Track vehicle titles as collateral, auto-calculate interest and due dates, stay compliant state by state, and remind borrowers before they default — all in PawnSmarts.
Title loan software is a specialized lending system for managing title loans — short-term loans secured by a borrower's vehicle title as collateral — that records the vehicle and title, auto-calculates interest and due dates, tracks payments, and supports state compliance. PawnSmarts handles title lending right alongside pawn and retail, so you can run the whole operation from one system instead of stitching together separate programs.
Title loans are short-term, higher-interest loans for borrowers who need quick cash and may not qualify for traditional credit. The loan amount is usually a percentage of the vehicle's value — often 25% to 50% — and the borrower must own the vehicle outright or hold significant equity. The lender holds the title until the loan is repaid; the borrower keeps and drives the vehicle in the meantime. If the loan isn't repaid, the lender can repossess and sell the vehicle to recover the amount owed.
Terms are typically short (often 30 days) and rates are high, so clear records and accurate calculations matter. Regulations vary widely by state — some cap rates and amounts, others restrict the practice — which makes a system that adapts to your jurisdiction essential.
PawnSmarts automates the parts of title lending that eat your day and create risk:
Because title-loan rules differ so much by jurisdiction, PawnSmarts ships with 48 states pre-configured and lets you set the fees, loan periods and interest rates that apply to you. OFAC checks and full documentation are built in, so you stay compliant without chasing paperwork. Pair it with your police reporting and LEADS Online workflows to keep everything in one place.
No giant up-front fee, no contract. Pick the plan that fits your desk.
| Plan | What you get | Price |
|---|---|---|
| Essential | Title & pawn loans, retail POS, inventory, customer records with ID scan, compliance checks, reports, store credit, AI help. Works offline. | $89/mo |
| Professional | Everything in Essential plus automatic SMS/email reminders, online payments, advanced analytics, drip campaigns, multi-location and staff roles with PIN lock. | $129/mo |
| One-Time Purchase | Own PawnSmarts Professional outright with a single payment — or free when you use our integrated card processing. | $2,995 |
Month to month, cancel any time, no setup fee and no exit fee. Switching from another system? We migrate your data for a one-time $395 and have you live in under 24 hours.
Title loan software manages the full lifecycle of vehicle-title loans: recording the vehicle, VIN and title as collateral, auto-calculating interest and due dates, tracking payments, and running compliance checks. Without dedicated software, lenders rely on spreadsheets or paper that make it easy to miss payments, miscalculate interest, or fall out of compliance with state regulations that cap rates and terms differently across jurisdictions.
Yes — many pawn shop systems also manage title loans, since both are collateral-based loans with interest, due dates and redemption. PawnSmarts handles title lending right inside the same system as pawn tickets and retail, recording the vehicle and title, auto-calculating interest and due dates, and tracking each title held as collateral — one login, no separate program to reconcile.
PawnSmarts records the vehicle details (VIN, make, model, year, title), links them to the borrower's profile, and auto-calculates interest, fees and due dates from your configured loan schedules. Every title held as collateral is tracked so nothing slips through the cracks, and the Professional plan sends borrowers automatic SMS and email reminders before each due date with a secure online payment link.
Yes. Title loan regulations vary widely — some states cap interest rates and loan amounts, others restrict the practice outright. PawnSmarts ships pre-configured for 48 states and lets you set the fees, loan periods and interest rates that apply in your jurisdiction. OFAC checks and complete documentation are built in to support your compliance, though meeting each state's rules remains the lender's responsibility.
Title loan software is commonly priced as a monthly subscription, often under $150 a month for small lenders. PawnSmarts handles title loans on every plan: $89/month for Essential, $129/month for Professional, or a one-time $2,995 for Professional — and free when you use its integrated card processing, with no contract.
Want to see it first? Open the live demo in your browser — it's the full product, no download and no sales call.
Open the live demo and click around. If it looks right, sign up and we'll move your data for $395.
Questions? [email protected] · 800-710-6184