:00 pm, Sat 10:00 am - 5:00 pm

American Title Loans

3514 W 3500 S, West Valley City, UT 84119

Title Loans (801) 955-0808 Mon-Fri 9:00 am - 7:00 pm, Sat 9:00 am - 5:00 pm

EZPAWN

3105 W 3500 S, West Valley City, UT 84119

Cash Advance (801) 963-1050 Mon-Fri 9:00 am - 7:00 pm, Sat 9:00 am - 6:00 pm, Sun 12:00 pm - 5:00 pm

Security Finance

3565 W 3500 S, West Valley City, UT 84119

Cash Advance (801) 957-1477 Mon-Fri 8:30 am - 5:30 pm

Smith's Money Services

4643 S 4000 W, West Valley City, UT 84120

Check Cashing (801) 968-3561 Mon-Sun 8:00 am - 9:00 pm

Walmart Money Center

3180 S 5600 W, West Valley City, UT 84120

Check Cashing (801) 250-4824 Mon-Sun 6:00 am - 11:00 pm

West Valley City Community Profile

West Valley City is the second-largest city in Utah and serves as a significant economic hub for the Salt Lake Valley, characterized by a diverse industrial base including manufacturing, logistics, and retail trade. With a young population and a median household income that trails slightly behind the state average, many families navigate high housing costs and commuting expenses. The city's economic profile, marked by a substantial portion of the workforce in blue-collar and service roles, suggests that residents may occasionally face liquidity gaps or unexpected expenses, making short-term lending options a relevant resource for financial stability in a fast-growing metropolitan area.

138,153

Population

$92,209

Median Income

9.9%

Poverty Rate

4.0%

Unemployment

Transportation to Work

Drove Alone 71.9%

Carpooled 14.4%

Public Transit 1.4%

Walked 0.8%

Work from Home 10.1%

Other 1.4%

Class of Worker

Private Wage & Salary 82.9%

Government 11.1%

Self-Employed 6%

Unpaid Family 0%

Household Income Distribution

Under $25K 9.5%

$25K - $50K 14.5%

$50K - $75K 16%

$75K - $100K 16%

Over $100K 44%

Source: U.S. Census Bureau, 2023-2024 American Community Survey; Bureau of Labor Statistics, 2025

Frequently Asked Questions

Can I keep driving my car?

Yes! Most lenders in our network allow you to keep and drive your vehicle as usual while you make your monthly payments. The lender only holds the title as collateral.

What if I have bad credit?

Absolutely. Title loans are secured by your vehicle's value, so your credit score is not the primary factor for approval. Many of our lenders specialize in working with those who have poor or no credit history.

How much can I borrow in West Valley City?

Loan amounts typically range from 25% to 50% of your vehicle's current resale value. In Utah, this generally ranges between $500 and $25,000 depending on the asset.

Is there a prepayment penalty?

Most reputable lenders in our network do not charge prepayment penalties. Paying off your loan early is a great way to save on interest costs.

Do I need a job to get a title loan?

While a steady job is helpful, lenders often accept other forms of income such as disability, social security, or self-employment earnings as proof of your ability to repay.

How fast can I get the money?

Once your vehicle is inspected and the contract is signed, many borrowers receive their funds via direct deposit by the next business day, or even sooner at local branches.

What happens if I cannot make a payment?

If you struggle with a payment, contact your lender immediately. Utah law allows for contract extensions, but repeated missed payments could eventually lead to the repossession of your vehicle.

Are there hidden fees?

Transparency is key. All fees, including origination or processing fees, must be clearly listed in the loan agreement provided by the lender before you agree to the terms.