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A title loan is a type of short term loan where the borrower can use their title as collateral or security. The lender will place a lien on your title, and for a short while, surrender a hard copy of your title for the loan amount. When the loan is repaid, the lien is removed and the title is returned to its owner. These loans are typically short-term and lenders do not normally do not check the credit of the borrower as these loans are consider the value and condition of the vehicle being secured. An easy and simple process.