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Vehicle Title Loans: Risks and Alternatives. Just exactly How automobile title loans work Car title loans offer quick cash — usually between $100 and $10,000 — in return for your vehicle’s title as security. They’re a form of secured loan, one supported by home the financial institution usually takes in the event that you don’t pay. These loans are costly, with hefty costs and yearly portion prices usually topping 260%. If you’re in a crunch for money, you probably have...